There are only two.

Buy Investment Trusts that pay a dividend and re-invest those dividends to buy more Investment Trusts that pay a dividend.

Any Trust that drastically changes their dividend policy must be sold, even at a loss.

All blog purchases include a charge of ten pounds and a sale of five pounds.

(AJ Bell recent change to charges)

Stick to your plan thru thick and thin, there will be plenty of thin.

The current plan is to have a Snowball of between 14-16k after ten years,

those lucky enough to have longer before they retire can expect a bigger Snowball.

The plan’s fcast is based on the calendar year, where the current fcast is 8k and a target of 9k. (2023 £9.422,00)

Using the current tax year, which is a snapshot of the last 12 months

the figure will be £11,072.00. Well ahead of the target in the plan but it’s too early in the year to change the fcast.

An comparable annuity would be 7k and u would have to donate all your

capital to a pension provider.

Income earned this year £3,139.00, do not scale by 4 to arrive at figure

for the year.