> ## Documentation Index
> Fetch the complete documentation index at: https://docs.zyf.ai/llms.txt
> Use this file to discover all available pages before exploring further.

# Choosing a strategy

You pick one strategy per asset. It decides which pools the Agent may use, and how fast you can leave. All three use the same Safe, the same Session Key enforcement, and the same six rebalance checks.

Target ranges below are native return, averaged across market cycles, **excluding incentives** such as rZFI. They are not a promise of the next month's APY. Live returns and risk are on the [Strategy Fact Sheet](https://www.zyf.ai/performance-detail).

| Strategy | Target native return | Withdrawals | What it adds |
| - | - | - | - |
| Conservative | 5–8% | Instant | The most liquid, oldest pools. USDC only. No collateral swaps, no principal tokens, no leverage or looping. |
| Aggressive | 8–14% | Instant | Conservative pools, plus higher-yielding pools, riskier collateral, and principal tokens. |
| Yield Maxxing | 10–18% | Within 72 hours | Aggressive pools, plus async vaults (ERC-7540). Exiting those vaults goes through a queue. |

Thresholds for protocol age, TVL, backing, and depeg history are in the [Risk Framework](/docs/product/overview/risk-framework#strategy-tiers). How the Agent behaves once a strategy is selected is on [Yield Strategies](/docs/product/intelligence/strategies).

### How to choose

* **Conservative** is the capital-preservation tier. The whitelist is the narrowest. Lending markets of one stable against another, priced with a fixed oracle, are not included.
* **Aggressive** accepts more yield variance for a higher target, including those stable/stable markets. The same checks still have to pass.
* **Yield Maxxing** is the only tier with delayed withdrawals. Count on up to 72 hours to clear an async vault, not an instant exit. It can also use the stable/stable markets Aggressive uses.

A pool is re-scored from the collateral it actually holds. If that score falls below the strategy, it is flagged as drift. The share rules are in [What we monitor](/docs/product/depositors/what-we-monitor).

You can change strategy from the [customization page](https://www.zyf.ai/customization). Changing it changes the whitelist. It does not bypass the checks.

### What these strategies are not

They do not open a leverage or looping position that you size yourself. Conservative forbids leverage and looping. They do not turn the account into a trading app. Swaps that do happen are described in [Your position](/docs/product/depositors/position).

Next: [Your position](/docs/product/depositors/position).


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