Positions · computed 2026-09-24

What to do about it

11 positions, each one a question with a plain-language call attached, produced by arithmetic on the readings above and shown with the arithmetic still attached. Grouped by what they ask of you.

Invest now Stage purchases rather than investing everything at once

1 ThaiESG — the last year of the enhanced deduction Is there anything on a fixed deadline worth acting on? If you are eligible and can accept five years of Thai-market risk, calculate the ThaiESG allowance before 31 December 2026: up to ฿300,000, subject to the 30% income cap. Own Thailand — high data coverage 98d left 2 The government savings bond Where could baht go that you will not need for years and do not want exposed to shares? For baht you can hold to maturity, compare the ten-year's fixed 2.80% coupon before the wallet sale closes. Do not use it as emergency cash. Long bonds +100 medium data coverage -24d left 3 Where idle cash sits Baht or dollars for money you might need within a few years? Split it. Money you will spend in Thailand within about five years stays in baht; genuinely long-horizon idle cash earns materially more in dollars, and you are paid to wait. Dry powder +33 high data coverage 4 Own the world Where should money go that will not be needed for ten years or more? Keep adding to one broad global fund on a fixed schedule. This is the anchor holding; everything else on this page is a variation around it. Own the world +20 high data coverage

Choose another structure A structural issue makes an alternative wrapper worth checking

5 U.S.-listed funds — check the Irish structure Does it matter which exchange your world tracker is listed on? If aggregate U.S.-situated assets could exceed US$60,000, compare an Irish-domiciled fund before choosing a U.S.-domiciled equivalent. Own the world — high data coverage

Stay invested — don't add Keep an existing exposure, but commit no new money

6 Gold as insurance How much gold, in what form, and bought where? Keep a standing allocation and add to it patiently rather than urgently. Gold's job here is insurance against things the rest of the page cannot price. Insurance -10 high data coverage 7 Own Asia beyond Thailand Is now a moment to add China, India or Vietnam on top of a global fund? Hold a modest position and add slowly. The currency backdrop helps; the growth signal that would confirm it is not readable at the moment, so this deserves patience rather than conviction. Own Asia 0 medium data coverage 8 Own America, but no more than the world already gives you Should the US get an extra helping beyond its weight in a global fund? Hold what a global fund already gives you. A separate S&P 500 or Nasdaq holding on top of that is a concentration decision, and the cost of money argues against making it now. Own America 0 high data coverage

Wait The number that must change before investing is named below

9 High-dividend Thai funds Is a high-yield Thai fund a better way to own Thailand than the plain index? Do not add here; if it has grown into a large position, prefer the plain index fund. The costs are certain and the yield advantage is not. Own Thailand -67 high data coverage 10 Own Thailand How much of your money should be in the market of the country you live in? Hold enough Thai equity to match the baht bills you will actually pay, and no more. The readings do not support adding here right now. Own Thailand -50 high data coverage 11 Inflation protection Is it worth paying for protection against rising prices right now? Monitor rather than buy. Protection is priced at roughly what history suggests, and the version available to you protects against American inflation, not Thai inflation. Inflation-linked bonds 0 medium data coverage