Strategy guide
ProjectFi models the choices you make. Each guide below explains what one strategy field actually does in the engine, when someone might pick it, and the honest trade-offs. None of these are recommendations.
Accumulation
Strategies that shape what happens to your money during the working years.
Where surplus cashflow goes
How the engine routes the cash left over each year after expenses and required mortgage payments.
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Savings allocation profile: automate the inside vs outside super split
Choose between manual contribution control or one of three automated patterns that route working-year cashflow between super and non-super.
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Transition
Strategies that shape the bridge from your last day of work to the day super becomes accessible.
Bridge strategy: how you fund the gap before super unlocks
How the engine treats the years between FIRE and preservation age. Four shapes, each routed differently through the income and tax model.
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Transition to Retirement (TTR) pension
Drawing tax-favoured income from super while still working past preservation age, often paired with salary sacrifice.
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Pre-retirement super consolidation
Whether to route non-super investments into super in the years before you retire.
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Mortgage at retirement
What the engine does with any remaining home loan when you stop working.
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Drawdown
Strategies that shape how money flows out of your portfolio during retirement.
Withdrawal method (drawdown rate)
How the engine sizes your annual drawdown once you stop working.
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Drawdown order: which pot comes first
Whether the engine drains non-super or super first during retirement.
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When super minimum drawdowns exceed your spending
What happens to the surplus when the legal super minimum drawdown is more than your annual expenses.
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