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I'm relatively risk averse, so if I chose a consistent percentage across my full capital I'd be picking 3%. However, that runs the "risk" of under-spending if my investments do reasonably well. There's a floor I don't want to fall under, but if I'm above that floor then I'm happier to take on...

I'm thinking current value.

Hi all, I'm considering a withdrawal strategy where I withdraw a low(ish) percentage up to a certain figure, and a higher percentage for amounts over that. For example, 3% on savings up to 1 million, and 4% or 5% on any amounts over that. My thinking is that I can live on the reasonably...