Design a personalized portfolio withdrawal strategy that adapts the original Bengen 4 percent rule to 2026 valuation, inflation, and longevity realities using guardrails, bucket strategies, and variable-percentage withdrawal frameworks.
## CONTEXT The 4 percent rule was never intended as a literal instruction manual. William Bengen's 1994 paper and the 1998 Trinity Study showed that a 4 percent initial withdrawal, adjusted annually for inflation, survived every rolling 30-year retirement period in the historical US data set when applied to a 50 to…
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