Our Programmes
Three structured paths
to financial understanding
Each programme addresses a distinct aspect of financial life for adults in Thailand at 40 and beyond. They stand independently — attend one, or all three.
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Our methodology
Every Ruam Wealth programme begins with the same premise: that adults at 40 and above bring substantial existing knowledge and experience to any learning situation. The facilitator's role is not to deliver a monologue but to create conditions in which that existing knowledge can be examined, extended, and made more useful.
Sessions are structured around materials rather than slides. Participants receive printed documents — return charts, bank conversation preparation cards, retirement planning templates — and the facilitator works through those materials alongside them. This reflects our belief that financial understanding should be transferable: when the session ends, the participant has something tangible they can take back to their household and continue using.
All three programmes are delivered at our Chatuchak premises in Bangkok, in small groups of no more than ten. This is a permanent commitment, not a current capacity. The facilitator is available for questions throughout each session and for a short period afterwards. Post-programme advisory services are not offered, but questions about session content are always welcome.
≤10 per cohort
Every session, without exception
Printed materials
Included with every programme
No products sold
Structural, not just a promise
Programme 1 of 3
Reading Long-Term Returns
A four-session programme on the patient reading of long-term return data from Thai, regional, and global markets. The facilitator draws on multi-decade historical sources and explains how to read return charts with care — what they show, what they omit, and what considerations households at 40+ might draw from them. The aim is fluency in reading rather than action.
What you take away
- Ability to read a return chart without commercial interpretation
- Understanding of what historical SET data does and does not suggest
- A printed reference card with recommended primary sources
- Confidence to question return claims made by product sellers
Programme structure
- 1Thai market history — reading the SET's multi-decade return data
- 2Regional context — how Thai returns compare to neighbouring markets over time
- 3What the charts omit — volatility, inflation adjustment, sequence-of-returns considerations
- 4Drawing personal conclusions — what adults at 40+ might reasonably take from this reading
Programme 2 of 3
The Conversation with the Bank
A one-day workshop preparing participants for considered conversations with bank relationship managers in Thailand. The session walks through the questions worth asking, the documents worth bringing, the words that often signal a sales-led conversation versus an advisory one, and the patient practice of declining a product recommendation when it does not suit one's situation.
What you take away
- A printed A5 preparation card to bring to actual bank meetings
- Phrases to use when a conversation shifts from advisory to sales-led
- A list of questions organised by asset type
- Practical confidence to decline a product recommendation calmly
Workshop structure
- 1Morning: Understanding the Thai bank relationship model — what your RM is there to do
- 2Mid-morning: The questions worth asking — organised by product category
- 3Afternoon: Recognising sales-led language — signals that the conversation has shifted
- 4Late afternoon: Practising the polite decline — language and posture for saying no clearly
Programme 3 of 3
The Year-by-Year Retirement Conversation
A four-month programme of monthly sessions in which participants build a year-by-year picture of their anticipated retirement decade. The facilitator provides a printed template adapted to the Thai context — including Social Security, provident fund, and household budget considerations — and works through each year with each participant individually. The aim is a clear personal document the participant keeps and updates over time.
What you take away
- A personalised year-by-year retirement template, printed and yours to keep
- Clarity on your Social Security entitlement and projected timeline
- A structured view of provident fund drawdown options
- A document you can update as your circumstances change over the years
Monthly session structure
- 1Month 1: The template and the first five years — Social Security timing, provident fund overview
- 2Month 2: The middle years — housing costs, household budget, health considerations in the Thai context
- 3Month 3: The later years — drawdown sequencing, what questions to raise with a bank
- 4Month 4: Review and completion — the finished personal document, what to update and when
Choosing a Programme
Which programme might suit your situation?
If you are unsure, write to us with a brief note about where you are in your financial thinking. We will suggest which programme, if any, seems most appropriate.
| You want to… | Returns | Bank Conv. | Retirement |
|---|---|---|---|
| Understand how Thai market return data works | |||
| Prepare for your next bank meeting | |||
| Map your retirement decade year by year | |||
| Understand the Thai Social Security timeline | |||
| Build confidence to decline a product recommendation | |||
| Build a comprehensive financial picture for the years ahead |
Shared Standards
Standards that apply across all programmes
No product licensing
Ruam Wealth holds no securities, insurance, or investment advisory licence. This is structural — not a temporary policy.
Participant data protection
Contact and financial details shared during sessions are held only for programme administration and are never shared with third parties.
Regularly updated materials
Printed content is reviewed before each cohort. Changes to Thai regulations appear in the current cycle's materials.
Post-session content questions
Participants are welcome to write with questions about session material after the programme concludes. Not advisory — clarifying.
Clear withdrawal terms
Full refund available up to seven days before the first session. After that, a transfer to the next available cohort where places allow.
Feedback-driven improvement
Every programme ends with a written feedback form. Results are reviewed by the lead facilitator and inform the next cohort's preparation.
Programme Fees
Transparent pricing in Thai Baht
All fees are inclusive of printed materials. No add-ons, no post-programme products to purchase.
Reading Long-Term Returns
5,400 THB
Four sessions
- SET historical return data sessions
- Printed reference card
- Source recommendations
The Conversation with the Bank
8,200 THB
One full workshop day
- Full-day workshop
- Printed A5 preparation card
- Decline language practice
Year-by-Year Retirement
11,400 THB
Four monthly sessions
- Personal retirement template
- Thai Social Security mapping
- Provident fund overview
Not sure where to start?
Write to us — we will suggest the right place to begin
A brief note about your situation is enough. We will respond within two working days with a considered suggestion.
Send an Enquiry