Is the monthly payment guaranteed?

No. The payment is a planned portfolio withdrawal. Its sustainability depends on investment performance, fees, the selected payment level and the sequence of market returns.

Is this an insurance annuity?

No. This is an investment-based systematic withdrawal strategy. It does not provide an insurer guarantee, lifetime income guarantee or capital guarantee.

Where does the monthly payment come from?

Payments may be funded from dividends, other portfolio income and the partial sale or redemption of portfolio investments.

What is the difference between Broad Market and Market Leaders?

Broad Market spreads exposure across approximately 500 leading U.S. companies. Market Leaders holds ten of the largest S&P 500 constituents in approximately equal weights and rebalances the portfolio every six months.

What happens after 20 years?

The investor continues to own any capital remaining in the portfolio. The actual remaining value may be materially higher or lower than the illustrations and could be zero.

Can the monthly payment be changed?

Payment changes are subject to the applicable fund terms and operational cut-off dates. Changes are not unrestricted and must be requested in line with the fund documentation.

What happens when markets fall?

The portfolio value may decline while monthly withdrawals continue. This can require more shares to be sold and may reduce the duration of the plan or the capital remaining at the end.

How is the fee charged?

The 2% annual management fee is accrued monthly against the portfolio's net asset value.

Is there currency risk?

Yes. The underlying companies and index exposure are primarily denominated in U.S. dollars. Returns measured in euros can therefore be affected by movements in the EUR/USD exchange rate.

Annuity cash flow // monthly income plan

Turn long-term capital into a planned monthly cash flow.

Choose the monthly payout you want and the period you want it to cover. Your capital remains invested while scheduled monthly redemptions convert part of the portfolio into usable cash flow.

Select between diversified broad-market exposure and a concentrated Market Leaders portfolio. Both options remain liquid, transparent and professionally managed. Neither option guarantees returns, payment duration or remaining capital.

PLANNED

Monthly payout

20 YEARS

Default horizon

2.00% P.A.

Annual management fee

TWO

Investment options

This is an investment-based systematic withdrawal plan, not an insurance annuity. Payments are funded through portfolio income and capital withdrawals.

01 / the simple idea

Choose the income. Define the capital.

A 20-year plan begins with a simple reference point: the desired monthly payout multiplied by 240 months. Investment returns may allow a substantial portion of the portfolio to remain after the scheduled payments have been made, but the actual outcome depends on market performance, fees and the order in which good and bad years occur.

Planned monthly payout	Reference starting capital	20-year scheduled payments
€1,000	€240,000	€240,000
€2,500	€600,000	€600,000
€5,000	€1,200,000	€1,200,000
€10,000	€2,400,000	€2,400,000

The reference capital is not a guarantee that the selected payout will remain sustainable for the entire period.

02 / choose the engine

Broad participation or concentrated market leadership.

Both options use liquid instruments and the same withdrawal mechanics. They differ in how widely capital is spread and therefore in how concentrated the risk is.

MARKET GENERAL // BROAD MARKET

Broad Market

A diversified portfolio designed to participate in the performance of the broad U.S. equity market, typically through liquid UCITS instruments tracking the S&P 500. The strategy spreads capital across approximately 500 leading U.S. companies and reduces dependence on the performance of any single business.

·Broad U.S. equity-market exposure
·Index-based implementation
·Diversified across approximately 500 companies
·Monthly scheduled withdrawals
·2% annual management fee, accrued monthly
·Higher diversification
·Full equity-market risk
·USD exposure and EUR/USD currency risk

Explore Broad Market >

MARKET LEADERS // TOP 10

Market Leaders

An equal-weighted portfolio of the ten largest constituents in the S&P 500. Each company begins at approximately 10% of the portfolio. The holdings are reviewed and rebalanced semi-annually so that the portfolio continues to represent the largest companies in the market rather than a static list of today’s winners.

·Ten largest S&P 500 constituents by float-adjusted market capitalization
·Approximately 10% starting weight per position
·Constituent review every six months
·Rebalanced semi-annually
·Monthly scheduled withdrawals
·2% annual management fee, accrued monthly
·Higher concentration and company-specific risk
·USD exposure and EUR/USD currency risk

Explore Market Leaders >

Market Leaders is not expected or claimed to outperform the S&P 500. It is a more concentrated portfolio, which means potentially greater upside and potentially greater downside than a broadly diversified holding.

Broad Market vs Market Leaders
Feature	Broad Market	Market Leaders
Holdings	Approximately 500	10
Weighting	Broad index weighting	Equal-weighted at rebalance
Portfolio review	Follows index methodology	Every six months
Concentration	Lower	Higher
Company-specific risk	Lower	Higher
Monthly withdrawals	Yes	Yes
Annual management fee	2%	2%
Suitable for	Diversified market participation	Concentrated exposure to the largest companies

03 / model the cash flow

See how capital, payments, returns and fees interact.

Set a payout or a starting capital, choose a horizon and adjust the illustrative gross return assumption. The arithmetic applies the assumed monthly market return, then the monthly management fee, then the planned payout.

Desired monthly payout (€)

Starting capital (€)

Investment horizon

Annual management fee

Strategy

Compare both strategies on the chart (using each strategy’s default illustrative return assumption)

Illustrative output · Broad Market

€240,000

Reference starting capital

€1,000

Planned monthly payout

20 years

Investment horizon

€240,000

Total scheduled payments

€524,586

Illustrative remaining capital

7.82%

Effective annual return after fee

€140,015

Estimated cumulative management fees

None

Depletion

No depletion within the selected horizon.

BROAD MARKET BALANCE
CUMULATIVE PAYMENTS

Illustrative mathematical scenario, not a forecast. Real market returns do not occur at a constant rate. Taxes, trading costs, currency movements and changes in the portfolio are not included unless expressly stated. The management fee is fixed at 2.00% per annum, accrued monthly.

04 / illustrative outcomes

The same cash flow. Different market outcomes.

These scenarios demonstrate the mathematics of compounding, fees and withdrawals. They do not predict the future performance of either strategy.

€240,000 starting portfolio · €1,000 monthly payout · 20 years · 2% annual management fee
Gross annual return	Effective return after fee	Total payments	Remaining capital
8%	5.86%	€240,000	approximately €303,000
10%	7.82%	€240,000	approximately €525,000
12%	9.78%	€240,000	approximately €851,000
15%	12.72%	€240,000	approximately €1,638,000

Risk

Averages do not arrive in a straight line.

A market decline at the beginning of the withdrawal period can be more damaging than the same decline near the end. During falling markets, a fixed cash payment requires more shares to be sold. This is known as sequence-of-returns risk.

05 / fees

One transparent annual management fee.

The strategy charges a 2% annual management fee, accrued monthly against the portfolio’s net asset value. The fee covers portfolio implementation, monitoring, scheduled withdrawals, reporting, administration and semi-annual portfolio review where applicable.

2.00% P.A.

Management fee

MONTHLY

Fee accrual

NONE

Hidden commissions

Underlying instrument expenses, transaction costs, taxes and currency-conversion costs may apply and must be disclosed in the applicable fund documentation.

06 / suitability

Designed for investors who want capital to become usable cash flow.

Suitable for

·Investors with substantial long-term capital
·Investors seeking planned monthly withdrawals
·Investors who understand equity-market volatility
·Investors with a ten-year or longer horizon
·Investors who can tolerate fluctuations in remaining capital
·Families, entrepreneurs and eligible investors planning long-term distributions

Not suitable for

·Investors requiring guaranteed income
·Investors requiring capital protection
·Investors who cannot tolerate equity-market losses
·Investors who may need the entire capital at short notice
·Investors seeking an insurance pension or lifetime annuity

Investors who instead want a single income-oriented portfolio should read about the income-oriented investment fund, while companies with idle cash should read about corporate treasury management.

07 / FAQ

Questions investors ask first.

Is the monthly payment guaranteed?: No. The payment is a planned portfolio withdrawal. Its sustainability depends on investment performance, fees, the selected payment level and the sequence of market returns.
Is this an insurance annuity?: No. This is an investment-based systematic withdrawal strategy. It does not provide an insurer guarantee, lifetime income guarantee or capital guarantee.
Where does the monthly payment come from?: Payments may be funded from dividends, other portfolio income and the partial sale or redemption of portfolio investments.
What is the difference between Broad Market and Market Leaders?: Broad Market spreads exposure across approximately 500 leading U.S. companies. Market Leaders holds ten of the largest S&P 500 constituents in approximately equal weights and rebalances the portfolio every six months.
What happens after 20 years?: The investor continues to own any capital remaining in the portfolio. The actual remaining value may be materially higher or lower than the illustrations and could be zero.
Can the monthly payment be changed?: Payment changes are subject to the applicable fund terms and operational cut-off dates. Changes are not unrestricted and must be requested in line with the fund documentation.
What happens when markets fall?: The portfolio value may decline while monthly withdrawals continue. This can require more shares to be sold and may reduce the duration of the plan or the capital remaining at the end.
How is the fee charged?: The 2% annual management fee is accrued monthly against the portfolio's net asset value.
Is there currency risk?: Yes. The underlying companies and index exposure are primarily denominated in U.S. dollars. Returns measured in euros can therefore be affected by movements in the EUR/USD exchange rate.

Build your plan

What monthly cash flow should your capital produce?

Share your target monthly payout, available capital and preferred investment approach. We will prepare an illustrative plan and explain the relevant risks, fees and eligibility requirements.

Also available

Fees, liquidity terms and return objectives are shared with eligible investors.

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Legal notice

Capital is at risk and the value of investments can fall as well as rise. Return objectives are objectives, not guarantees. This page is informational only and is not an offer, solicitation or investment advice. Access to the fund may be limited to eligible investors under applicable law.