PVD, invest and add, or leave the portfolio alone?
See what each choice could be worth at retirement: stay in PVD, invest and keep adding, or invest without adding more.
Fair comparison
Same personal savings rate and no starting balance, so the choices are compared on equal footing.
PVD · add required
—
Investment · add
—
Investment · no add
—
Scenario A Stay in PVD
฿0
Employee + employer contributions, fund growth
Scenario B Invest + add
฿0
Current portfolio + your chosen monthly addition
Scenario C Invest + no add
฿0
Current portfolio compounds without new money
Employer money you give up
฿0
Future value if opting out
Return needed to beat PVD
0.0%
To match PVD, self-invest alone must earn this
Benefit of continuing to add
฿0
B minus C at retirement
Summary
The headline takeaways for your current settings.
Growth trajectory — all three paths
Monthly cash flows and compounding, sampled at each birthday.
Where the money comes from
Starting capital, new money and growth for each path.
Break-even analysis
Gross investment return needed for “investment + add” to match PVD.
Real (inflation-adjusted) comparison
All balances re-stated in today's purchasing power, so inflation does not flatter the result.
Beyond the math — qualitative differences
Numbers aren't the whole decision. These factors matter too.
| PVD (add required) | Investment + add | Investment + no add | |
|---|---|---|---|
| New money | Employee and employer percentages are added every month. | Your chosen 0–100% rate is added every month. | No additions; only the starting portfolio compounds. |
| Employer match | Received inside PVD under the employer's rules. | None, unless the employer pays an equivalent cash benefit. | None. |
| Tax treatment | Contributions may reduce taxable income; qualifying withdrawals can receive favorable treatment. | New additions normally come from after-tax income; product taxes and fees vary. | No new contribution deduction; existing holdings keep their own tax treatment. |
| Control & liquidity | Limited to fund policies and normally locked until an eligible exit. | Full investment control and generally liquid, depending on the product. | Same control and liquidity, but no savings habit is modeled. |
| Behavior | Automatic payroll deduction supports consistency. | Requires recurring execution or an automated investment plan. | Easy to maintain, but retirement capital relies only on existing money and returns. |
Year-by-year schedule
Annual totals generated from the monthly engine, with all three balances side by side.
| Age | Salary | PVD Employee | PVD Employer | PVD Balance | Investment Additions | Invest + Add | Invest + No Add | Gap (B − A) |
|---|
How this is calculated
- Thai PVD contribution limits: both employee and employer contributions are legally set between 2% and 15% of salary.
- Break-even return: solved numerically — the gross investment return (holding starting balances, additions, tax and fee settings fixed) at which Scenario B equals Scenario A.
- Employer match forfeited: shown as a future value — what those forgone employer contributions would have grown to by retirement, at the PVD fund return rate.
- Inflation view: the real-comparison chart divides each year's balances by (1 + inflation)years elapsed. The year-by-year table always shows nominal (undiscounted) values.