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As I said, I haven't done it yet. To repeat my earlier guess, I suspect that it will affect the safe withdrawal rate marginally, but not a lot. But that's just a guess.

Well, mathematically and theoretically, it would almost have to improve the safe withdrawal rates (as you are relaxing restrictions from your optimization problem). I would agree that the degree of improvement would probably not be all that great.

I am more than happy to let you do the heavy lifting though.

Cheers,
soui
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