The current fcast for the Snowball is £9,120 and the target 10k.

The other two retirement options are

One. A TR plan to buy an annuity

Two. A TR plan to use the 4% rule.

Option one has been dismissed as you have to surrender all your hard earned and the rate you receive on your retirement date is the big unknown.

The current comparison share for the Snowball is VWRP current value £126,822.00

We will use the 4% rate, although recent studies state this figure may be too high, an income of £5,072.00

If we project both figures by a compound growth of 7% for ten years the comparison would be.

The Snowball income of £18,240.00

VWRP £10,144.00