Good luck Sheridan , you will be fine mate , hang in there .

It's not that difficult ..

But a couple of tips , always give them more than they ask for , what they want to know ..

1. The relationship is real ( if you are needed as a sponsor , which is the common situation )

2 ..That she has sound reason to return

So for example over 20 years , I've had 5 seperate applications ( multiple) approved , once the first one is granted you have history it's easy , so long as it's the same applicant .

So , you financial capacity to support ( assuming required ) or your gfs wealth , proof of relationship , where is she going to be staying ?

Why is she 100 % returning to Thailand ? ( Job , assets , family etc )

Put you file together , lodge same , go for pictures , and wait ..Now if you are declined on first application , immediately reapply , with a little more , make sure all your documents are certified , translated ..and away you go .

Remember first new applicant is toughest request so please don't get disheartening feelings , you will get it though , they want to see commitment .

NO , because what you do get is hit by the yearly fee anyhow .

@George ********

okey mate ..

Good for you . I don't trust fund managers either , that's why I have done my own stuff for a very long time .

I don't manage the funds of others , just mine ..

So I take the gain , not am I offering otherwise .

But for me it's an interest and a passion .

But for you , you could just buy a market tracking ETF you don't need to pay anyone .

Never let others manage your money . All the best , back to topic , don't worry about this stuff , it's my interest not yours .

Wishing you well .

@George ********

Speak to you privately and depends on country of origin mate , all the best ..

I expect much better than 11.5

But each to their own . I don't give advice , but have self managed for 25 years .

I'm an investor Steve , but each to their own , 11.5 % or far better is easily achievable in this current marketplace .

Thanks .

And a dickhead puts a laughing emoji ..

Obviously not a keen investor , while you try at help people , calculate 11.5 % of 800k you stupid fool ..that's " actual cost " ..

Depends how you calculate absolute cost ..

Because you need 800k in a Thai bank , in this case it's 1900 b .

Easiest by a mile is an agent .

Sorry ETF typo

Certainly NOT gold , and certainly NOT Crypto .

Invest in the USA , Just buy one index EFT , and as you go along reinvest the distributions ..