The SNOWBALL has a comparator share, that is if 100k was invested in VWRP on the start date for the SNOWBALL 09/09/22.

VWRP is TR, where the intention would be to use the 4% rule.

The SNOWBALL only buys shares to earn dividends to buy more shares until drawdown is entered and the dividends would be used to fund your retirement.

Let’s assume the current up leg is over for VWRP but there could still be one more leg and the share moves sideways for 2 years as in the graph above.

Current value of VWRP £167,812

Using the 4% rule, ignoring the need for a buffer fund of 3 years cash, income of

£6,712.

The SNOWBALL current fcast income of 11k plus this year and 11,261k next year.

If we leap forward 2 years and VWRP has gone sideways the income comparison would be

VWRP £6,712.00

The SNOWBALL £12,930.00

To earn income of 13k VWRP would have to be valued, using the 4% rule,

at £325k. GL with that. The longer that compound interest has to work its magic the greater the gap will be.