Single fund international equity portfolio with strong value tilt high yield and low volatility focus
Report created on Jul 10, 2026Risk profile
4/7
Diversification profile
4/5
Positions
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LV Franklin International Low Volatility High Dividend Index ETF
LVHI - US52468L5057 100.00%
This portfolio is as simple as it gets: one ETF makes up 100% of the holdings. Everything is invested in an international stock fund that targets companies outside the US with lower price swings and higher dividend payments. Structurally, this means there is no internal balancing between different strategies or asset types; the entire experience tracks this single ETF’s design and behavior. The simplicity can make the portfolio easy to understand and monitor. At the same time, it means the ETF’s index rules drive all key characteristics: income level, growth potential, regional mix, and how the portfolio reacts in different market conditions.
Growth
Over the period shown, $1,000 grew to about $2,865, implying a Compound Annual Growth Rate (CAGR) of 11.37%. CAGR is like average speed on a road trip, smoothing out bumps to show steady yearly growth. This return trailed both the US market and the global market, which grew faster on average. However, the portfolio’s worst peak‑to‑trough fall, or max drawdown, was slightly smaller than the benchmarks. That fits the low‑volatility focus: somewhat gentler downside, but also weaker participation in strong bull markets. As always, historical performance only shows how this approach handled past conditions, not what it will deliver next.
Projection
The forward projection uses a Monte Carlo simulation, which basically reruns history a thousand different ways to show a range of possible futures. It takes the past return and volatility patterns and shuffles them to estimate where a $1,000 investment might land in 15 years. The median outcome is around $2,856, with a wide range from roughly $969 to $8,070 between the more extreme scenarios. This illustrates how uncertain long‑term equity investing can be, even with a lower‑volatility style. These numbers are not promises; they depend on future markets resembling historical behavior, which may or may not hold, especially over long horizons.
Asset classes
- Stocks 100%
All of the portfolio sits in stocks, with 0% in bonds, cash, or alternative assets. That makes the asset class picture very clear: it is a pure equity portfolio, focused on international companies. Equities historically offer higher potential returns than bonds or cash but also come with larger price swings. The “Balanced Investors” risk label here is achieved not by mixing asset classes, but by using a lower‑volatility equity style and a high dividend focus. That’s different from many “balanced” mixes, which often combine stocks and bonds. The result is still fully exposed to equity market cycles, without the stabilizing role that fixed income sometimes plays.
Sectors
- Financials 24%
- Energy 16%
- Industrials 13%
- Utilities 10%
- Consumer Staples 10%
- Health Care 7%
- Basic Materials 6%
- Telecommunications 6%
- Consumer Discretionary 5%
- Real Estate 2%
Sector exposure is diversified across several areas, with financials the largest slice at 24%, followed by energy at 16%, then industrials, utilities, and consumer staples. This spread helps avoid over‑reliance on a single part of the economy, and the mix leans slightly toward more defensive, cash‑generating industries compared with many broad market indexes. For example, utilities and consumer staples often hold up relatively better when economic growth slows, while energy and financials can be more cyclical. A portfolio tilted this way may experience different ups and downs than a growth‑heavy mix, especially around interest rate cycles and commodity price shifts.
Regions
- Europe Developed 55%
- North America 16%
- Japan 14%
- Australasia 8%
- Asia Developed 6%
Geographically, the portfolio is strongly tilted toward developed Europe at 55%, with additional exposure to North America (16%), Japan (14%), Australasia (8%), and other developed Asia (6%). This means returns are heavily influenced by European economies, currencies, and policy decisions, rather than being spread evenly across the global market. Compared with common global benchmarks, which often give a larger weight to the US, this portfolio meaningfully underweights US stocks and overweights Europe and Japan. That creates diversification away from the US, but also ties results more to how non‑US developed markets perform relative to the broader world.
Market capitalization
- Mega-cap 51%
- Large-cap 37%
- Mid-cap 10%
Market capitalization exposure leans heavily toward mega‑cap and large‑cap companies, which together make up 88% of the portfolio, with only 10% in mid‑caps and effectively none in small‑caps. Large and mega‑cap stocks tend to be more established businesses, often with more stable earnings and easier trading. This aligns well with the low‑volatility, high‑dividend objective, because big companies are more likely to have the balance sheets and cash flows to support steady payouts. On the other hand, limited exposure to smaller companies means the portfolio may capture less of the higher‑risk, potentially higher‑growth segment of the equity universe.
True holdings
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SH Shell plc 2.59%
Part of fund(s):- Franklin International Low Volatility High Dividend Index ETF
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CN Canadian Natural Resources Ltd 2.30%
Part of fund(s):- Franklin International Low Volatility High Dividend Index ETF
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BH BHP Group Ltd 2.27%
Part of fund(s):- Franklin International Low Volatility High Dividend Index ETF
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RI Rio Tinto PLC 2.27%
Part of fund(s):- Franklin International Low Volatility High Dividend Index ETF
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SU Suncor Energy Inc 2.22%
Part of fund(s):- Franklin International Low Volatility High Dividend Index ETF
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UL Unilever PLC 2.11%
Part of fund(s):- Franklin International Low Volatility High Dividend Index ETF
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IS Intesa Sanpaolo SpA 2.07%
Part of fund(s):- Franklin International Low Volatility High Dividend Index ETF
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BN Bank of Nova Scotia 2.06%
Part of fund(s):- Franklin International Low Volatility High Dividend Index ETF
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NO Novartis AG 2.03%
Part of fund(s):- Franklin International Low Volatility High Dividend Index ETF
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CM Canadian Imperial Bank Of Commerce 1.93%
Part of fund(s):- Franklin International Low Volatility High Dividend Index ETF
- Top 10 total 21.85%
Looking through the ETF’s top ten holdings, no single company dominates the portfolio. The largest visible positions, such as Shell, Canadian Natural Resources, BHP, and Rio Tinto, are each around 2–2.6% of total exposure. Several financials and consumer‑facing firms also appear, and there is no overlapping exposure across multiple funds since there is only one ETF. Coverage is limited to about 22% of the ETF’s assets, so actual diversification is broader than this list shows. Still, the top positions hint at a tilt toward resource‑linked and dividend‑rich companies, consistent with the fund’s income and low‑volatility mandate.
Factors
Factor exposures are estimated using statistical models based on historical data and measure systematic (market-relative) tilts, not absolute portfolio characteristics. Results may vary depending on the analysis period, data availability, and currency of the underlying assets.
Factor exposure is very distinctive here. Factor investing looks at traits like value, yield, and volatility that help explain why stocks behave the way they do. This ETF shows a very high tilt to value (85%), focusing on companies priced lower relative to fundamentals. It also has a very high yield tilt (81%), which lines up with its high dividend focus, and an extremely strong low‑volatility tilt (98%), targeting stocks with historically smaller price swings. Size exposure is very low, meaning it leans away from smaller companies. Together, this creates a concentrated “defensive value and income” style that may lag in momentum‑driven growth rallies but hold steadier in rough patches.
Risk contribution
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Franklin International Low Volatility High Dividend Index ETF
Weight: 100.00% 100.0%
With a single ETF at 100% weight, risk contribution is straightforward: that one position drives 100% of the portfolio’s ups and downs. Risk contribution measures how much each holding adds to overall volatility, which can differ from its weight, but in this case the ratio is one‑to‑one. There is no possibility for one stock or fund to quietly dominate risk, because everything is already in the same basket. The main implication is that any change in this ETF’s strategy, index rules, or performance characteristics would immediately reshape the entire portfolio’s risk profile without any offset from other holdings.
Dividends
- Franklin International Low Volatility High Dividend Index ETF 4.70%
- Weighted yield (per year) 4.70%
The portfolio’s indicated dividend yield of 4.70% is relatively high compared with many broad equity benchmarks. Yield represents the annual cash payout as a percentage of the investment, and for this ETF it is a major part of the strategy. High dividends can provide a meaningful chunk of total return, especially in periods when price growth is modest. They can also help smooth the experience by delivering cash flows even during sideways markets. At the same time, dividend levels can change over time as companies adjust their payouts, so there is no guarantee that today’s yield will persist unchanged in the future.
Ongoing product costs
- Franklin International Low Volatility High Dividend Index ETF 0.40%
- Weighted costs total (per year) 0.40%
The ETF’s Total Expense Ratio (TER) is 0.40%, meaning $4 per year for every $1,000 invested. TER covers the fund’s operating costs and is deducted within the ETF, so performance numbers are already after fees. This level is moderate for a specialized factor strategy rather than a plain‑vanilla market index, where fees are often lower. Over many years, even small differences in TER can compound, slightly reducing the net return that investors keep. In this case, costs are reasonably controlled, giving the portfolio a solid foundation where the majority of returns flow through to the investor rather than being absorbed by fees.
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