Monthly Investment Calculator — Thailand
See how a monthly investment grows over time at Thailand's historical returns. No signup, no account needed.
Enter a monthly amount, a return rate between 0% and 100%, and a duration above zero (up to 50 years) to see results.
Where to invest in Thailand
SET Index long-term ≈ 6–9% THB. Major AMCs: KAsset, SCBAM, BBLAM, UOBAM, TISCO. Retirement (RMF) and long-term (SSF) funds are tax-deductible.
Returns are long-term historical averages, not guarantees - markets fall as well as rise. Invest for the long term and diversify.
The power of compounding
Investing ฿6,000 per month for 15 years at 6% p.a.:
- Future value: ฿1,753,637
- Total invested: ฿1,080,000
- Estimated gains: ฿673,637
That is roughly 1.6× your money - most of it from compounding. Scale the ฿6,000 to your own monthly amount, and remember that starting earlier matters more than investing more.
How to start - and stay - invested in Thailand
- Automate a fixed monthly amount so you invest through good months and bad.
- Start small; you can raise the amount as your income grows.
- Favour low-cost, diversified funds over picking individual stocks.
- Stay invested through market dips - time in the market beats timing the market.
A real-data rate check: long-term returns in Thailand (2026)
The Stock Exchange of Thailand (SET) Index closed 2025 at 1,259.67 points — a 10.0% decline for the year — according to the SET's official full-year market report published 8 January 2026. That capped a genuinely weak decade for Thai equities: looking at the SET Index's own yearly closes from 2014 through 2024, the price-only return (excluding dividends) averaged only around 0.7% per year, with several sharp down years (-14.00% in 2015, -15.15% in 2023) offsetting the gains.
The one bright spot is dividends: SET-listed companies paid a dividend yield of 4.04% at year-end 2025, well above the broader Asian market average of 2.85%. Adding that yield to the roughly flat price return puts realistic total returns for a diversified Thai equity investment over the past decade closer to 4–5% per year. Because of this, we now use 6% per year, a more honest midpoint between the weak 2014–2025 stretch and Thailand's stronger dividend-supported returns in earlier decades.
A more realistic example: investing ฿5,000 per month for 15 years at a 6% assumed annual return grows to approximately ฿1,461,364 — on total contributions of ฿900,000, that's about ฿561,364 in investment growth. Over a longer 20-year horizon, the same ฿5,000/month at 6% grows to roughly ฿2,321,755 on ฿1,200,000 contributed.
Frequently Asked Questions
How does a monthly investment work in Thailand?
You invest a fixed amount each month into funds or an index. You buy more units when prices are low and fewer when high (cost averaging), and returns compound over time.
What return can I expect in Thailand?
Long-term historical equity returns are around 6% per year here, though any single year can be sharply up or down. SET Index long-term ≈ 6–9% THB. Major AMCs: KAsset, SCBAM, BBLAM, UOBAM, TISCO. Retirement (RMF) and long-term (SSF) funds are tax-deductible.
How much do I need to start investing in Thailand?
Most platforms let you start small and increase later. Setting up an automatic monthly investment builds discipline and smooths out market timing.
Should I invest a lump sum or monthly in Thailand?
Investing monthly spreads your entry across market ups and downs (cost averaging) and is easier to budget. A lump sum can do better in a steadily rising market but carries more timing risk.
Is investing better than a fixed deposit in Thailand?
Investing targets higher long-term growth but carries market risk; fixed deposits are safer but usually return less. Many people hold both, matched to their time horizon.
Is 7% a realistic assumed return for SIP investing in Thailand?
Not based on recent history. The SET Index returned only about 0.7% per year on a price basis from 2014 to 2024, and fell another 10.0% in 2025. Adding Thailand's healthy ~4% dividend yield gets you to roughly 4-6% total return in recent years, which is why this calculator uses 6% instead of 7%.
Why has the SET Index performed so weakly over the past decade?
The SET Index has seen several sharp downturns in the past 10 years, including declines of 14.00% (2015), 15.15% (2023), and 10.0% (2025), which have offset gains in stronger years like 2016 (+19.79%) and 2021 (+14.37%).
Does the SET Index's dividend yield make up for weak price growth?
Partly. SET-listed companies paid a 4.04% dividend yield at year-end 2025, notably higher than the broader Asian market average of 2.85%. Reinvested dividends meaningfully improve total returns compared to price movement alone.
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Sources
Return assumptions and rates are compiled from each country's central-bank publications, recognized market-index data and the typical offerings of major providers, reviewed for 2026 and subject to change. Returns are long-term historical averages, not guarantees. See our methodology and editorial policy for how we source and update this data.
Additional sources for this page
The Stock Exchange of Thailand (SET) full-year 2025 market report (8 January 2026): SET Market Report for December and Full-Year 2025. SET Index yearly historical returns 2014-2024, 1stock1.com: SET Index (Thailand) Yearly Stock Returns. See our methodology and editorial policy for how we source and update this data.