What are some safe investment options in Thailand besides real estate?

Aug 8, 2023
a year ago
Uwe ****
ORIGINAL POSTER
Seeking Financial Investment Advice

Hey everyone,

I am looking into investing a few million Baht. Aside from real estate investment, what are other options in Thailand. Can someone recommend worthwhile investment schemes in banks or other reputable, safe institutions in Bangkok? I am looking at investment periods of 1 year or more. The investment should be on the safe side with less risks involved.

Thanks a lot.
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TLDR : Answer Summary
The discussion revolves around safe investment strategies in Thailand for a significant amount (a few million Baht), exploring options beyond real estate. Participants advise caution, emphasizing the need to be wary of unlicensed financial advisors. Suggested alternatives include offshore bank accounts, Thai stocks, bonds, and the importance of seeking established financial institutions, like Bangkok Bank or Kiatnakin Phatra, known for promoting wealth management. Many recommend considering investments in one's home country for better security, as well as exploring high-interest options like treasury bills. A few comments mention potential high returns from fixed-term investments or corporate bonds, but caution against the inherent risks of investing in a foreign market.
Greg ********
out of all the ideas here i like the offshore banking best. if it were possible to buy 1 yr us treasury bills in a brokerage account in your home country, that would be the another option
John-Paul ******
Why on Earth!?!?
Greg ********
@John-Paul *****
get money sabai sabai
Harry **********
are you looking to invest that to get a specific type of visa? as other countries have investor visas. if not, i recommend you invest elsewhere, there are better places to invest, E.G dubai
Dave *********
They actually walk among us. I seriously wheep for humanity.
Greg ********
@Dave ********
i wheep with you
James *********
AI
Dennis *********
If your good at stock investing possibly thai stock exchange. Depending on world events usd may eventually crash with the extended wild spending and move away from usd as the world currency and if that happens would come out ahead on that alone. Otherwise wouldn't invest there... anything else going to go pear shaped sooner or later
Ian *****
And you choose Facebook to ask. You really do need advice
Tony *******
All that money and not smart enough to know what to invest in. Must have been inherited $$$$
Bob **********
You have lost the plot if your thinking of investing in Thailand,What’s wrong with your country??
Greg ********
@Bob *********
asset bubbles
Bob **********
@Greg *******
try Singapore
Tobie *****
Phuket is the best place for such investment
Craig ********
Bitcoin
Jae *******
Just buy gold.
Оливер *********
I'd invest in a Gogo Bar. Can't possibly go wrong there!
Dougie ********
There are actually Fixed Term investment schemes in the UK that pay 10% or 12%, subject to whether you want bi-annual dividends or not. This is governed in the UK and has been running for 20 years without any issues. The minimum investment required is 25k so would probably suit your budget.

I can put you in touch with someone who can explain in more detail if you wish.

I’m not selling this type of product but I have invested myself so I can vouch for its authenticity. The Fixed Term investment period is only 2 years but you have the option to renew as long as you are happy with the returns.

If you choose the 12% rate, your money would practically double in 6 years.

Fell free to contact me directly if you have any questions or wish to be put in touch with professionals who can advise you.
Greg ********
@Dougie *******
those interest rates scream risky probably leveraged
Dougie ********
@Greg *******
I’m sure it’s not suitable for everyone but I was happy with my due diligence. Like I’ve said, it’s been working like clockwork for 20 years.

I’m sure people who invested in Credit Suisse thought there money was safe too ! 🤔
Patrick ********
Great advice, don't do it ..
Jack ****************
I would be super leery of any real estate you are not involved in from day 1 based on your own knowledge and research. I've seen derelict developments all over Thailand.
John *******
Don't risk any shonky deals just give it to me to invest for you in massage shop 🤣🤣🤣
Neil *********
Pm me I may have something for you and will be safe with an international bank
Adam ******
Blockchain Technology
Andy ******
Buy lots of gold ,going up in price all the time now
Steve *******
Gold
Nigel ***********
Us *****
This is a dangerous time, buy a US bond for 5.25% return.
Svetlana *****************
Why not invest into gold?
Kool *******
The low risk, with the best average returns are these three Thai stocks, Siam Cement, PTT Public Company Limited, and CP Group.
Ling *****
33 years of coming to Thailand here. My thoughts are is to keep your money in your home country. If you happen to be an Australian then you can get 5% interest with a UBank account with a 250k government guarantee. Why bother risking it in Thailand?
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Tim ******
@Ling ****
I asked my accountant about renting my houses out when I move to Thailand and he said any dollar gets taxed 27 percent. I’m in Australia it would be the same with any income wouldn’t it?
Ling *****
@Tim *****
an Australian citizen domiciled in Australia gets the first $18,200 tax free. Here are the tax rates.
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David *********
You can buy whatever you like on the SET , just see your bank , from there it's up to you Banks , infrastructure, REITs , whatever you like , this is NOT financial advice , information only ..

ALWAYS , however have a minimum time frame of 5 years , there are some extremely good mid cap options on the SET , but you are going to have to work out the ticket codes you prefer .

An example of a super large REIT , would be Fraser's property group , who I worked for in Australia for 11 years , there are many many options .

And some serious players investing on the SET , including the largest stakeholder of them all .

DYOR
Jo**
Street cart Marijuana/cannabis pancake franchise is untapped.
Sitthiporn *****************
Pm for details please.
Gordon *********
Not much of a business person if you have to ask on hear
Ian ********
Just get a wise account and select 10 % Intrest button 😊 you owe me 1
Todd *********
@Ian *******
can you hold THB within Wise account now?
Ian ********
@Todd ********
looks like it I just checked🙏 I only just got it myself so early days
Todd *********
@Ian *******
any indication of interest rate offered?
Ian ********
so 100k uk pound gives ya 10k a year in ya bin
Ian ********
@Todd ********
told ya you can get 10% on there
Todd *********
You did… but in looking, I’m not seeing anything supporting this. Can you screen shot what you are seeing?
อ้วน *********
@Todd ********
it's for US citizens on USD held on wise(technically held by jp Morgan) and only about 4.3%.
John *******
Noodle shop.
Andy **********
@John ******
Surely there is a gap for Swedish massage. It's all Thai massages, and Swedes like a massage as well. Remember, the shop keeps 50% of the menu price.
John *******
@Andy *********
Are there that many Swedes in Thailand to ensure a steady income?
Andy **********
@John ******
Prior to the pandemic, nearly 300,000 a year, a decent chunk of tourist change. Russians like a Swedish massage as well.
John *******
@Andy *********
Plus a happy ending?
Steve *******
You would be much safer investing your money in your home country. The laws here aren't exactly designed to protect you, neither as a foreigner nor as an investor.

Let your bank invest your money in bonds or put all of it on S&P 500 for a 6% increase each year on average.
Andy *******
A great way would be to invest outside of Thailand and have dividends or profits directed to your Thai bank account . If the bank employees don't steal the money then that is a pretty safe way to invest in Thailand ....
Mark *****
I've looked around for the same, but I feel there is not much that I would consider safe. The big banks offer very low interest rates despite high rates globally. You could open a brokerage account and put money into index funds, but better doing that with somewhere like IB or a brokerage in your home country. I do see some corporate bonds here that look promising, but I personally don't know enough about the Thai bond market. That's it from this armchair expert 🙂
Mark *****
Really good point
@Todd ********
. The income taxes here tend to be lower than most western countries. Plus, if keeping your funds in Baht will hedge against exchange rates.
Todd *********
@Mark ****
agreed, the baht has been strong this last year overall and that may well continue to be a very effective hedge. Soi do like holding some. Just not at 0.25%, so I think having a brokerage account here may be a reasonable way to go. Always looking for an edge... And if taxed here only on income within Thailand, you are allowed 150,000 income tax free. So maybe setting something up that pays you no more 150k annually might be a reasonable move.
Mark *****
@Todd ********
And I think >150K is something like only 5%. Anyway OP, I think you have your answer from us "experts" 🙂
Todd *********
@Mark ****
haha. Yup. It’s all we got.

I think ur right, even the tax rate over 150k is low here
Todd *********
@Mark ****
would likely be subject to higher tax rates in your home country if trading in a brokerage account. Depends on the country and your income though.... The persistent low interest rates here are surprising at this point. I get 7.5% in Mexico on one year deposit and a very strong peso.
Jimmy ******
Go see Kiatnakin Phatra wealth in Asoke. It's a private bank/wealth management where all the rich Thais stash their money. they have funds & bonds that guarantee 8-12% per annum. (subject to minimum investment amount as they only cater to high net worth individuals)
Damien ********
Nana Plaza off Soi 4 sukhumvit Bangkok .

Great choice of many different financial advisors !
Oliver **********
If only there were a way to capitalize upon political unrest. Because that seems to be trending, sadly
Todd *********
With Bangkok Bank, you can set up a securities/stock trading account here and trade as you wish.
Stéfan ********
@To**
We can invest as foreigners?
Todd *********
@Stéfan *******
yes, you must show up in person at your branch to set it up. I'm not sure if they had a minimum amount or not. And at this point, i remain unsure of how the taxes will work out here....
Stéfan ********
@Todd ********
thank you
Luc ************
Best info is on a page on Facebook 🤣🤣🤣🤡🤡
Graham *********
Loose change lol...you will soon be parted with it...lol..
Andy *******
I'll DM you, I have a great scheme I thought up.
Sel *****
Don’t invest into sick buffalos
Shane ********
How about Muay Thai gym?
Braulio *********
Go off shore
Uwe ****
ORIGINAL POSTER
@Braulio ********
Can you recommend an off shore bank that's offering high interest rates? Perhaps a link? Thanks a lot.
Mark ********
I will guarantee you 12 % net. I will give you my account details. 😏
Steve **********
@Mark *******
and prove Tramp won election as well.....if not inconvenient, just send cash
Darlene *********
@Steve *********
oh shame, the big man is eating you up inside 🤭🤭🤭🤭🤭🤭
Steve **********
@Darlene ********
and i'm delicious
Darlene *********
@Steve *********
Glad to see you agree🤭🤭
Mark ********
Steve **********
@Mark *******
Oh ! You're a cultists ......so sorry.
Shayne **********
@Ken ******
might be able to assist.
Nivant ******
Brilliant, you have come to a perfect place for advice, let me grab my popcorn..
Gary **********
Be very careful of who you talk to about investment advice here in thailand most of the financial advisors are unlicensed and unregulated to work here, they will promise you the earth and it's 100% safe investment stay away from them you will lose your money 💰 look at offshore bank account fixed terms some are paying 5 to 6% at the moment.
Jack ****************
@Gary *********
hell regulations be damned financial advisors EVERYWHERE are corrupt conflict of interest whores.
Gary **********
@Jack ***************
I don't understand what you mean
Jack ****************
@Gary *********
the compensation model for financial advisors is not performance based but sales based. If financial advisors were paid in accordance with their performance 99.9% of them would be out of business.
Jack ****************
They are paid for commissions for selling stocks to you. They are not paid for selling you stocks that perform well. 9 out of 10 of them will barely keep your portfolio afloat- maybe 5% growth- less than inflation- while they make substantially more just shuffling your money around to whatever puts cash in their own pocket. It should be a hanging offence. First flogging, if they don't get the point- get a rope.
Gary **********
@Jack ***************
I know if been there and lost my life's savings with them.
Uwe ****
ORIGINAL POSTER
@Gary *********
Been in Thailand for some years, so yeah, I am aware of the lack of regulations. You mentioned offshore bank account fixed terms and some are paying 5% - 6%. Can you recommend and provide a link to such a place?Thanks a lot.
Kool *******
@Uddhava ***********
are you familiar with cortyceps?
Gary **********
Gary **********
@Uddhava ***********
have a look at standard bank isle of man.
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