Investor Advantage

• Log in to myMetLife.
• On the policy number card, click “I want to” drop down.
• Select “Manage Investments” to view the value of your policy.
• Scroll down to “Your Portfolio” where you can see the value each sub-account. If you scroll down further, under “fund transaction summary” you can see the amount that was invested in each fund.

It is not possible to provide specific mutual fund recommendations as the best mutual funds to invest in can vary depending on your financial goals, risk tolerance, investment timeframe, geographic preference and other factors. Each mutual fund can fluctuate due to market forces, and historical positive performance is not an indicator of positive performance going forward.

It's recommended to consult with a financial advisor who can assess your personal situation and provide tailored recommendations based on your individual needs and preferences.

Additionally, it's important to do your own research and consider factors such as the fund's historical performance, expenses, investment objective, and strategy before making any investment decisions.

• Log in to https://www.mymetlife.net
• On the Homepage, click the policy number or click “I want to…” dropdown
• Click “Manage Investments”
• Go to “Manage Investments” tab
• Click either “Premium Redirection” or “Fund Switching”.
• Click “View Fund Performance” link.
• You will be redirected to MetLife Fund Information portalwhere you can view the performance of each fund.

• Premium Redirect or Allocation – When you want to redirect all future net premiums to the Investment Account(s) as per specified percentage. For example, if your net premium is USD 100.00, and you allocated 60% towards “Fund A” and 40% towards “Fund B”, then we will purchase mutual fund units worth of USD 60.00 for “Fund A” and USD 40.00 for “Fund B”.
• Fund Switch or Transfer between sub accounts – When you want to transfer a sub account value partially or fully to a new investment sub-account(s). For example,“Fund A” is currently valued at USD 100.00 and you want to transfer this amount to “Fund C”.
• Premium Redirect and Fund Switch Both – You may do both of the above or one or the other depending on your investment strategy.

• You are allowed to put multiples of 5 (5% , 10%, 15%..) or 10 (10%, 20%, 30%..). The total should always amount to 100%.

•  Log in to myMetLife.
• On the policy number card, click “I want to” drop down.
• Select “Manage Investments”.
• Click “Manage My Funds”. If your KYC is not updated, you will be prompted to update your profile.
• Click either “Premium Redirection” or Fund Switching”.

Depending on your policy contract, you may be allowed either of the following:

• Unlimited switches; or
• Up to four (4) free transfers in a policy year and for each additional transfer in a policy year there will be a fee.

Please refer to the endorsement form enclosed in your policy kit to know if you have a limit, and what the charge would be for each additional transfer that occurs above this limit. It will be mentioned under “Fund transfer fee”.

To obtain the endorsement form:

•  Log in to myMetLife.
• Click “Documents” tab at the top right.· Under “Individual Policies”, click “Policy Documents” to view or download.
• Navigate the policy kit to see the endorsement form

• You can submit one request per day. Thereafter, both premium redirection and fund switching will be disabled after submission. You may submit another request again the following day.

Some of the factors to consider include:

• Changes in your risk tolerance: If your risk tolerance has changes you should adjust your portfolio according to your new tolerance levels.
• Fund underperformance: If a fund is underperforming its benchmark for an extended period, you might consider switching to a fund with a better track record.
• Change in investment goals: If your investment goals have changed, your portfolio should reflect that.
• Diversification: you might want to change allocation to further diversify your portfolio.
• New Investment opportunities: You might want to switch to gain exposure to different sectors or asset classes, if you believe they might offer better returns.

A mutual fund is a investment vehicle that pools money from multiple investors with similar objectives to purchase securities, usually directed by an active professional manager. Some of the key benefits of mutual funds are:

• Accessibility: Mutual funds are accessible to most investors, with very low minimum investments. (with MetLife, your minimum investments are waived)
• Liquidity: Mutual funds are usually very liquid investment instruments and can be bought and sold easily.
• Low cost: Mutual funds are usually lower in cost that investing in individual securities that make up the underlying of a fund.
• Convenience and diversification: A mutual fund allows you to won multiple asset classes like stocks, bonds, and cash instruments without having to buy and manage each individually.

By logging to myMetLife.To access the fund information portal, follow the steps below:

•  Log in to myMetLife.
• On “I want to…” dropdown, click “Manage Investments”.
• Under “Manage Investments” tab, scroll down to “Your Portfolio”
• Copy the ISIN code of the specific mutual fund you would like to check.
• Click “Manage My Funds”.
• Click either “Premium Redirection” or “Fund Switching”.
• Click “View Fund Performance” link appearing on the top right.

You will be redirected to a portal where you will be able to access to fund tools where you will be able to screen from the list of available funds, access all legal documentation, compare funds, create watchlist, and check performance & factsheets of all of our funds to help you decide.

You can search for the fund using the fund’s ISIN code or by typing the name of the fund in the search engine.

We offer many funds under different risk categories to choose from. Some funds are low risk, medium risk and high risk.

Choosing the right fund for your investment goals involves several key considerations:

• Know your goals: Are you saving for retirement, a house or something else?
• Your risk tolerance: How comfortable are you with risk? Are you willing to accept potential losses in exchange for the possibility of higher returns?
• Your investment horizon: How long do you plan to invest? This will influence the types of funds you should consider.
• Understand the fund investment objectives.
• Review fund performance. But remember that past performance is not indicative of future results.
• Evaluate fund expenses: Compare the expense ratios of different funds.
• Diversify across multiple funds to reduce risk and improve returns.

During a volatile market period, it is important to remain focused on your long-term investment goals. There is always market risk involved when investing. Although no investment strategy can guarantee a profit, a long-term plan may ease uncertainty created by market changes.

As part of MetLife’s commitment to continuously enhance the investment strategies, MetLife may offboard a fund you may be investing in. There is no need to worry. You will be notified ahead of time when the offboarding of the fund is taking place, as we usually provide 30 daysto select an alternative fund of your choice. If you do not switch to a new fund after 30 days, MetLife will relocate your units to an alternative replacement fund which has a similar risk to your offboarded fund.

To change your mutual funds, follow the steps below: ·

• Log in to myMetLife.
• On “I want to…” dropdown, click “Manage Investments”.
• Under “Manage Investments” tab, click “Manage My Funds”.
• Click either “Premium Redirection” or “Fund Switching”.

While MetLife does not offer investment advice, our primary focus is on providing you with a safe, secure, and convenient platform for managing your funds.Here are some of the services provided by MetLife:

• Diverse Investment Options: Choose from a wide range of funds to match your needs and risk tolerance.
• Detailed Fund information: Our platform provides in-depth information, including factsheets, prospectuses, as well as interactive charts to compare risk & return metrics.
• Rigorous due diligence: We conduct thorough due diligence on all investment funds offered in our unit linked products, ensuring that they meet our high standards for quality and transparency.
• Support and Guidance: We offer information and resources to help you make informed investment decisions.

While we cannot offer personalized investment advice, we can provide you with information and support to help you make your own investment decisions.

If you have specific questions or concerns about your funds, we encourage you to consult with a qualified financial advisor.

There could be several reasons why you received a surrender amount less than your initial investment:

• Charges and Fees: Unit Linked products involve various charges and fees including fees charged when you initially invest in the product, management fees to cover the cost of managing the fund or exit fees, when you withdraw your investment before the stablished period.
• Investment Performance: If the fund you selected has underperformed, the value of your units may have decreased, resulting in a lower surrender amount.
• Market Fluctuations: The value of the fund you selected can fluctuate due to market conditions, which can impact the value of your units.
• Currency Fluctuations: If the fund you selected invests in a different currency than the currency of your policy, exchange rate fluctuations can also affect the surrender amount.