Low-MedIncome / stability investors / 40+
Value-Up Dividend Finance Portfolio
Value-Up themed high-dividend portfolio built on the four major Korean financial holding companies, benefiting from the 2026-2028 separated dividend tax regime.
Expected Return
7-12% annually
Expected Dividend
5-7%
Rebalancing
Semi-annual
Asset Allocation
105560 (30%)
055550 (25%)
086790 (25%)
316140 (20%)
KR105560KB Financial Group
Total shareholder return targeted at 53%; combining dividends with buybacks. Largest by market cap
30%
KR055550Shinhan Financial Group
Leader in quarterly dividends; continued ROE and CET1 improvement with balanced bank + non-bank mix
25%
KR086790Hana Financial Group
Industry-highest ~7% dividend yield; attractive low PBR and superior capital strength
25%
KR316140Woori Financial Group
Non-bank expansion via securities/insurance M&A; upside in payout ratio
20%
Advantages
- ✓Separated dividend tax regime boosts after-tax yield
- ✓Biggest beneficiary of Value-Up policy with accelerating buybacks
- ✓Low PBR and historically high yield cushion downside
Risks
- !NIM compression if rate cuts accelerate
- !Credit risk from real estate PF and large-corp exposure
- !Regulatory risk from banking policy tightening
Allocation by Investment Amount
₩1,000,000
105560₩300,000
055550₩250,000
086790₩250,000
316140₩200,000
₩5,000,000
105560₩1,500,000
055550₩1,250,000
086790₩1,250,000
316140₩1,000,000
₩10,000,000
105560₩3,000,000
055550₩2,500,000
086790₩2,500,000
316140₩2,000,000