A brochure from Nongnoi’s letter · 05
Retirement
One day the salary stops. This is how the monthly income doesn’t.
Retirement isn’t about stopping work. It’s about stopping the worry that the money ends before you do.
Who this is really about
People in Thailand are living longer. The salary stops at sixty; life may run another thirty years. The question is what monthly number your savings can pay you, and for how long. An annuity answers that with figures written into a contract.
Exclusions first. Always.
- 01
The later you start, the higher the premium or the smaller the annuity. There’s no shortcut here, only starting earlier.
- 02
The pension deduction, up to ฿200,000–300,000 under Revenue Department rules, only applies if the policy qualifies. I check that before proposing anything.
- 03
Like all savings plans, surrendering early usually returns less than you paid. This is for money you truly mean to set aside.
Where we usually start
My Bum-Narn Five A90/5 (with dividends)
Pay for only 5 years; receive an annuity of 10% of the sum insured every year from age 60 to 90. Tax-deductible under Revenue Department rules.
My Bum-Narn Plus
Annuity from age 55 to 85, deductible up to ฿200,000 a year under the rules.
Underwritten by Allianz Ayudhya Assurance PCL · Please read and understand the coverage details and conditions before deciding to purchase insurance, every time.
Who it fits
People aged 35–55 who want their post-sixty income locked in early, and anyone who wants to use the full pension deduction every year.
Your number
The rough sum to plan toward
A starting number for our conversation, not a premium quote.
A brochure from Nongnoi’s letter · 05 · Retirement