Tag Archives: monthly

Revealed: The top investments for monthly income, monthly income.#Monthly #income

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Revealed: The top investments for monthly income

Monthly income

Monthly income

7:21AM BST 19 Aug 2014

Investment funds paying monthly income are uncommon but treasured by savers wanting frequent payments to supplement pensions or other income.

Of the 2,000 unit trusts or equivalent funds available to private investors, just 20 pay income on a monthly basis. Those which do are an eclectic mix of portfolios holding shares and bonds, or often both. By investing in these most savers are aiming to derive a high, frequently paid income, but because several of these funds have delivered strong returns in recent years, their appeal is spreading to a wider audience.

But unlike the cash Isa accounts which pay income monthly – see the table below for the current top payers – savers’ capital is at risk.

Darius McDermott of Chelsea Financial Services, the broker, is a fan. He said: “Investor demand for these funds is picking up and I expect it to continue as investors gain greater control over their pensions. But it is hard to get high levels of income at the moment, so the higher yields often indicate more risk is being taken.”

How the monthly income funds work

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The fund manager of a monthly-paying fund invests savers’ cash in a portfolio of shares, bonds or both. He is limited in how much income he can pay out by the amount of dividends or interest these underlying holdings earn.

He also has to try and pay out the income in more or less equal, monthly instalments, which he can do by holding some income back.

Brian Dennehy, financial adviser and founder of broker FundExpert.co.uk, said: “Smoothing the dividend payments helps the fund manager out if they have a bad month. It can also give investors a bigger payout towards the end of the year, as the excess cash is handed back.”

The income payments are taxed in the same way as other income funds, so if these are held in an Isa there is no further tax to pay.

The funds’ “distribution yields”, quoted as a percentage, give an indication of the yearly income investors can expect based on historic payments.

The funds the experts are backing

Premier Monthly Income, managed by Chris White, is unusual among monthly payers in that it only invests in shares. Mr White invests in high-yielding British firms, comprising mainly blue chips such as BP and GlaxoSmithKline. The fund yields 4.7pc and over the past three years has returned 55pc (capital growth and income payments combined).

Jupiter Monthly Income holds 85pc in shares with the rest in cash and bonds. It yields 5.1pc, and has returned 39pc over three years. A newer fund with a similar investment mix is Schroder Managed Monthly High Income, yielding 5.9pc.

Threadneedle Monthly Extra Income, which also invests around 80pc in shares, yields a lower 3.9pc – which is still considerably higher than the wider UK stock market yield of 3.3pc. This monthly payer is favoured by Lee Robertson of Investment Quorum, the wealth manager, who said: “For me the important thing is that the yield is growing as the fund’s portfolio is positioned to benefit from the steady increase in companies’ earnings as the recovery continues.”

Mr McDermott tipped the recently launched Kames Diversified Income fund. The fund is only six months old but it is targeting a 5pc annual distribution, derived from a portfolio invested 40pc shares and 60pc in bonds.

Then there are the monthly payers where the underlying investments are mainly or only bonds.

That does not necessarily make them less risky, as the capital values of bonds can fluctuate violently. The highest yielding is currently the Alliance Trust Monthly Income Bond fund, paying 5.9pc. The manager has purchased bonds issued by the likes of BT and Orange. The total return for investors over the past three years is 21pc. Other, respected bond based monthly payers include Fidelity Moneybuilder Income, which yields 3.9pc; Invesco Perpetual Monthly Income, yielding 4.7pc, and the Henderson Fixed Interest Monthly Income fund, which yields 5.9pc.

While offering the perk of monthly payments these funds do not necessarily grow annual payouts. Dividend focused investment trusts are better for that purpose.

Salary Calculator, monthly income calculator.#Monthly #income #calculator

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Salary Calculator

The Salary Calculator converts salary amounts to their corresponding values based on payment frequency. Examples of payment frequency include biweekly, monthly, or annual payments. Results include unadjusted figures and adjusted figures that account for vacation days and holidays per year.

Monthly income calculator


This salary calculator assumes the hourly and daily salary inputs to be unadjusted values. All other pay frequency inputs are assumed to be holidays and vacation days adjusted values. This calculator also assumes 52 working weeks or 260 weekdays per year in its calculations. The unadjusted results ignore the holidays and paid vacation days.


A salary is the payment from an employer to an employee for their time and work contributed. Salaries of full or part time employees are normally annual-based, and mainly paid in the currencies of their respective countries, which can be accompanied by compensation of small fractions of goods or services. Most salaries (and wages) are paid after accumulated amounts of time, typically monthly, semi-monthly, bi-weekly, weekly, etc.

To protect workers, many countries enforce minimum wages set by either central or local governments. Also, unions may be formed in order to set standards in certain companies or industries.

There are no differences between wage and salary as a way of referring to payment for employee contribution, except for one difference. While the word “salary” is best associated with employee compensation on an annual basis, the word “wage” is best associated with employee compensation based on the number of hours worked multiplied by an hourly rate of pay. Generally speaking, wage-earners connotatively refer to lower-amount earners than salaried employees.

Full or part time employees (regardless of wage or salary) typically have other benefits, such as employer-contributed healthcare insurance, payroll taxes (half of the Social Security and Medicare tax), unemployment tax, retirement contribution, paid holiday/vacation days, bonuses, and other insurances, though part time employees are less likely to because of the high-turnover rates associated with their positions. Nevertheless, when adding all these benefits together on top of corresponding salaries, the average of the sum can be anywhere around 1.3 to 3 times the employee’s base wage or salary. With that said, salaried employees generally do not get overtime pay, while wage earners are more likely to.

Self-employed Contractors

Self-employed contractors (freelancers who sell their goods and services as sole proprietorships) tend to use their advertised hourly rates as a way of referencing compensation, similar to wage-earners. Contractors’ payments are often hourly, daily, or weekly based. Since contractors do not have benefits, their pay rates are generally higher than the salaries of equivalent full time positions. However, rates in the real world are mainly supply-demand driven; it is not rare to see them take lower compensation when adjusted for the real world. On the other hand, some contractors with rare, special skills can charge ten or more times the normal going rate!

How Unadjusted and Adjusted Salaries are Calculated

Using a $10 hourly rate with inputs resulting in an average of eight hours worked each day and 260 working days a year (52 weeks multiplied by 5 working days a week), to find the annual unadjusted salary in order to convert to other periods, the calculation is as simple as:

The hourly rate is multiplied by the number of working days a year (unadjusted), and subsequently multiplied by a calculation of the number of hours in a working day based on inputs. The result is an unadjusted amount. On the other hand, the adjusted annual salary is:

Using 10 holidays and 15 paid vacation days in a year, subtract these days from the total number of working days a year.

All bi-weekly, semi-monthly, monthly, and quarterly figures are derived from these annual calculations. It is important to make the distinction between bi-weekly, which happens every two weeks, and semi-monthly, which occurs twice per month, usually on the fifteenth and final day of the month.

Different Pay Frequencies

The calculator contains options to select from several periods normally used to express salary amounts, but actual pay frequencies as mandated by varying countries, states, industries, and companies can and will differ. In U.S., there is no federal law that mandates pay frequency, except one stating that employees must be paid in routinely and predictable manners. However, at the state level, nearly every state has minimum pay frequency requirements 2 .

The most common pay frequencies are explained below.

How to Calculate Net Monthly Income, Bizfluent, monthly income calculator.#Monthly #income #calculator

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How to Calculate Net Monthly Income

Monthly income calculator

If you are an employee, your monthly net income is your take-home pay for the month, after deductions have been withheld. If you are a business, your monthly net income is your monthly earnings or profit. The calculations for both situations vary.

Items you will need

  • Pay stub
  • Cash flow statement

Employee Monthly Net

Figure your hours worked for the year. The calendar year has 2,080 hours. To determine your hours for the month, calculate as follows: 2,080 / 12 = 173.33 hours.

Figure monthly gross pay based on your salary. For instance, say your annual salary is $50,000. Calculate your gross monthly pay as follows: $50,000 / 12 pay periods = $4,166.67. Verify your gross monthly income by using a semi-monthly payroll, which occurs twice per month: $50,000 / 24 pay periods = $2,083.33 x 2 = $4,166.67.

Subtract monthly deductions from your gross monthly pay. This includes federal, state and FICA taxes, plus involuntary deductions such as health and retirement benefits. The result is your net monthly income.

Business Monthly Net

Determine the company’s monthly revenue–how much money it made for the month.

Subtract sales costs and all other expenses for the month to arrive at the before-tax amount. Check your cash flow statement for the total monthly revenue. Your cash flow statement should show all cash and cash equivalents coming into and exiting the business.

Subtract taxes to arrive at your monthly net income. For instance, say your gross monthly earnings amounted to $30,000. Your expenses were $10,000 and you paid $5,000 in income taxes–your net monthly income is $15,000.


About the Author

Grace Ferguson has been writing professionally since 2009. With 10 years of experience in employee benefits and payroll administration, Ferguson has written extensively on topics relating to employment and finance. A research writer as well, she has been published in The Sage Encyclopedia and Mission Bell Media.

Take-Home-Paycheck Calculator, monthly income calculator.#Monthly #income #calculator

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Take-Home-Paycheck Calculator

Use our Take Home Pay Calculator to estimate actual paycheck bring home after taxes and deductions from salary. Please note that it is mainly intended for use by U.S. residents. This calculator gives results based on both 2016 and 2017 tax brackets.

Monthly income calculator


In the US, income can take on two different forms: before- or after-tax (and deductions). While most people use the former in conversation and comparison, the more meaningful figure is after-tax, the amount actually disbursed for usage. Figures entered into ‘Your Annual Income (Salary)’ will be before-tax, otherwise known as gross pay.

Employers automatically withhold taxes and deductions from employees’ paychecks. However, independent contractors and self-employed individuals need to submit quarterly or yearly tax payments themselves.

Pay Frequency

There may be pay frequency requirements for certain states, and it is probably best to operate within those regulations. Federal and state laws also dictate that pay is to be released in predictable and routine streams. Pay periods have no effect on tax liability.

The most common methods of pay frequency are weekly, biweekly, semi-monthly, and monthly. It is important to make the distinction between bi-weekly and semi-monthly, even though they may seem similar at first glance. Bi-weekly is not schedule dependent of dates, but simply occurs every other week. Also, bi-weekly frequency will generate two more paychecks a year (26 compared to 24 for semi-monthly).

In general, employees like to be paid more frequently due to psychological factors and immediate use, and employers like to pay less frequently due to the costs associated with each individual released payment. Although employers generally dictate the terms regarding pay frequency, it is most likely in their best interest to mutually come to agreeable terms with their employees on what type of pay frequency is preferred within legal bounds.

File Status

The most common options will be “Single”, “Married Filing Jointly”, and “Head of Household”. The following are the definitions of IRS:

Single Not married, divorced, or legally separated according to state law.

Married Filing Jointly A married couple together filing a return together.

Married Filing Separately If a married couple decides to file returns separately, each of their filing status should generally be Married Filing Separately.

Head of Household Only applies to anyone not married and has paid more than half the cost of maintaining a home for themselves and a qualifying person.

Qualified Widow This filing status requires a dependent child, and allows for the retention of the benefits associated with the “Married Filing Jointly” status for two years after the year of the spouse’s death.

It is possible for someone to be able to claim more than one filing status. For instance, a “Single” person can also file as “Head of Household” or “Qualifying Widow” if the conditions are met. Given these options, it is possible for a taxpayer to evaluate their options and choose the filing status that results in the lesser amount of taxation.

Federal Allowances

The W-4 form is distributed to employees by employers to obtain information about how much in income tax to withhold from paychecks. Most people will be required to fill one out upon starting a new job, but remember to submit new ones if relevant personal or financial situations change. Generally, the more allowances claimed, the less tax will be withheld from each paycheck.

Single people with one job and no kids may claim 2 allowances, which allows more paycheck upfront, but will result in less in the future tax return. Taxpayers with dependents (usually in the form of children) can add one allowance for each. In the case of a married couple with one child, each parent may claim three allowances, four for two children, so on and so forth. Anyone classified as a dependent may claim 0 allowances on their W-4 form. Please be aware that paying too little tax upfront by using a high allowances number may cause IRS penalty in annual tax filing.

Regardless of the number of allowances claimed, the total tax paid for a certain year will not change, only when the tax is paid. Therefore, erratic spenders who want a strict method to control spending can consider claiming fewer allowances in order to withhold more in taxes for a smaller paycheck.

As an aside, tax on interest, investment return, bonuses, earnings from gambling, and commissions can also be withheld.

Monthly Deductions

This input should be the sum of any and all other additional deductions taken out of each paycheck before they are released. Examples of deductions that fit this category include, but are not limited to the employee share of the following:

Leeds launches income bond paying 4%, Press Releases, Leeds Building Society, monthly income bonds.#Monthly #income

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Leeds launches income bond paying 4%

Leeds Building Society has launched a long-term fixed rate monthly income bond paying a guaranteed return of 4%, which is eight times Bank of England Base Rate (BBR), for 10 years. The bond, from the UK s 5th largest building society, is specifically designed for those customers who are looking to boost their monthly income from savings.

Kim Rebecchi, Leeds Building Society Sales Marketing Director commented, We have looked at the savings market and, in this historically low interest rate environment where many customers are on fixed incomes, there is a need to generate an income from their savings. That is why we have launched this unique 10-Year Fixed Rate Monthly Income Bond that pays 4%. At the end of the product term, customers will have benefited from an income totalling 40% and still have all their capital.

Our research also showed that the retail savings market for a term of 5-years plus shows that there is 37bn* on deposit. Therefore, for the right product, customers are prepared to invest for a longer period.

The 10-Year Fixed Rate Monthly Income Bond has a minimum operating balance 10,000 per account and withdrawals are not permitted during the term.

Kim added, This product, which offers eight times BBR and almost double the current rate of inflation**, will appeal to those customers looking for a fixed monthly income over the term and the peace of mind associated with the capital guarantee.

For more information, customers can call into their local branch, visit the website at www.leedsbuildingsociety.co.uk or call the savings hotline, on 08450 540 995.

Key Features

10-Year Fixed Rate Monthly Income Bond – Available from Wednesday 20th November

  • 4.00% gross AER fixed until 31st December 2023.
  • Minimum Investment 10,000 per account.
  • Maximum investment is 1,000,000 ( 2,000,000 for joint accounts).
  • Monthly interest is paid on the last day of each month commencing 31st December 2013 and on maturity (31st December 2023).
  • Interest must be paid out or transferred to another account with the society.
  • No withdrawals are permitted at any time.
  • Available to open in branch and by post from Wednesday 20th November.


Leeds Building Society has 67 branches throughout the UK, Gibraltar and Ireland and assets of 10.8bn (as at 30 June 2013). The Society has operated from the centre of Leeds since 1886.

Premier Corporate Bond Monthly Income Fund, Investor, Premier Funds, monthly income bonds.#Monthly #income #bonds

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Premier Corporate Bond Monthly Income Fund

With effect from 18 August 2017, changes have been made to the Fund, including an update to the investment objective and policy. For more information about the changes made, please refer to the shareholder circular .

The aim of the Fund is to generate an above average level of monthly income.

The Premier Corporate Bond Monthly Income Fund is designed for investors whose main priority is to receive a regular, monthly income from an investment with a lower risk profile. The Fund achieves this by investing mainly in higher quality corporate bonds which can provide a balanced combination of income and stability and also produce returns that should outstrip inflation over time.

The past performance of an investment is not a guide to its future performance; the value of an investment and any income from it can go down as well as up. There is a risk that you could get back less than you invested. Find out more

The suitability descriptions above are for guidance only. We would always strongly recommend that investors consult with a financial adviser who can help assess risk profiles and the suitability of a fund. We are unable to provide individual investment advice or advise on the suitability of this Fund for individual investors.

Like to know more?

If you are interested in this Fund or would like any further information, please consult with your financial adviser in the first instance to ensure the fund is appropriate for you. If you require more information please email us.

Fund managers

Chun Lee

Investment Manager/Credit Strategist of fixed income funds

Paul Smith

Head of fixed income and absolute return investment team

Risk and other important information

When you invest, your money is at risk because the value of investments, and any income from them, can go down as well as up and you could get back less than you invested. The past performance of an investment is not a guide to how it will perform in the future. Because there are many different types of investment risk and investors have different attitudes to risk, we are not able to categorise our investments as having a specific level of risk. We would therefore strongly recommend that if you do not have professional experience in matters relating to investments, you should speak with a financial adviser before making an investment decision.

Premier Asset Management is not authorised to provide investment advice or tax advice. Before making an investment decision, it is also important that you read the key documentation for that investment which is available in the literature section of the website, by contacting a financial adviser or by getting in touch with us directly. See ‘Contact us’ for more information or if you are unsure. You can find more details about the specific risks and literature that are relevant to each type of investment on the individual fund, portfolio or investment trust website pages.


  • Monthly income bonds
  • Monthly income bonds
  • Monthly income bonds
  • Monthly income bonds
  • Monthly income bonds
  • Monthly income bonds

The methodology and calculations used by the companies or organisations that provide the fund or fund manager awards and ratings are not verified by Premier Asset Management and we therefore are unable to accept responsibility for their accuracy. Ratings and awards should not be relied upon for making an investment decision, nor are they an indication, promise or guarantee of future performance of a fund or fund manager.

Monthly income bonds

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‘Premier Asset Management’ and ‘Premier’ are the marketing names used to describe the group of companies which includes Premier Fund Managers Limited and Premier Portfolio Managers Limited, which are authorised and regulated by the Financial Conduct Authority of 25 the North Colonnade, Canary Wharf, London E14 5HS and are subsidiaries of Premier Asset Management Group plc.

The registered address of all companies is Eastgate Court, High Street, Guildford, GU1 3DE.

Premier Portfolio Managers Ltd is registered in England No. 1235867.

Premier Fund Managers Ltd is registered in England No. 2274227.

Premier Asset Management Group plc is registered in England No. 06306664.

Photographs are copyrighted © by Andrew Kime


This section of the website and the content it contains is for investors only. Professional advisers should refer to the Advisers site.

The content of the pages of this website is for your general information and use only. It, and the products and services described within it, are subject to change without notice. We shall not be liable to you, or any third party, for any amendment, modification, suspension or discontinuance of any product or service described on our website. Neither we, nor any third parties, provide any warranty or guarantee as to the accuracy, timeliness, performance, completeness or appropriateness of the information and materials made available on this website.

You acknowledge that such information may contain inaccuracies or errors and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by law. Your use of any information or materials is entirely at your own risk, for which we shall not be liable.

The information contained on this website does not constitute an offer or solicitation to sell shares in the funds or to provide you with other products or services. Any application or investment must only be made on the basis of the relevant documentation of the investment, such as, for example, prospectus, key investor information document (KIID), supplementary information document (SID) or terms and conditions. The information on this website does not constitute any investment, tax, legal or other advice. Persons who do not have professional experience in matters relating to investments should always consult with an independent financial adviser before making any investment decision. Any opinion expressed on individual funds, services or products represent the views of the individual at the time of preparation and should not be interpreted as a personal recommendation to buy or sell or otherwise trade all or any of the investments that may be referred to.

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Fixed Monthly Income Bonds, Basset – Gold, monthly income bonds.#Monthly #income #bonds

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Fixed Monthly Income Bonds | Basset Gold Plc

Monthly income bonds

Fixed Monthly Income Bonds – Basset Gold Plc

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Monthly income bonds

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Monthly income bonds

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Monthly income bonds

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Monthly income bonds

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Monthly income bonds

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Monthly income bonds

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Monthly income bonds

Fixed-rate Bonds: Best Investment Plan with Security for Regular Earning

Monthly income bonds

Fixed Income Bonds: Reduce your Risk of Losing Mone

Among the several types of funds available, most people invest in Fixed Income Bonds. They offer a guarantee of a monthly payment based on your investment. With an uncertain economy, Fixed Income Bonds offer you the assurance of returns.

Monthly Income Best Buys, Find the best rate, monthly income bonds.#Monthly #income #bonds

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Monthly Income

15th November 2017 12:15

Monthly income bonds

Monthly income bonds

Monthly income bonds

Monthly income bonds

Monthly income bonds

Fixed 5 Year Saver Account

3 Year Fixed Saver

2 Year Fixed Saver

1 Year Fixed Saver

120 Day Notice (Issue 7) savings account

Our Verdict

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Monthly Gross Interest Rate What’s This?

This is the initial rate paid, before any tax is deducted. The gross rate will include any bonus that applies at that moment, so it is important to also check the AER.

Call Moneyline on 0800 321 3581 to see if there are better rates available for you personally Why?

More suitable accounts may be available based on your age, postcode, whom you currently bank with and if you are happy to open or access your money just in the institution s branch.

Also we rarely show accounts in our best buy tables that require deposits of 25,000 or more as this only applies to a small percentage of savers, in fact only 2% have more than 85,000 in savings (source FSCS).

AER What’s This?

This stands for Annual Equivalent Rate and is supposed to help you to compare different savings accounts.

Minimum Deposit

For the best rates on deposits over £100,000 call 0800 321 3581.

So confident are we that we can improve your savings situation that we will donate 50 to a charity of your choice if we can t. Click here to find out more



No access within the term. On maturity, the account is transferred to the Easy Saver Account, currently paying 0.80%. Interest is paid annually or monthly.

It is worth noting that deposits held with Ikano Bank are covered up to the value of £85,000 by the Swedish Deposit Insurance Scheme, which is the Swedish equivalent of the UK Financial Services Compensation Scheme (FSCS). For more information on this, please call one of our advisers.

No access within the term. Account is applied for through the provider’s app, available in the Apple App store or Google Play store. Interest is paid annually or monthly.

No access within the term. Account is applied for through the provider’s app, available in the Apple App store or Google Play store. Interest is paid annually or monthly.

No access within the term. Account is applied for through the provider’s app, available in the Apple App store or Google Play store. Interest is paid annually or monthly.

Withdrawals are subject to 120 days’ notice only, no earlier access is allowed. Interest is paid annually or monthly.

Financial Services Compensation Scheme What’s This?

The Financial Services Compensation Scheme currently protects you up to 85,000 per person, per banking licence (Please note many providers share banking licences). Discover more in our FSCS Licence Information Guide

If you want to ensure your savings are fully protected now and in the future, whilst getting the best rates of interest, our Concierge Managed Savings Service can help you.

How to Invest for a Monthly Income, monthly income investments.#Monthly #income #investments

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How to Invest for a Monthly Income

A big part of investing your money is determining what your investment objectives are. Until you know what you need to get out of your investments, it will be difficult to choose the right investments for your needs. If your investment objective is current monthly income, you have a number of choices available. The right choice for you will depend on a number of factors, including the amount of risk you are willing to take and how much monthly income you need.

Determine how much monthly income you need to generate from your investments. Add up all your sources of income, including pensions, Social Security and other guaranteed payments. Then compare that figure to the amount of money you need to live comfortably.

Calculate the percentage you need to generate from your portfolio to reach your monthly income goals. For instance, if you have a portfolio of $100,000 and you need to generate $200 a month, you would need an annual return of 2.4 percent to meet that goal. To calculate the interest rate you need, first annualize the $200 a month figure by multiplying it by 12 to get $2,400. Then divide the $2,400 by $100,000. That gives you a figure of 0.024. Multiply that figure by 100 to put it in percentage terms. That gives you a figure of 2.4.

Contact your bank and ask about the CD rates it has available. Certificates of deposit are excellent vehicles for generating monthly income, since they are insured by the FDIC up to $250,000. That means there is no risk to your principal, and you can collect the interest on a monthly basis if you wish.

Look for mutual funds made up of dividend-paying stocks if you need to generate more income than CDs will provide. Stocks do carry more risk, but sticking to blue chip companies and using a quality mutual fund can reduce the risk somewhat. A mutual fund holds many different stocks, in this case all stocks that pay dividends. The dividends generated by the fund are passed on to the account holders in the form of monthly payments.

Contact several mutual fund companies and ask for a prospectus on their dividend stock funds. Review the prospectus carefully, noting the performance of the fund, the current dividend yield and the costs associated with the fund. The prospectus lists important information about the fund, including the dividend yield (the amount the fund generates) as well as the total return it has achieved. The total return reflects both the dividend yield and any appreciation in the price of the stocks in the fund.