From participants across three programmes
What people carry away from the sessions.
These accounts come from adults 40+ who attended one or more of our Bangkok programmes between April and May 2025.
Back to Home6
Years of operation in Bangkok
340+
Adults have attended at least one programme
4.7
Average post-programme rating (out of 5)
58%
Of participants attend a second programme within 18 months
What participants say
Feedback collected at the close of cohorts running April–May 2025.
Wanchai Phanomchai
Retired civil servant · Bangkok
"I attended the Considered Drawing-Down programme in April after my wife suggested I stop putting it off. I found the session on sequencing income sources particularly useful — something I had not thought through at all. The one-page framework I took home has already been revised twice."
Considered Drawing-Down · April 2025
Somying Kruaphan
Business owner · Bangkok
"The annual report workshop was not what I expected — it moved more slowly than a typical seminar, which I initially found frustrating. By session two, I understood why. You cannot rush someone who is genuinely trying to make sense of a financial statement for the first time. The reference card is still on my desk."
Reading the Annual Report · May 2025
Nattawut Laoprasert
Senior manager · Din Daeng
"I was sceptical going in — I have read financial documents at work for years. But the programme covers annual reports as an individual investor reads them, which is a different lens. The risk disclosure discussion was more useful than anything I found in online articles."
Reading the Annual Report · May 2025
Pornthip Thongkham
Schoolteacher · Lat Phrao
"The Calm Saver's Programme was genuinely calm. I have tried financial podcasts and books and they all make me feel I should be doing something urgently. This did not. The saving rhythm worksheet took me a while to complete but I found things on it that I had not articulated to myself before."
The Calm Saver's Programme · April 2025
Chamaiporn Rungsawat
Freelance consultant · Bangkok
"I appreciated that the facilitator did not try to sell us anything. She was very clear about the limits of what the session covered and where we should look for advice that falls outside the programme's scope. That honesty made me trust the rest of the content more."
The Calm Saver's Programme · May 2025
Anan Siriphat
Semi-retired pharmacist · Huai Khwang
"The drawing-down programme helped me think about something I had been avoiding. The part about family arrangements was the most relevant to my situation — I had not considered how informal obligations interact with formal pension income. The group was the right size for that kind of discussion."
Considered Drawing-Down · April 2025
Participant journeys
Three more detailed accounts of what brought people to our programmes and what changed.
Starting point
Reading statements without context
A 52-year-old account manager in Lat Krabang had accumulated shares through her company's employee shareholding scheme over eight years. She received annual reports but had never read them systematically — scanning for numbers she vaguely recognised and setting the document aside.
What she worked through
The annual report programme
She attended the Reading the Annual Report workshop in May 2025. In session one, she recognised for the first time that the chairman's letter was a curated summary — not a neutral document — and began reading the financial statements with that framing. In session two, she spent time on the notes to the accounts, which she had previously skipped entirely.
What she took away
A different reading habit
She left with the annotated reference card and described reading the next annual report she received as "a different experience." She identified two items in the risk disclosures that she wanted to follow up on separately and felt more prepared to do so.
"It sounds small, but finishing a document I used to ignore feels like something."
Starting point
Savings that had drifted
A 47-year-old owner of a small import business had been a disciplined saver in his thirties but noticed that his saving habits had become inconsistent as his income grew and his household expenses changed. He had a provident fund but had not reviewed its projections in several years.
What he worked through
The Calm Saver's Programme
He attended the April cohort of the Calm Saver's Programme. The worksheet in session three asked him to map his current saving rhythm across different accounts and purposes — a process that revealed he had four saving arrangements that were not clearly distinguished by purpose. The facilitator helped the group discuss how that ambiguity often leads to inconsistent contributions.
What he took away
Clarity about purpose
He left with a completed worksheet that he said "named things I had been keeping vague on purpose." He consolidated two of his four saving arrangements and reviewed his provident fund contribution level for the first time in four years.
"I needed someone to slow me down enough to actually look at what I was doing."
Starting point
Retirement without a plan
A 61-year-old former civil engineer in Ratchada had retired from full-time work the previous year but had not worked through how he would draw on his accumulated savings — a government pension, a provident fund lump sum, and some personal savings — over the coming decade.
What he worked through
Considered Drawing-Down
He joined the April cohort of the Considered Drawing-Down programme. Session two's focus on the Government Pension Fund rules helped him clarify the timing and amount of his pension income. Session three's discussion of family arrangements allowed him to address — with the group's help — how an informal arrangement with his youngest daughter affected his personal drawing-down thinking.
What he took away
A one-page framework to return to
He left with a completed personal drawing-down framework — one page, handwritten during session four with the facilitator's guidance. He described it as "the first document I have produced about my own financial situation that I actually want to look at again."
"It is not a plan in the technical sense. But it is a document that is mine."
Reach us directly
For enquiries about upcoming cohorts or questions about our programmes.
Phone
+66 2 593 8417Address
39 Ratchadaphisek Rd, Din Daeng, Bangkok 10400
Office Hours
Mon–Fri 10:00–18:00
Sat 09:00–13:00
Interested in joining the next cohort?
We are happy to answer questions before you commit. Upcoming cohort dates are available on request.
Send an Enquiry