Strategy "Fixed" (Bengen / 4% rule)

The classic Bengen strategy from 1994: in the first withdrawal year, a certain percentage of wealth is withdrawn (e.g. 4%). This withdrawal then stays constant in real terms — adjusted for inflation every year, but otherwise unchanged.

In FireLotse, the initial withdrawal is your planned gross need from the Retirement view (incl. health insurance + taxes). The strategy takes this value and withdraws it again every year — regardless of whether your wealth is currently doing well or badly.