Three Programs,
Each Built With Purpose
Whether you want to sharpen your awareness of financial fraud, understand pension products more clearly, or build a complete picture of your financial situation â there is a Baan Panya program designed for that specific need.
Back to HomeHow All Our Programs Are Structured
Every Baan Panya program is built around the same core principles: clear language, locally relevant examples, written materials to take home, and a pace that allows adults to absorb and ask questions at each stage. No program assumes financial background knowledge, and no program steers participants toward any particular product or provider.
Plain Language Throughout
Financial terms are explained when introduced. Jargon is avoided unless the participant needs to understand it to read a product document.
Thai Context at Every Step
Product examples, fraud cases, and regulatory references are all drawn from the Thai market â not adapted from foreign curricula.
Financial Scam Protection
Adults over 40 in Thailand are among the most frequently targeted demographic for financial fraud â by phone, online, and through investment pitches that are carefully constructed to appear credible. This program teaches participants to recognise the patterns, question the approaches, and protect what they have built.
- Understanding how phone-based financial fraud operates â including common scripts and pressure tactics
- Recognising online fraud â fake investment platforms, impersonation schemes, and suspicious documentation
- Evaluating investment opportunities â what to look for, what to question, and when to walk away
- Real Thai case studies from recent years â what happened, how it was constructed, and what could have flagged it
- A personal fraud-awareness checklist to keep and use going forward
How the Day Is Structured
Morning Session A
How fraud targeting older adults is constructed â psychology, timing, and common entry points
Morning Session B
Phone and online fraud patterns â live examples reviewed and discussed as a group
Afternoon Session
Investment fraud in Thailand â how to evaluate an offer, what questions cut through credible-sounding pitches
Closing Workshop
Building your personal checklist, Q&A, and take-home materials including case study summaries
Annuity & Pension Product Review
Annuity products and pension insurance policies in Thailand are widely sold but frequently misunderstood â by buyers and, sometimes, by the agents selling them. This three-session program helps participants understand what they are being offered, how to compare products meaningfully, and what questions to ask before committing to anything.
- Annuity fundamentals â how they work, what types exist, and how payout structures differ
- Pension insurance products in Thailand â coverage types, conditions, and common exclusions
- The product evaluation framework â a structured tool for comparing any annuity or pension product
- Suitability criteria â understanding which product characteristics align with different personal situations
- A written summary of the evaluation framework to take and use independently
Session Breakdown
Understanding Annuities
Core mechanics of annuity products â deferred vs. immediate, fixed vs. variable payouts, and how Thai providers structure their offerings. Real policy documents reviewed as a group.
Pension Insurance in Thailand
Overview of pension insurance products available in the Thai market â benefit structures, eligibility conditions, and the distinctions that matter when choosing between them.
The Evaluation Framework
Working through the product evaluation framework together â applying it to sample products, practising comparison analysis, and leaving with a written tool you can use independently.
Complete Life-Stage Financial Architecture
The most comprehensive program Baan Panya offers. Over eight sessions across two months, participants build a complete, structured understanding of their financial situation â across the four phases that matter in later life: protection, accumulation, preservation, and distribution. The program concludes with a personalised financial roadmap document.
- Protection phase â understanding what needs to be covered and how to assess current coverage
- Accumulation phase â clarifying what assets are being built and whether the mix is appropriate to life stage
- Preservation phase â understanding how to protect existing assets from erosion, fraud, and poor decisions
- Distribution phase â thinking through how assets will be used, passed on, or structured in later life
- Personalised financial roadmap document â a written overview of your situation and considerations across all four phases
The Four Phases Covered
Protection
Sessions 1â2. Insurance coverage review, gap identification, and understanding what adequate protection looks like at your life stage.
Accumulation
Sessions 3â4. Understanding current asset base, diversification concepts, and what a balanced position for someone at your stage could look like.
Preservation
Sessions 5â6. Protecting what has been built â including fraud awareness, poor-decision traps, and estate planning basics in the Thai context.
Distribution
Sessions 7â8. How assets transition in later life â pension drawdowns, annuity decisions, and the roadmap document bringing everything together.
Which Program Fits Where You Are?
Each program serves a different starting point. Use this overview to find the one that aligns with what you need right now.
| Feature | Scam Protection | Annuity & Pension | Life-Stage Architecture |
|---|---|---|---|
| Duration | 1 day | 3 sessions / 2 wks | 8 sessions / 2 mo |
| Investment (āļŋ) | āļŋ2,800 | āļŋ7,700 | āļŋ14,500 |
| Fraud awareness content | âââ | â | ââ |
| Pension & annuity content | â | âââ | ââ |
| Personalised roadmap document | â | â | |
| Estate & distribution planning | â | â | |
| Best for | Immediate awareness | Product understanding | Complete picture |
Standards Shared Across All Programs
No Product Sales
No programme leads to a product pitch. Education only â always.
Participant Privacy
No financial data collected. Personal details treated with full confidentiality.
Updated Content
All program content reviewed twice yearly against current Thai products and regulations.
Open Q&A
Questions are welcomed at any point in any session â not saved for a slot at the end.
Not sure which program is the right starting point?
That is a perfectly reasonable place to be. Reach out and we will have a straightforward conversation about where you are and which program makes sense for you â without any pressure to decide on the spot.