
If instead of starting the Snowball with Investment Trusts the cash was used to buy VWRP, an accumulation world tracker, today the 100k would be valued at 132k and would buy an annuity of around 9.2k.
The Snowball’s fcast for 2025 is £9,120.00 similar to VWRP but with a lot less risk, also you would retain your cash to pass on to your nearest and dearest. I’ll use VWRP as the control share and update as next year unwinds.

Remember, when you want to enter your de-accumulation stage annuities may have fallen.
Canada Life figures show the 65-year-old with a £100,000 pension pot could buy an annuity linked to the retail price index (RPI) that would generate a starting annual income of £3,896. That’s up from £2,195 in the New Year following a 77% spike in rates this year.
Oct 22
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