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I analyzed three scenarios with this permanent portfolio strategy:

Withdraw = 0.0001/day, borrow = 0; buffer = 0.05;

Withdraw = 0, borrow = 0, buffer = 0;

Withdraw = 0, borrow = 0.0001/day; buffer = 0.05;

In my opinion, it is wiser to regularly borrow a tiny amount of money and make it work than to withdraw the same amount of money.

Correct me if I am wrong.

QC

Pictures attached to the previous post for some reason did not appear.

Sorry Vlad we're aware of that bug will fix it Mon-Tuesday. Hard push this last week to deploy the market so a few things slipped.

"In my opinion, it is wiser to regularly borrow a tiny amount of money and make it work than to withdraw the same amount of money."

That may well be, but the study I mentioned specifically researched the sustainability of retirement plans, based on the withdrawal of a certain percentage - and that is what I want to backtest. 

The one important variable is missing in this discussion.
The age of retirement plan participant.

If the age of retirement plan participant less than 50 he can make the contribution
to traditional IRA $6000/year.
If the age of retirement plan participant between 50 and 72 he can make the contribution
to traditional IRA $7000/year.

After age 72 retirement plan participant can not make the contribution to traditional IRA
but has to withdraw annually required minimum distribution (RMD)

RMD = Account Balance / Life Expectancy Factor (around 4% at age 72)

So to increase the RMD retirement plan participant has to make Account Balance
at the age of 72 as it is possible big by contributing and not withdrawing.

After the age of 72 retirement plan participant  must just follow the IRS rules.

Once  again, thanks for the contribution Vladimir - but you are missing the point. I am mostly interested in how a withdrawal plan can be implemented based on the algorithm in the initial post.  

Filib Uster ,

I think Derek Melchin answered your question here, you just need to put real RMD
figures in dollars based on life expectancy ratio and account balance from links in my post above.