The SNOWBALL has a comparison share VWRP to compare the income from the SNOWBALL versus the income if your plan is to use the 4% RULE.

The latest value of VWRP £166,661, very strong performance, the gamble is when will it stop performing ?

The income from the SNOWBALL will £11,000 and the VWRP comparison is £6,667

If you roll forward to a retirement date in ten years, the SNOWBALL will provide income of around £22,000 and to earn income from a TR portfolio the total would need to be £550,000. GL with that.

Not advice so DYOR, when you have a reliable income stream you could squirrel away some money in a TR portfolio to provide a fund if you intend to withdraw your tax free amount, subject to the tax laws when you retire.

Or add new funds and continue to grow your SNOWBALL and sleep soundly at night. Read the recent post on LWDB.