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

Partially live

How the engine routes the cash left over each year after expenses and required mortgage payments.

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Transition

Strategies that shape the bridge from your last day of work to the day super becomes accessible.

Pre-retirement super consolidation

Engine-live

Whether to route non-super investments into super in the years before you retire.

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Mortgage at retirement

Partially live

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)

Partially live

How the engine sizes your annual drawdown once you stop working.

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Drawdown order: which pot comes first

Engine-live

Whether the engine drains non-super or super first during retirement.

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When super minimum drawdowns exceed your spending

Engine-live

What happens to the surplus when the legal super minimum drawdown is more than your annual expenses.

Read guide