A plan needs to have an end destination, otherwise it’s not much of a plan.

The Snowballs preferred end destination, ranked in order.

1. A dividend re-investment plan, then live off the dividend stream for your ‘pension’.

2. A TR plan and use a gilt/treasury ladder for income.

3. A mixture of 1/2.

4. A TR plan and use the 4% rule for income.

5. A TR plan and buy an annuity.

That’s my preferred options for the Snowball, just as your Snowball should be different so should your preferred options.