What Participants Say
What Actually Happens
When You Attend
The clearest picture of a Ratana Group programme comes from the people who have attended one. Below is a selection of feedback, described in their own terms.
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Programme participants
96%
Rated content clarity as high
4.7 / 5
Average participant rating
7 yrs
Delivering programmes in Bangkok
Participant Feedback
What Participants Have Said
Supawit Kanchanarak
Senior Manager, Bangkok · Provident Fund Programme
"I have had a provident fund for eighteen years and have never really understood what the factsheet was telling me. By the second session, I could read mine without having to look up every second term. That is a practical difference — not just a feeling of having learned something."
April 2025
Nattaya Wongprasert
Independent Consultant, Bangkok · Estate Documents Workshop
"My husband is Australian and we hold property in both countries. Most general estate planning guidance assumes a straightforward local situation. The morning session here actually addressed our circumstances directly. The afternoon section on how to raise these topics with family was something I had not expected to be as useful as it was."
March 2025
Pichet Charoenwong
Engineer, Samut Prakan · Property Income Programme
"The property income programme was the first session I have attended anywhere that was honest about when it stops making sense to keep a rental property. Every other event I have been to has been, in some form, about buying more property. This one was not. That was what I needed."
April 2025
Malinee Thongchai
Finance Director, Bangkok · Provident Fund Programme
"I work in finance and still found this useful. The focus on my own fund's specific documents rather than a general walkthrough was what made it worthwhile. I left with a clear view of one change I wanted to make to my allocation — and the understanding of why I was making it."
February 2025
James Strachan
British Expatriate, Bangkok · Estate Documents Workshop
"I had avoided thinking about estate planning for years simply because I did not know where to start with two countries involved. This day gave me a structure for understanding what I actually needed to do — and a list of the right professionals to speak to for the parts that go beyond what a session like this covers. That referral clarity was worth the fee on its own."
March 2025
Rattana Phoomchan
Teacher, Nonthaburi · Property Income Programme
"The tax section alone was worth attending. I had been guessing at my reporting obligations for two years. Having the structure explained clearly, with reference to the actual rules rather than general advice I had read online, made a real difference to how I am managing the property going forward."
April 2025
Programme Journeys
Three Situations, Three Outcomes
The Starting Point
Provident Fund — Allocation Never Reviewed
A 52-year-old HR manager in Bangkok had been contributing to her provident fund for nineteen years. She had never changed her initial allocation choice because she had never understood what the options actually meant. Each annual statement arrived and went unread into a folder.
The Programme
Provident Fund Literacy — 3 Sessions
She attended the three-session programme, bringing her most recent statement each time. By session two, she could identify the key figures and what they represented. In session three, the facilitator read through her specific allocation with her and explained what the numbers showed relative to her years until retirement.
What Changed
Informed Decision, Not a Prompted One
She made a change to her allocation the following month — her first in nineteen years. The decision was hers, based on an understanding she had developed during the sessions. No recommendation was made; the change came from her own reading of the situation.
The Starting Point
Estate Planning — Mixed Nationality, No Documents
A 48-year-old couple — one Thai national, one British — had discussed estate planning several times over the years but had never acted on it. The cross-border property element felt too complicated to address without a clear starting point.
The Programme
Estate Documents Workshop — One Day
Both attended the one-day workshop. The morning gave them a clear picture of the document types they needed and the specific considerations for their household structure. The afternoon helped them understand how to have the conversations with family they had been putting off.
What Changed
Documents Drafted Within Six Weeks
Using the template booklet from the workshop and referrals to a Thai solicitor and an English solicitor — both suggested by the facilitator — they had drafted wills in both jurisdictions within six weeks of attending. The family conversation happened the following month.
The Starting Point
Property Income — Time Cost Not Accounted For
A 57-year-old retired engineer owned a condominium in Pattaya that he rented out. The yield looked reasonable on paper, but managing it had become a significant drain on his time and energy. He was considering purchasing a second property to increase income.
The Programme
Property Income Programme — 2 Sessions
He attended both sessions, bringing his rental records and current tax assessments. The programme helped him calculate a more complete picture of his actual return, including the hours he spent on the property and the opportunity cost of those hours. The second session covered what divestment would involve.
What Changed
Clearer Decision, Different Direction
He decided against the second property and began conversations with an agent about selling the first. His comment in the post-programme feedback: "I came in thinking about buying. I left with a much clearer understanding of what I already had — and what it was actually costing me."
Reach Us
Contact Ratana Group
Phone
+66 86 374 1928Location
521 Sathon Tai RoadSathon, Bangkok 10120
Office Hours
Mon–Fri: 9:00–17:30Sat: 9:00–13:00
Credentials
Professional Standing
Thailand Financial Literacy Forum
Recognised contributor to the 2023 and 2024 annual forums on adult financial education in Thailand.
SEC Alignment Review
Programme content reviewed for alignment with Thailand SEC guidelines distinguishing financial education from regulated advisory services.
Employer Partnerships
Active arrangements with Bangkok-based employers who sponsor employee attendance at Ratana Group programmes as part of pre-retirement support.
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