Mid-Year Wealth Check

Mid-Year Wealth Check
Check up on your MTL unit-linked portfolio mid-year.
Boost your confidence with MTL Portfolio Management services.

If the article is too long, you can choose a topic to read:

• Halfway through the year… How healthy is your unit-linked portfolio?
  
• What should you do with your portfolio?
• Portfolio performance based on risk levels
  

▶️Halfway through the year… How healthy is your unit-linked portfolio?

Since the beginning of 2026, the world has faced several waves of market volatility. Global investment markets have been heavily pressured by multiple factors, including geopolitical tensions between the US, Israel, and Iran, soaring oil prices, and inflation anxieties. However, despite being bombarded by various negative headwinds, several stock markets managed to buck the global trend and post positive gains. For instance, if you had invested in the US stock market (S&P 500) since the beginning of the year, you might have seen positive returns as high as 7.91%, while the European stock market (STOXX 50) provided a return of +4.33%. The most outstanding performer was the Korean stock market (KOSPI), which surged by over 84.14%, heavily driven by the booming AI technology trend and robust corporate earnings growth. On the flip side, if you chose to invest in the Vietnamese stock market (VN30), you might have faced a loss of -3.63%, or if you selected the Indian stock market (SENSEX), you could have suffered a heavy decline of -13.26% (Reference YTD Return as of 10 June 2026 at 11:00 AM).

These market situations might leave Muang Thai Unit-Linked customers feeling anxious about whether their portfolio investments can still generate returns according to their plans. This mid-year milestone serves as the perfect opportunity to review the status of our unit-linked investment portfolios to see if our investment weights and selected assets still align with our risk tolerance. Leaving a portfolio in the negative over the long run could cause its cash value to decrease until it is no longer sufficient to cover various policy charges, which could ultimately impact long-term life insurance coverage.

▶️What should you do with your portfolio?

If your investment portfolio is currently in the positive and your asset allocation still aligns with your financial goals, you may consider holding your positions according to your original plan. However, for those whose portfolios are still in the negative or heavily concentrated in specific assets, rebalancing should be considered. This includes underweighting assets with slower recovery prospects (such as India, Vietnam, and China) and diversifying across multiple asset classes (e.g., adding gold), while adjusting the allocation between fixed income and equities to match your risk tolerance. If you are unsure how to rebalance, you can start with a simple rule of thumb: the ideal equity (stock) allocation is roughly 100 minus your age. For example, if you are 40 years old, you should hold about 60% in equities (though this should also be weighed against your personal risk tolerance and objectives).

Furthermore, during periods of high market volatility, investing in a single asset or a single fund will only intensify the fluctuation of your returns. While it offers the potential for high gains, it also carries an equally high risk of heavy losses. Wouldn't it be better to opt for a "managed portfolio" approach? With MTL Portfolio Management, you get a team of experts closely monitoring and managing your investments, diversifying across various global assets to eliminate concentration risk. We offer 5 portfolio tiers tailored to different risk appetite levels. Notably, our 1-year historical performance (as of 30 April 2026) delivered strong returns ranging from 4.75% to 12.99%. The core philosophy of portfolio investment is asset diversification. While it may not outperform every single asset class at all times, spreading your risk across diverse assets cushions your portfolio against severe losses. This builds consistency for your investments, paving the way for sustainable, long-term growth.

▶️Why invest in a Global Multi-Asset Income Fund?

Remarks

1. Model portfolios for each risk level feature asset diversification across various classes in different proportions to align with the specific risk profile of each portfolio. These model portfolios are constructed using the Mean-Variance optimization method, based on the preparer's assumptions, historical data, and an economic outlook projecting changes over the next 10 years. However, these model portfolios do not guarantee future performance or returns, nor do they guarantee that investors will achieve the expected returns shown. Furthermore, the past performance of the recommended model portfolios is not indicative of future results. Investors should thoroughly study essential fund information, particularly investment policies, risk factors, and fund performance. Additionally, investors may face foreign exchange risk, as currency hedging is at the sole discretion of the fund manager.
   
2. Muang Thai Life Assurance Public Company Limited began providing portfolio management services on 17 June 2022, under the new marketing name MTL Portfolio Management. The investment portfolios are divided into 5 risk levels: Aggressive (Very High Risk), Advanced (High Risk), Balanced (Medium Risk), Conservative (Medium-Low Risk), and Low Risk (Low Risk). The performance shown is a continuation linking the performance of the recommended model portfolios by risk level with MTL Portfolio Management.
   
3. Past performance of the fund is not indicative of future results. The insured should study and thoroughly understand the coverage details, conditions, and exclusions before making a decision to purchase insurance.
   
4. Performance for periods of less than 1 year is presented as a holding period return.
   
5. The recommended model portfolios were initiated (since inception) on 30 November 2016.

Remarks: Investing carries risks. You may not achieve the expected returns of the recommended investment portfolios, or you may incur losses from following the recommended portfolios. The recommended investment portfolios are merely proposed investment models for your consideration. When investing in the recommended portfolios, investors may face currency risks from overseas investments. Investors should understand the fund characteristics, return conditions, and risks before making investment decisions. The five recommended portfolio models are tailored to different objectives, investment requirements, and risk tolerance. The investment weights, estimated returns, and risk levels are derived from historical data and an evaluation of economic conditions, investment climates, and market trends for each asset class, which may change in the future. When you invest in the recommended portfolios, the actual asset values may rise or fall, causing the actual investment allocation to deviate from the original recommended portfolio allocation. Investors should consider buying or selling assets to maintain the recommended portfolio allocation. The recommended portfolios do not guarantee returns, and investors may experience returns higher or lower than the expected returns, depending on the actual performance of each asset class in any given year. The appropriate investment period for these portfolios is at least 10 years.  ”Expected return” refers to the return expected from each portfolio's risk level over a 10-year investment horizon. “Expected return volatility” refers to the expected volatility in returns over the 10-year investment period for each portfolio's risk level.

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