The SNOWBALL has a comparator share VWRP, where 100k was nominally invested on the same day as the SNOWBALL started. The comparison being what you would receive if instead of having your own Snowball, you decided to retire using the 4% rule or to buy an annuity.

Current value of VWRP £171,792, not too shabby.

An annuity is a huge gamble with your retirement plans as there is no way of knowing what interest rates will be when you retire.

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.

Current annuity on £171,792 > £12,025 but you have to surrender all your capital, so not an option for the blog.

Using the 4% rule a ‘pension’ of £6,871.00.

The SNOWBALL will earn income of 12% this year on seed capital > 12k.

If we now jump forward ten years, the SNOWBALL will have income of 24% on seed capital, hopefully in less than ten years.

VWRP would need an equivalent value of £600k. GL with that, if that’s your plan.