The Thailand Securities and Exchange Commission has introduced the concept of the Thailand Individual Savings Account (TISA) as a long-term savings and investment mechanism for all Thai citizens. The initiative is built around a simple, flexible single-account structure with access to a broad range of investment options, and is intended to shift households from savings-focused behavior toward goal-based long-term investing with clearer visibility over their overall portfolios. Investors would receive advice or portfolio management services from professionals under the SEC’s supervision, with portfolios aligned to financial goals, investment horizons, and risk profiles. The framework is also intended to strengthen regular saving and investment for retirement. The government is considering an additional investment allowance separate from the existing personal income tax-deductible retirement investment limit, which would allow individuals to receive full returns in the form of dividends or interest. At a market level, TISA is intended to channel household savings into long-term investment supporting businesses, companies linked to sustainability initiatives such as Corporate Value Up and JUMP+, and government-prioritized infrastructure projects. It is also expected to push financial service providers to develop more tailored products, planning tools, and advisory systems. The SEC is coordinating with relevant agencies and is developing detailed policy proposals and related conditions for submission to the Ministry of Finance.

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