Promotions/Fund Highlight

Tax Savings and More — Grow Your Potential Returns 
Thoughtfully selected funds for you… Global equities, ESG, gold, and bonds.

• KFGOLDRMF: Invest in gold, a store of value sought after as a safe haven during market uncertainty.
• KF-WORLD-INDXRMF: Access leading global companies with growth potential following the MSCI ACWI Index.
• KF-GDIVRMF: Select high-quality dividend stocks worldwide, aiming for returns from both dividends and capital appreciation.
• KF-SINCOME-FXRMF: Invest in a diversified range of global bonds through top-tier master funds.
• KFAFIXRMF: Focus on medium-term Thai bonds, both government and corporate, using an active and flexible strategy.

• Gold prices are expected to be supported by a weaker US dollar and potential interest rate cuts by the US Federal Reserve (Fed). Markets anticipate a rate cut at the September meeting, with the possibility of two more cuts later this year. (Source: Bloomberg, CNBC, as of 18 Sep 2025)
• Krungsri Asset Management believes that the trend of central banks worldwide increasing their gold reserves is another factor supporting gold prices in the medium to long term.

• The world’s largest gold ETF* and is highly popular among investors listed on the New York, Hong Kong, Tokyo, and Singapore stock exchanges. The fund focuses on investing in physical gold to closely track the performance of gold prices. (*Source: https://www.spdrgoldshares.com | This ranking is independent and not affiliated with the Association of Investment Management Companies (AIMC))
• Historical performance aligns closely with gold bullion investing

• The Master Fund: iShares MSCI ACWI ETF tracks the widely recognized MSCI ACWI Index, the largest in the world with over USD 20 billion in assets. It is diversified across more than 2,000 companies spanning multiple regions and industries, reducing concentration risk in any single sector.
• The Master Fund has low expense ratio of 0.32%, supporting long-term index-tracking and potential returns.

• Performance reflects global equity market growth.

• Invests in high-quality global dividend-paying stocks to protect capital while aiming for potentially attractive total returns.

• The portfolio combines active and passive investment strategies, selecting companies that can pay dividends consistently and with a growing trend, while maintaining low earnings volatility. This approach helps protect capital in a down market while offering opportunities for attractive total returns.
• Key features that differentiate KF-GDIVRMF from other global dividend equity funds
  • Diversifies into high-quality cyclicals (~30%) to expand investment opportunities.
  • Avoids “value traps” of cheap stocks with no price growth.
  • Selects stocks with growing, sustainable dividends rather than high current yield.
  • The overall portfolio targets a Dividend Yield at least 25% higher than the global market, with an emphasis on businesses that offer resilience at attractive price levels.

Source: Fidelity International, Morningstar Direct as of 31 Jul 2025 | The performance shown refers to the Share Class Y-QINCOME(G)-USD in which KF-GDIVRMF invests, established on 20 Feb 2017 | The Quartile rank information is based on the performance of the main share class as reported by Morningstar, which may differ from the performance shown in this document. Quartile 1 indicates the fund is among the top 25% of its peer group | The Quartile rank calculation is internal to Fidelity International and may vary by share class | Peer group reference: Morningstar EAA Fund Global Equity Income | The performance shown refers to the performance of the underlying fund and does not follow AIMC mutual fund performance measurement standards | The ranking has no affiliation with AIMC’s rankings.

• The Master Fund: PIMCO GIS Income Fund, a 5-star Morningstar rated fund*, was managed by PIMCO - a global asset manager with over 50 years of expertise in fixed income investing. (*Source: PIMCO as of 31 Aug 2025. Morningstar ratings are independent of AIMC rankings.)
• The Master Fund has consistently outperformed the market historically, thanks to flexible portfolio adjustments across various fixed income securities to adapt to changing market conditions.

• Invests in medium-term bonds, including government, corporate, and international bonds, with a focus on high-quality corporate bonds. Managed actively with flexibility in portfolio allocation to adapt to market conditions.
• Seeks attractive incremental returns to help reduce portfolio volatility, supported by the global trend of declining policy interest rates - led by developed markets - which also encourages capital flows into emerging markets.
• KFAFIXRMF is suitable for investors looking for returns higher than short-term bonds and who can tolerate moderate volatility

• KFTHAIESG (Krungsri Enhanced SET Thailand ESG Fund): Opportunity to grow with ESG equities while aiming for returns above the benchmark.
• KFGBTHAIESG (Krungsri Government Bond Thailand ESG Fund): Stable growth potential with Thai ESG government bonds.

• Thai ESG funds encourage long-term savings and support sustainable investment in Thailand. RMF funds promote long-term retirement savings. Investors should understand the product features, return conditions, risks, and tax benefits in the investment guide before making investment decisions. Past fund performance does not guarantee future results.
• This document is prepared using reliable sources as of the date shown, but the company does not guarantee the accuracy, reliability, or completeness of the information and reserves the right to make changes without prior notice.
• For KFGOLDRMF, investors should seek additional advice before investing.
• KFGOLDRMF / KF-WORLD-INDXRMF / KF-SINCOME-FXRMF may involve foreign exchange risk depending on the fund manager’s discretion, which could result in gains or losses from currency fluctuations or receiving less than the original investment.
• Investments made via credit card are not eligible for credit card promotions.
• Investors should review tax benefits as outlined in the investment guide. Tax benefits will not apply if investment conditions are not met, and previously received benefits must be returned within the prescribed period, otherwise additional payments and/or penalties under the Revenue Code may apply.

Summary: Information of 5 Recommended RMFs