Savvly | The Longevity Benefit

The Structural Gap

Longer lives demand a new kind of financial product.

401(k)s, IRAs, and Social Security were all designed decades ago, when the average life expectancy was far shorter. Now we're routinely living into our 90s, and the financial system hasn't caught up.

That gap, between when savings may run out and when life ends, is real, measurable, and addressable with the right structure. Savvly was built specifically to fill it.

The Mechanism

S&P 500 fund + Longevity Bonus. When investors exit early, their unused contributions may be reallocated to those who stay.

54%

Of Americans 55+ have retirement savings far below recommended benchmarks

GOBankingRates Survey, 2023

85+

The fastest-growing segment of the U.S. older population

Population Reference Bureau, U.S. Census Bureau data

30yr

Potential retirement duration for today's 65-year-olds; most plans assume 15-20

Social Security Administration life expectancy tables, 2024

39%

Of working households projected to fall short of maintaining their pre-retirement standard of living

Center for Retirement Research at Boston College, 2024

How It Works

Three steps. A structure that can offer potential long-term benefits.

Savvly's Longevity Benefit is a registered investment structure, not insurance. The mechanism is simple and transparent.

Step 01

Contribute & Pool

Your contributions go into a S&P 500 index fund alongside other investors. Low-cost. Market-driven. Transparent.

Funds using low-cost S&P 500 ETFs managed by Vanguard and Fidelity

Step 02

Market Growth + Reallocation

Your contributions track the S&P 500 and may grow over time, depending on market performance. When others exit the fund early, their uncollected growth may be reallocated to remaining investors, potentially increasing the fund available at each milestone age.

Exit Rule applies. Review the fund prospectus for full breakdown.

Step 03

Potential Cash at 80, 85, 90, 95

At each milestone age, you may receive a structured cash payout. Remaining in the investment longer can, depending on market performance, fees, and investor behavior, improve potential future returns.

Hypothetical only. Results may vary. Payouts are potential, not guaranteed.

Why Savvly

Not an annuity. Not insurance. Something structurally different.

Feature	Traditional Annuity	401(k) / IRA	Longevity Benefit
Potential post-80 income	✓ Yes	~ Maybe	✓ Yes
Market growth participation	✗ Limited	✓ Full	✓ S&P 500 + Longevity Bonus
Longevity bonus	✗ No	✗ No	✓ Built in
Exit flexibility	✗ Often no	✓ Yes	✓ Exit Rule
Tax treatment	Ordinary income	Ordinary income	Generally taxed as a qualified account
SEC-registered	✗ Insurance	N/A	✓ Yes

Comparison reflects general structural differences only and is provided for illustrative purposes. Features, terms, and potential outcomes may vary. Savvly's Longevity Benefit is an SEC-registered investment structure. Post-80 income payouts are potential outcomes based on fund participation, market performance, contribution amounts, investor behavior, and actual fund results - they are not guaranteed. Investment involves risk, including possible loss of principal. Tax treatment for the Longevity Benefit is generally as a qualified account; payouts may potentially receive long-term capital gains treatment depending on fund structure and individual circumstances. This is based on current tax law and may be subject to change. This comparison does not constitute investment, tax, or legal advice. Consult a qualified financial advisor before making investment decisions.

Who It's For

You are responsible for the financial well-being of others. This was made for you.

For Employers

HR Teams & Benefits Leaders

A cost-efficient benefit that can boost retention, financial wellbeing, and talent differentiation. Live in under a week, no discrimination testing.

Can cover the retirement gap most products don't.

No discrimination testing required

Payroll-integrated, live in under 1 week

For Employers

For Benefit Brokers

Benefit Brokers & Consultants

Differentiate your offerings with the first benefit of its kind. No direct competitors. Adds a high-value new revenue stream with no disruption to existing plans.

First-of-its-kind benefit category

Stacks with 401(k), HSA, group insurance

Employer live in under a week

For Brokers

For Financial Advisors

RIAs & Financial Advisors

Help clients build financial confidence. A 10% allocation may add meaningful longevity protection without replacing anything.

10% allocation - additive, not disruptive

Potential improvement in longevity-focused outcomes in later life

Transparent S&P 500 structure

For Advisors

We're reinventing retirement savings.