Seems as thou most people think the same here. Keep it in your bank back home. Sit down. Put a budget together of how much Thai Baht you will need each month. Plus an extra 10% say. For the rainy season. With the bulk of your £200,000. Buy a property .in UK. Get your self a tenant into it. Let a letting agency take care of it for you. And then maybe draw between £750 and a grand in income each month.