- FeaturesFeaturesHow it WorksUnderstand the MaxiFi features that help you build your lifetime planRoth Conversion OptimizerMaxiFi helps you optimize conversions and reduce taxesUse CasesHow can you put MaxiFi to use?Life Insurance Contingency PlanningGet peace of mind from life insurance recommendations tailored for youLiving Standard Monte CarloManage your living standard risk with confidence
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Manage Your Living Standard Risk
MaxiFi’s powerful Living Standard Monte Carlo® tools — Upside Investing and Full Risk Investing — help you manage your living standard risk with confidence.
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What is Monte Carlo Analysis and How Does it Work?
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Any financial plan involves risk.
How will stocks, bonds, and other investments perform? What if you change careers, retire early, or move to a different State? How will that impact your family’s living standard now and in the future?
A Monte Carlo analysis helps you understand these risks by modelling different outcomes, running simulations multiple times with varying market returns, and analysing the distribution of the results.
How is MaxiFi Monte Carlo Different from Conventional Monte Carlo?
Conventional financial tools use Monte Carlo simulations with generic spending targets that don’t change, even if they show you running out of money. This makes aggressive investing — including in managed funds with high fees — look good because riskier but higher yield plans have a smaller chance of failure.
MaxiFi’s Living Standard Monte Carlo is dynamic, personalized, and focused on helping you understand risks to your living standard so you can make smart decisions for your family’s future.
Conventional Monte Carlo
Uses ‘Rules of Thumb’
Uses a limited model, sometimes only assets
Static analysis that doesn’t adapt to how you would really spend
Tells you the % chance that you go broke but not what you can do about it
MaxiFi's Economics-Based Approach
Based on your specific family circumstances and data
Uses your complete financial model
Dynamically adjusts your spending based on market conditions
Focuses on risk to your living standard, showing a range of outcomes so you can understand and adjust your model
How Does MaxiFi’s Smarter Monte Carlo Work?
MaxiFi’s Living Standard Monte Carlo® is based on your investing strategy and dynamic spending behavior, not rules of thumb.
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Smarter Trajectories
MaxiFi adjusts your annual spending based on past investment returns, asset levels, and spending preferences. Its simulation tools help you explore strategies that balance risk and reward using Upside or Full Risk Investing modes.
Upside Investing:
More Certainty for the Risk Averse
Upside Investing treats stocks as high-risk assets and sets a safe baseline for your living standard. MaxiFi won’t spend stock gains until they’re secured, helping you balance risk and reward while protecting your minimum lifestyle in retirement.
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Full Risk Investing:
Find the Right Balance for You
Full Risk Investing models how your spending changes with market performance. MaxiFi simulates hundreds of return paths, showing both upside and downside risk, so you can choose a strategy that balances growth potential with living standard stability.