The SNOWBALL has a comparator share VWRP where if 100k had been invested in the ETF at the same time as the start of the SNOWBALL, the value would be £155,414, not too shabby.

The value of the SNOWBALL’s dividends are the only thing that is tracked as the intention is never to sell any of the SNOWBALL’s shares and live on the natural income. Remember to leave some of your capital to the local cat and dogs home.

The comparison is what ‘pension’ you could receive, we have already ruled out an annuity, although if you a pension pot of 1 million, you could take out an annuity and concentrate on spending your income. But for lesser mortals the comparison is using the 4% rule, although some research states that 3% would be better and then hope you don’t run out of money.

The latest figures for a pension would be

The SNOWBALL 10k

VWRP, let’s be generous and use the 4% rule £6,200

The gap should continue to grow, especially when the next market crash occurs.