Strategy "Dynamic withdrawal" (fixed percentage)

With dynamic withdrawal, you withdraw the same percentage of your current wealth every year — not the same euro amount. If the markets do well, your budget rises automatically; after a crash it falls by the same proportion.

In FireLotse the percentage is your starting rate: your planned gross need (incl. health insurance + taxes) divided by your wealth at the start of the full withdrawal phase. The rate stays fixed; the euro amount follows your wealth.