The SNOWBALL earned income of £13,160. This is currently being re-invested but if you spent your dividends that equates to a yield of around 13%.

The equivalent sum for an annuity would be around 7% and you have to surrender all your capital.

The comparator share VWRP using the 4% rule would provide income of £6,873. The gap will continue to grow as the earned dividends are re-invested.