@Greg **********
The problem with the lump sum is the considerable loss of interest if that money were invested in a much higher rate fund or account. My Australian Super Fund earns around 11.5% tax free per annum. So leaving that 800k in the fund nets me 92,000 baht per annum. I have a government pension which pays monthly in excess of 65k, so it's easier to just transfer the 65k (we need money to live on anyway) and keep my 800k safely in Australia. There's no way I'd commit 800k for the rest of my life to a Thai bank account paying 1% (taxed), and still need to bring in money to live in. For me, it's a no-brainer