Put in a lump sum and see the monthly income the same income-fund blend would pay. Nothing is reinvested: every payout comes to you.
A pension fund grows by reinvesting. An annuity-style plan does the opposite: you invest once, and the income arrives as cash each month.
Start from the same blend of eight option-income funds used in the P6 Pension, with yields from 10% to 17.6%.
Enter a starting amount. There are no monthly additions to model.
No DRIP: each distribution is paid out instead of buying more shares, so the income stays level in this model.
Set a weight for each fund. The blended yield sets your monthly income. Yields are distribution rates from early November 2026; edit them as they change.
Monthly income is the amount invested in each fund times its yield, divided by 12.
What this assumes. Each fund pays its current yield every month, and the starting amount stays fully invested with no change in share price. Real option-income funds change their payouts, and share prices can fall as well as rise. Taxes are not included. The funds listed are all tied to large US stocks, most to the Nasdaq, so the blend does not diversify across markets. This is a scenario tool, not a forecast, a guarantee or financial advice.
Enter a loan amount and a monthly payment. We invest the loan amount in the same fund blend and compare the monthly income with your payment.
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Read this before borrowing. You still owe the whole loan, with interest, even if the funds fall in value or cut their payouts. The income here is a scenario built on today's yields, not a promise. The payment you enter should include interest, and this test does not model the loan balance, taxes or fees. Borrowing to invest can lose money. This is not financial advice.
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