A great plan has an end destination, which is impossible with a TR strategy as you are a hostage to the fate of the markets.

The choices for the end destination for your plan.

Buy an annuity. We have discussed that option on the blog and is the least favoured end destination.

Use the 4% rule, the latest research stated it would be better to use a withdrawal rate of 3.5% but we will use 4% as the comparison.

The current fcast for the Snowball is £9,120.00

The TR control share is VWRP and the current ‘pension’ using the 4 rule would be £5,188.00

With compounding it’s likely the gap will continue to widen.