Factors Influencing the Investment Decisions in Financial Assets of Generation Y Employees at the Samsen Royal Irrigation Department in Bangkok

Abstract

         This research aims to study the personal factors that influence investment decisions and to examine investment behavior factors, risk acceptance, investment objectives, and the use of technology for investing, which affect the financial asset investment decisions of Generation Y employees at the Samsen Royal Irrigation Department in Bangkok. This survey research collected data using questionnaires from a sample group aged between 27 and 42 years, consisting of 395 individuals. The statistics used for data analysis included descriptive statistics, such as frequency, percentage, mean, and standard deviation, and inferential statistical tools, including one-way ANOVA (F-test) and multiple regression analysis.

        The study results showed that the majority of respondents had little knowledge prior to investing, made investment decisions independently, expected not to need their investment funds for a period of 1 year but less than 3 years, traded securities at least once every 6 months, and had a monthly investment amount ranging from 5,001 to 10,000 baht. The hypothesis testing results indicated that different investment behaviors, risk acceptance, investment objectives, and the use of technology for investing did not significantly affect the financial asset investment decisions of Generation Y employees at the statistical significance level of 0.05. However, Generation Y still faces challenges related to uncertain income and high debt. Investors also lack knowledge and experience in investing, and the market is rapidly changing and highly volatile. This study indicates that financial knowledge, investment planning knowledge, and knowledge of risk and return all affect the decision-making process when choosing investment plans. These factors are crucial for preparing for and successfully achieving future financial stability goals.