vs Treasuries — How Does It Compare?
Enter your investment details to see how MORE's distribution yield stacks up against UK gilts and an ordinary savings account over your chosen time horizon. The comparison is built on effective yield — the return measured against the price you actually pay — not just the headline rate, so it reflects a realistic entry today.
Seeing the income difference in pound terms is the clearest way to weigh the extra yield against the extra risk these instruments carry. What effective yield means →
Investment Details
Weekly compounding: 12.7341% APY (+5.2 bps vs monthly)
Benchmark Rates
Adjust these rates to reflect current market conditions for an accurate comparison.
Advantage over UK Gilts
End of Period Comparison — 5 Year Projection
MORE
Final Value
£18,209
Total Gain
+£8,209
vs Bank Savings
+£7,955 more
UK Gilts (~ 5%)
Final Value
£12,834
Total Gain
+£2,834
vs Bank Savings
+£2,580 more
High-Yield Savings (~ 4.2%)
Final Value
£12,332
Total Gain
+£2,332
vs Bank Savings
+£2,079 more
Bank Savings (~ 0.5%)
Final Value
£10,253
Total Gain
+£253
| Asset | Final Value | Total Gain | vs Bank Savings |
|---|---|---|---|
| MORE | £18,209 | +£8,209 | +£7,955 more |
| UK Gilts (~ 5%) | £12,834 | +£2,834 | +£2,580 more |
| High-Yield Savings (~ 4.2%) | £12,332 | +£2,332 | +£2,079 more |
| Bank Savings (~ 0.5%) | £10,253 | +£253 | — |
Monthly Income Comparison
Monthly cash income at start vs end of 5 years — grows as 100% reinvestment compounds the portfolio.
MORE — 12.0%
Start
£100/mo
End of 5 Years
£182/mo
UK Gilts — 5.0%
Start
£42/mo
End of 5 Years
£53/mo
+£129/mo more with MORE by end
High-Yield / ISA — 4.2%
Start
£35/mo
End of 5 Years
£43/mo
+£139/mo more with MORE by end
Bank Savings — 0.5%
Start
£4/mo
End of 5 Years
£4/mo
+£178/mo more with MORE by end
Over 5 Years, MORE delivers £5,375 more than UK Gilts and £7,955 more than a standard bank account — on the same £10,000 investment.
By end of 5 Years, monthly income grows to £182/month with MORE — vs £53/month from Gilts and £4/month from a bank account.
MORE vs Bank
+77.6% more
MORE vs High-Yield
+47.7% more
MORE vs Gilts
+41.9% more
Projections are illustrative only and do not constitute financial advice. Past performance is not a guarantee of future results. Benchmark rates are user-defined and should be verified against current market rates.
Important Disclaimer
Digital Credit Yield is not a financial advisor. All content is provided for educational and research purposes only. Nothing on this site constitutes financial advice, investment advice, or a solicitation to buy or sell any financial instrument. Always consult a qualified financial adviser before making investment decisions.