🌙 THE PURE MONTHLY‑PAYING INCOME PORTFOLIO

Target yield: 8.2% – 10.8%

Distributions: 100% monthly

Objective: Smooth, predictable cashflow with no quarterly spikes.

This version uses only UCITS ETFs with confirmed monthly distribution share classes.

1) Nasdaq‑100 Covered‑Call Income – 30%

Category: Monthly covered‑call equity Yield: ~12% Role: Primary income engine Why monthly: UCITS version distributes monthly

This is the highest‑yielding monthly payer available in the UK.

2) S&P 500 Covered‑Call Income – 20%

Category: Monthly covered‑call equity Yield: ~10% Role: Stability + diversification Why monthly: UCITS version distributes monthly

Balances the tech‑heavy Nasdaq exposure.

3) Global SuperDividend Monthly – 20%

Category: Global high‑yield equities Yield: ~11% Role: Global diversification + high income Why monthly: UCITS “SuperDividend” share classes pay monthly

This prevents the portfolio from becoming too US‑centric.

4) Global Enhanced‑Income Equity (Monthly) – 20%

Category: Global equity income with option overlays Yield: ~5–6% Role: Smooths income when volatility drops Why monthly: UCITS enhanced‑income share classes pay monthly

This is your “volatility stabiliser”.

5) Short‑Duration High‑Yield Credit (Monthly) – 10%

Category: Monthly credit income Yield: ~5–7% Role: Defensive ballast Why monthly: UCITS short‑duration HY credit ETFs pay monthly

This reduces drawdowns and adds non‑equity income.

📊 Portfolio Summary (All Monthly Payers)

Component	Allocation	Yield	Purpose
Nasdaq‑100 Covered‑Call	30%	~12%	High‑octane income
S&P 500 Covered‑Call	20%	~10%	Income stability
Global SuperDividend	20%	~11%	Global diversification
Global Enhanced‑Income Equity	20%	~5–6%	Volatility smoothing
Short‑Duration High‑Yield Credit	10%	~5–7%	Defensive ballast

Blended monthly yield:

≈ 8.2% – 10.8%

Distribution frequency:

Every holding pays monthly.

💷 Income Example: £500/month target

Using the mid‑range yield (≈9.5%):

$$\text{Required capital}=\frac{\mathrm{\pounds }6,000}{0.095}\approx \mathrm{\pounds }63,157$$

So ~£63k invested in this monthly‑only portfolio targets £500/month.

🧠 Why this version is special

• No quarterly spikes
• No uneven cashflow
• No waiting for EM or global dividend cycles
• Covered‑call ETFs provide the high yield
• Enhanced‑income + credit smooth the volatility
• Every component pays monthly, so the income curve is flat and predictable

This is the cleanest monthly income engine you can build in UCITS.