The TISA initiative is designed as a key mechanism to shift financial behavior among Thai people from predominantly savings-oriented practices toward goal-based long-term investment. Under the framework, investors will receive advice or portfolio management services from professionals under the SEC’s supervision to construct investment portfolios aligned with their financial goals, investment horizons, and risk profiles. The single-account structure of TISA will enable individuals to have a clearer overview of their portfolios and to plan their finances more systematically and efficiently.
TISA will serve as a key tool to strengthen savings and investment discipline by encouraging the regular accumulation of savings and investments in preparation for retirement. In addition, to ensure that TISA fully benefits all Thai citizens, the government is considering introducing an additional investment allowance, separate from the existing personal income tax-deductible retirement investment limit. This allowance would allow individuals to receive full returns in the form of dividends or interest. The measure aims to encourage early savings and investment among young individuals and also allow parents to undertake investment planning for their children. Although initial investment amounts may be modest, starting early, investing regularly, and receiving appropriate portfolio allocation advice can help individuals build wealth more effectively for long-term financial security.
From a macroeconomic perspective, TISA is expected to enhance the efficiency of domestic capital mobilization or investment by converting household savings into long-term investments that support businesses and the real economy. It will also promote investments in companies that demonstrate commitment to sustainability, such as those participating in the Corporate Value Up (CVUP) or JUMP+ programs, which emphasize good corporate governance and clearly defined business development plans that investors can monitor. Furthermore, TISA will support investments in infrastructure projects prioritized by the government to enhance the country’s competitiveness.
At the same time, as a long-term investment platform, TISA will encourage financial service providers to develop products, services, financial planning tools, and advisory systems that better meet investors’ needs, in alignment with their financial goals, investment horizons, and risk tolerance. This will enhance the likelihood of achieving long-term financial objectives in a systematic manner and reduce short-term or trend-driven investment behavior. Competition among market participants will focus on the suitability of advice and the quality of services, leading to improved service standards at reasonable costs and fostering a more investor-friendly investment ecosystem.
Mrs. Pornanong Budsaratragoon, Secretary-General of the SEC, stated: “The TISA initiative represents an important step in transforming the country’s savings and investment landscape—from a system characterized by multiple products and conditions to a more streamlined, transparent, and better-integrated structure under a single account that can serve all segments of the population across all life stages. TISA will enable Thai people to manage their savings and investments with greater flexibility, allowing them to adjust their portfolios in line with their financial goals, investment horizons, and life circumstances, with advice from qualified professionals under the SEC’s supervision.
The SEC believes that TISA will enhance the overall quality of savings and investment by promoting goal-based and systematically managed investment practices, which can be further developed into long-term financial security at both individual and household levels. This will contribute to the financial well-being of the public and strengthen the overall foundation of the country’s economy.”
The SEC has been closely coordinating with relevant agencies and is currently developing detailed policy proposals and related conditions for submission to the Ministry of Finance. All relevant stakeholders in the capital market stand ready to cooperate in advancing the TISA initiative to support its effective implementation and maximize benefits for the public at large.