Thailand's Stock Exchange (SET) recommends dividend-paying stocks as a retirement income strategy, with SET HD index yielding 4–5% and some bank stocks yielding 6–7%. The SET CEO advises pre-retirees to set cash-flow targets first, then allocate dividend stocks alongside bonds, treating them as long-term income streams rather than trading vehicles. Rising US 10-year Treasury yields (~5%) create competitive pressure but strong-fundamentals Thai companies with consistent payouts remain attractive for diversified retirement portfolios.