Hi Vitalli If you want to increase 2% annually but want to do the increase monthly ( it will end up being a compounded rate I think) .02 x 1/12 or ( .083333 ) = .0016666 So PC x 1.0016666 monthly I think Clive's # gets rid of the compounding effect. But why complicate things? If you build up that much cash, use it as an opportunity to diversify and start another AIM account. Toofuzzy