I can see the similarities with guardrails and dynamic withdrawal strategies. It would be interesting to see some simulations of how well these perform and compare with the 4% rule and your variation above. But one concern I have with all of these strategies is that they typically only adjust...
but I’ve always been fairly conservative when it comes to investing. It took a lot for me to make the plunge from savings accounts/CDs to index funds. I like your thoughts on targeting the 4%, instead of waiting for a 3% withdrawal rate. You can always adapt and be flexible with you...