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总结
英国理财专栏讨论，单靠约25万英镑的股票与基金ISA账户通常难以“替代工资”，因为要稳定获得接近薪资水平的月度现金流往往需要更高本金或更高股息率，而这会带来更大的波动与回撤风险。文章以每月股息收入目标为例，提示投资者应基于可持续收益率、分红不确定性与市场周期测算所需账户规模，并利用ISA的免税属性提升净回报；同时强调通过分散配置、长期定投与再投资积累，ISA更可能在退休阶段形成可靠的补充收入，改善养老现金流与财务安全。
正文
Why a £250K ISA won't replace your salary - but could still transform your retirement Fool UK Want to earn £1k each month in dividends from an ISA? Here's how Fool UK How big does an ISA need to be to generate a £100k second income? Yahoo Finance UK How much do you need in an ISA for £1,618 of monthly passive income? MSN Stocks and Shares ISA vs Cash ISA: how much to target a £10,000 passive income? Fool UK
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