AS Brokers – Everest Income Products Comparison Calculator
Compare the two Everest income products side by side to see which suits your needs.
Summary
Compare Everest Income Products
Choose the income structure that fits your retirement needs
Everest offers two fixed-income investment options because retirement income planning is not one-size-fits-all.
The difference between these products is not complexity or risk — it is when income and value are delivered.
This calculator allows you to compare the two approaches side by side using your own figures, so you can choose the structure that best matches your income requirements and time horizon.
Why There Are Two Income Options
Some retirees need higher income immediately and value certainty from day one.
Others can accept slightly lower initial income in exchange for stronger long-term value.
Everest deliberately designed two income products to serve these different needs:
Everest 12.8 Plus – focused on long-term value
- Consistent income
- A value enhancement applied every five years
- Rewards patience and longer planning horizons
Everest 14.2 – focused on higher income from the start
- Higher monthly income immediately
- No reliance on future bonuses
- Designed for retirees who need income now
Neither option is "better" in isolation.
The right choice depends on your income timing requirements, not on chasing the highest headline percentage.
How to Use the Calculator
Use the calculator above to:
- Enter your investment amount
- Compare projected monthly income
- View total income over the investment term
- See how timing and structure affect overall outcomes
The goal is not to promote one product over the other — it is to match the right structure to your personal income needs.
How to Interpret the Results
Small percentage differences can translate into meaningful changes over a five-year term.
What matters most is not which option produces the largest number on paper, but which one aligns with:
- your current income requirements
- your lifestyle expectations
- your planning horizon
Needing higher income now is not a mistake.
Prioritising long-term value is also not a mistake.
The calculator helps you understand how the numbers behave — the decision should always be made in context.
Important Context
These income products form part of a broader retirement strategy.
Factors such as your tax position, other income sources, dependants, and estate planning objectives can materially affect which option is more suitable.
A calculator provides clarity.
A conversation provides alignment.
Take the Next Step
If you would like help interpreting the results or confirming which income structure is appropriate for your circumstances, request a review below.
We'll help you:
- confirm suitability
- align the calculator results with your broader retirement plan
- ensure your chosen structure supports both income needs and long-term objectives