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The Ratcheting Safe Withdrawal Rate: A More Dominant 4% Rule to Create an Income-With-Upside Spending Floor from a Portfolio?
Michael Kitces in Nerd's Eye View 
June 3, 2015
"[A] relatively simple ratchet-style approach, where spending is increased by 10% any time the portfolio rises more than 50% above its starting value, can 'dominate' the traditional 4% rule, generating equivalent or better retirement spending in all scenarios, even while being conservative enough to not require a spending cut in the event of a market pullback in the future."
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