overwhelmingly favor low-risk, highly liquid instruments as 6o% of savings are held in cash, savings / current accounts and / or fixed deposits. This conservative allocation underscores the prevailing risk aversion and preference for security and liquidity among Thai households. Thus, while there is opportunity to increase allocation to investments, the innate financial conservatism of Thai people maybe challenging to How is your savings portfolio divided? N=982, Conditional Mean % allocation %, Ownership rate x Conditional Mean allocation 14% is allocated to stocks, bonds, digital assets, mutual funds and derivatives