Is there anything on a fixed deadline worth acting on?
If you pay Thai income tax, buy ThaiESG units before 31 December 2026 — ฿300,000 of deduction on a five-year hold, and it drops to ฿100,000 on eight years in January.
Earns in the currency you spend. Removes exchange-rate risk from the part of your money that will pay Thai bills.
This is the only item on the page whose return does not depend on a market. A tax deduction is a certain, immediate, arithmetic gain equal to your marginal rate times the amount deducted — and for anyone in the upper Thai brackets that dwarfs any view expressed anywhere else here.
Ministerial Regulation No. 395, published in the Royal Gazette on 3 December 2024, applies enhanced terms to ThaiESG units bought between 1 January 2024 and 31 December 2026: up to 30% of assessable income, capped at ฿300,000, held for five years, and counted entirely separately from the ฿500,000 ceiling that RMF, provident fund, GPF and pension life insurance share between them. That separation is the reason it is worth using even if you already max out a retirement scheme.
On 1 January 2027 the terms revert to ฿100,000 and an eight-year hold. There is 157 days left. This is not a market timing call — the deadline is written into a regulation.
Three things that are NOT available, stated because they are still widely repeated: SSF expired after tax year 2024 and buys no deduction now, despite two official pages still listing it. ThaiESGX's subscription window closed on 30 June 2025, though an LTF switcher keeps a residual deduction of up to ฿50,000 a year in tax years 2569–2572. And TISA is a proposal that was never enacted.
What you are buying is still a Thai equity fund, with Thai equity risk. The deduction is the reason to do it; the fund is what you end up holding for five years.
The stance is a starting point produced by arithmetic, not by an opinion. Every reading behind it is printed below with its value and where the value came from; if you disagree with a reading, the stance it produced is worth disagreeing with too.
Up to 30% of assessable income, and — the part that matters most — counted separately from the ฿500,000 ceiling that RMF and provident fund contributions share.
From 1 January 2027 this becomes 8 years, with the ceiling cut to ฿100,000.
Ministerial Regulation No. 395 applies to units bought between 1 January 2024 and 31 December 2026. No successor has been announced.
The Super Savings Fund deduction ended after tax year 2024. Both rd.go.th/557.html and the SEC's insight-fund site still describe it as available; both are stale. Buying SSF units today buys no deduction.
The flip is named in advance on purpose. A stance that can only be explained after it changes is a story; a stance that names its own reversal beforehand can be held honestly, and can be checked later against what actually happened.
The score is the strength of the argument among the evidence that is currently available, from −100 to +100. It is not a forecast, a probability or an expected return. Anything between −30 and +30 is a genuine shrug and leaves the stance where it started.
The conviction says how much of the evidence exists yet. Most of this dashboard's composite gauges need five years of stored history before they mean anything, and the pipeline has been running for weeks. A reading that cannot be computed is shown as unavailable and counts for nothing — it is never quietly scored as neutral.
The routes are the ways this is actually reachable from Thailand. They are not equivalent. The same fund bought through a Thai broker and through an offshore account attracts different tax, different limits and, in one case, a US estate tax exposure that has nothing to do with the fund itself.
RMF and ThaiESG funds reduce this year's income tax in exchange for a holding period. The deduction is usually worth more than the fund's performance edge.
| What to ask for | What it is | Ccy | Ongoing charge | Why this one |
|---|---|---|---|---|
ThaiESG
|
Thailand ESG Fund
A Thai fund that cuts this year's income tax bill by up to ฿300,000 of deduction in exchange for holding five years.
|
THB | — |
Any ThaiESG-registered fund. Compare the ongoing charge between providers — the deduction is identical, the fees are not.
Frictions: thaiesg_2026, th_div_wht
|
RMF
|
Retirement Mutual Fund
A retirement fund deducting up to 30% of income within a ฿500,000 shared ceiling, locked until 55.
|
THB | — |
If you are also saving for retirement: up to 30% of income within the shared ฿500,000 ceiling, locked until 55.
Frictions: rmf_rules
|
Instrument details were verified against issuer and exchange pages on 2026-07-25. Tickers, ongoing charges and listing lines change; confirm before dealing. Where a charge shows as — the published figure could not be confirmed and none is invented here.
A window that closes is the one kind of item on this dashboard where doing nothing is itself the decision. Each date below is published by the issuer or the authority named, not inferred.
Ministerial Regulation No. 395 applies the enhanced terms to units purchased between 1 January 2024 and 31 December 2026 — up to 30% of assessable income capped at ฿300,000, held five years, and counted separately from the ฿500,000 ceiling shared by RMF and provident fund contributions. On 1 January 2027 it reverts to ฿100,000 and eight years, with no announced successor. For anyone paying Thai income tax at a meaningful marginal rate, the deduction is a larger and far more certain return than any view expressed anywhere else on this page. Note what is NOT available: SSF expired after tax year 2024, ThaiESGX's subscription window closed on 30 June 2025 (though an LTF switcher retains up to ฿50,000 a year of residual deduction in tax years 2569–2572), and TISA is a proposal that has not been enacted.
The frictions are the parts that cost money or attention regardless of whether the argument is right: tax, transfer limits, deadlines, structure. For most people most of the time they matter more than the market reading does.
Ministerial Regulation No. 395, published in the Royal Gazette on 3 December 2024, applies enhanced terms to ThaiESG units purchased between 1 January 2024 and 31 December 2026: a deduction of up to 30% of assessable income capped at ฿300,000, a five-year holding period, and — the part that matters most — a ceiling entirely separate from the ฿500,000 retirement ceiling that RMF and provident fund contributions share. From 1 January 2027 the terms revert to ฿100,000 and eight years. This is the single most concretely dated item in the whole file: the enhanced version of this deduction has a fixed expiry and no announced successor.
The SSF regime ran for tax years 2563 to 2567 — 2020 to 2024 — and 2567 was the last deductible year. This was confirmed negatively from the Revenue Department's own personal income tax filing instructions for tax year 2568, which no longer carry the deduction. Both rd.go.th/557.html and the SEC's own insight-fund site still list SSF as live; both are wrong for 2026. Units already held continue to run their ten-year holding period from each individual purchase date, so legacy holdings are not affected — only new purchases, which now buy no deduction at all.
A Retirement Mutual Fund deducts up to 30% of assessable income, subject to a ฿500,000 ceiling shared with provident fund, GPF, national savings fund and pension life insurance contributions together. The conditions are a holding period of at least five years from first purchase AND age 55 or over at redemption, with purchases made annually allowing at most one consecutive skipped year. The old minimum of 3% of income or ฿5,000 has been abolished. Note that rd.go.th/60059.html still shows a 15% figure and references LTF; that page was last updated in 2021 and is stale.