Confidently Project your Financial Future

The future is uncertain. In light of recent events, the possibility of accessing superannuation now to meet essential payments during and after the pandemic comes at a cost of reducing future spending levels.

What is the impact of withdrawing up to $20,000?

mProjections can help project the likelihood of the impact of taking funds out now from longer term Super benefits.

Why should you care?

The pandemic has laid bare the challenges of unstable employment on our lifestyle and choices. The Australian government’s early release super scheme can provide vital short-term assistance for members, but this comes at the cost of reducing long term superannuation outcomes

Younger members and women are most vulnerable, with some startling statistics showing that:
  • Members aged 25-39 are left with a median balance of $3,609 (68% decrease) after withdrawing funds from their super,
  • A high proportion of young women have decreased their balance by about 60-78% and women aged 55+ years old are the fastest-growing group of people experiencing homelessness, and
  • A statistic that in our opinion ‘that you could lose $120,000 in Super at retirement’ is misleading and far too high.

How We Can help you

easy to use

At a click of a button, forecast long-term super financial outcomes.

Projection of variable outcomes

mProjections is developed by a team specialised in investment portfolio modelling.

peace of mind for the future

View the report and have more confidence in your financial future.

Our projections assess the impact by taking into account the factors that our regulatory authorities require, eg inflation, and spread the impact over fortnightly payments in retirement for 25 years. If a person is considering accessing their super, we provide an analysis that shows the real cost. Not a misleading cost such as $120,000 that some industry observers have talked about.

Act now by investing $19.95 including GST to buy a 12 month subscription that gives you a Report and access to on-going updates such as:

The enhancements that we anticipate delivering in the 12 months of your subscription include: 

• Out of workforce (including being unemployed now)
• Optional access to asset allocation of fund, e.g. by your SMSFs accountant or super fund manager
• More asset classes and asset allocation discussion
• Retirement report
• Goal-directed investments with education as one of the goals.

Super Report Features

project retirement Fund size

(in today's dollars) before and after super withdrawal

forecast superannuation payments

Fortnightly and annual payments to be accessed in retirement from Superannuation (in today's dollars) before and after withdrawal

Model financial outcomes for up to 2 people

The Report allows for any age difference.

Calculate Retirement cash flow from different investment options

Compare forecasts

We have created a financial model that provides a confidential report on the impacts of early super release based on current superannuation fund size, employer’s contribution, age, and asset allocation.


It assesses the costs of before and after withdrawing between $1,000 to $20,000 ($40,000 for 2 persons) from super on the four features above. 

We provide a comprehensive outline of our assumptions and modelling.  Find out the effects of accessing super to help decisions now.