The Snowball has a comparison share VWRP, with the same starting date of the Snowball, current value £152,766.00

Not too shabby performance, so although the ETF pays a dividend, VWRP is an accumulation Trust but the dividend is minimal but could be an option for part of your portfolio when the market sells off.

The current comparison.

VWRP using the 4% rule would provide a ‘pension’ of £6,110

The Snowball returned income for 2025 of £11,914.00 and the 2026 target is 10k.