Because it is a fixed investment, the net value of the fund purchased every month is different, so the share held every month is different, and the final income obtained by choosing "cash dividend" or "dividend-to-investment" is different. If you want to estimate this figure now, you can't work it out by consulting an actuary. At most, I can have a vague idea of the minimum income in the future. At this time, I don't understand. Why ask a question that can only be known later? I still need specific figures, and I can't give them at all ~!
Either the actuary is bluffing you, or he (she) thinks the lowest return figure given by the fund company, so don't ask, who knows what will happen in the future.