Create opportunities for confident, stable, and prosperous returns with Muang Thai UL Plus.

• The equity portion has been adjusted to allow for foreign investments, aiming for higher potential returns.
  
• The plan guarantees a minimum return rate on the investment value but also offers a chance for higher additional returns from investment performance. 
  

Muang Thai UL Plus  is a universal life insurance product with a long-term investment horizon. After assessing future investment trends, Muang Thai Life Assurance has adjusted the equity portion to allow for foreign investments. The equity portion will be capped at no more than 20% of the fund's net asset value, while the bond portion will remain unchanged.

According to the Company's assessment, relying solely on returns from the Thai stock market offers limited opportunities for attractive yields. This is primarily due to the Thai economy’s slowing growth trend, its structural dependence on tourism and exports—which are highly sensitive to external factors—and the absence of technology companies or high-growth businesses in the Thai stock market. Most listed companies belong to traditional sectors such as energy, finance, and real estate, which generally experience slower growth. In contrast to foreign stock markets like those in the U.S. or China, Thailand lacks global-scale companies or unicorns with exponential growth potential. Additionally, political uncertainty continues to affect investor confidence. The country's aging population structure may also impact consumption, further slowing long-term economic expansion.

Investing in foreign equities is more attractive than Thai equities due to the opportunity to access global companies with innovation and high growth potential, such as leading technology firms in the U.S. or China. It also helps diversify risks from domestic factors such as the Thai economy and political landscape. Moreover, foreign markets are larger, more liquid, and offer access to emerging industries that are either not yet present in Thailand or still in early development stages—such as artificial intelligence (AI), biotechnology (Biotech), and electric vehicles (EV). All of these factors contribute to a greater potential for long-term returns from foreign equity investments.

Customers will still receive a guaranteed minimum return rate on the investment value (4% per year during the first policy year, and 1% per year from the second policy year onwards), while having the opportunity to earn higher additional returns from investment performance.