KBank Private Banking recommends monitoring three outstanding assets to revitalize your investment portfolio in the latter part of 2025.

Mr.Adisorn Sermchaiwong ,Executive Chairman, Private Banking Group, recommends investors monitor three outstanding assets that will help your investment portfolio survive the crisis and generate returns in the latter part of 2025. The investment market continues to face continued volatility as it enters a crucial policy turning point. This is reflected in the shifting stances of major central banks, particularly the US, which is likely to lower interest rates and signal further easing next year amid the economic slowdown and trade tensions with China and other allies. These include:

Debt Instruments: Generate stable income from assets that provide consistent returns. The current high interest rates present a "golden opportunity" for investing in debt instruments to generate income and provide a strong foundation for dealing with overall market volatility. Furthermore, the near-term decline in interest rates will also benefit bond prices, allowing investors to capitalize on rising prices. Investing in bond funds is recommended, such as the K-GDBOND fund, which focuses on diversifying investments in high-quality global bonds, and the K-AHY fund, which focuses on diversifying investments in Asia-Pacific bonds.

Asian Stocks: China, India, and Vietnam: Opportunities for investors with a high risk tolerance. Gradually accumulating Chinese stocks presents an attractive opportunity, despite the challenges facing the Chinese economy. However, the Chinese government is implementing ongoing economic stimulus policies, which could support the future recovery of the Chinese stock market and boost domestic consumption. In the long term, China is restructuring its economy, emphasizing digital services and enhancing welfare systems to promote sustainable consumption. We recommend investing in equity mutual funds such as the K-CHINA Fund, which focuses on high-quality, high-growth Chinese stocks listed in mainland China, Hong Kong, and other countries (All China). It focuses on new economy stocks such as technology, carbon reduction, and consumer goods.

Similarly, we recommend investing in Indian stocks, such as the K-INDIA Fund, which focuses on domestic consumption. With a population of over 1.46 billion, the middle class is growing rapidly, and household debt remains low. We also recommend investing in Vietnamese stocks with high growth potential, through the PRINCIPAL VNEQ Fund, which focuses on quality companies with strong cash flows and balance sheets, focusing on financial, export, and real estate sectors.

Off-the-shelf assets: A new alternative for superior returns. Semi-liquid private asset funds (SFIs) help alleviate the liquidity constraints that traditional private asset funds face, requiring investment lock-ins for 7-10 years. Investors can increase their investments monthly, and can sell units quarterly or at specified intervals. A wide range of SFIs products are available, including private equity funds through the K-GPEQ-UI fund, which focuses on investing in global megatrend private sector businesses such as healthcare and technology; private credit funds, which lend directly to private companies through the K-GPC-UI fund and the MPCREDIT-UI fund, which focus on investing in companies with high debt repayment capabilities; and private infrastructure funds through the MPINFRA-UI fund, which focuses on investing in core infrastructure assets that are subject to regulatory rate controls or long-term contracts with credible counterparties, such as the central government, local governments, and large corporations.

In addition to the three prominent assets, The key investment strategy for the second half of 2025 is to establish a stable core portfolio and then enhance it with opportunities (Satellite Portfolio) based on investor risk tolerance. KBank Private Banking recommends a core portfolio weighting of at least 50%. Investments are recommended in "global multi-asset funds" managed by professional managers to balance risk and opportunity. Investments in funds like the K-ALLROADS Series or the K-WEALTH PLUS Series are recommended.

In a world of unprecedented economic, geopolitical, and technological change, everything is changing rapidly and unpredictably. Building a portfolio that meets long-term needs is essential. Therefore, investors should diversify their portfolios beyond just one asset class, country, or investment theme. Instead, they should create a portfolio that is ready for all situations.

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