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The biggest financial risk you face isn't market volatility.

‍It’s living longer than the retirement system was designed for.

EmployersBenefit BrokersFinancial Advisors

We’re living longer than ever,
but financial plans haven’t kept up.

Incredible breakthroughs are going to lead to longevity escape velocity… By roughly 2032 when you live through a year, you’ll get back an entire year from scientific progress.

- Ray Kurzweil

Increasing Lifespans
Most retirement plans expire before 85. You probably won’t.
Inefficient Financial Plans
401(k)s and IRAs are often insufficient, and some annuities can be expensive. You deserve more.
Limited Options
Social Security is eroding, and most pensions have disappeared. Your needs haven’t.

An innovative investment in a new asset class.

Supplementing 401(k)s and IRAs, Savvly blends low-cost index investing with a pooled longevity structure to deliver payouts when traditional retirement funds tend to taper off.
More Life Today
Spend with confidence. Small contributions can unlock meaningful future value.
Allocating just 10% of your monthly retirement contribution to the Savvly Longevity Benefit can more than double the value of your retirement portfolio.
See Assumptions & Disclosures.
Confidence for a Longer Life
Don't worry about outliving your money.
Savvly can add structure and support to the years past 80, it can giving you more clarity for the part of life that traditional accounts don't protect.
Strength Across Generations
Stay independent. Helps lighten the load on your family.
Aging shouldn't mean becoming someone else's financial burden. Savvly can give you support later in life so your family isn't left carrying the weight.
How Longevity Benefits Work

Find your path to a secure future

HR Teams
A cost-efficient solution that boosts well-being, retention, and financial confidence.
For Companies
Benefit Brokers
Differentiate your offerings with an innovative solution to extended lifespans.
For Brokers
Financial Advisors
Help clients build financial confidence designed for longer lives.
For Advisors

Frequently asked questions

What is a Longevity Benefit?
A longevity benefit is financial support designed to help in the years beginning at age 80, when traditional savings may not be enough to sustain the individual. As lifespans increase, late-life costs often rise. If someone expects to live longer than previous generations, this benefit can help extend confidence and independence.
How are Longevity Benefits different than annuities?
Traditional annuities provide guaranteed lifetime income, though they often involve higher fees and more conservative growth because insurers assume the longevity risk. In contrast, Longevity Benefits track the market for greater growth potential and can provide a substantial longevity bonus - on top of market returns - for investors who live longer.
Why do people need financial support after age 80?
People routinely live into their 80s and 90s, and expenses often increase in those decades. Retirement plans weren't originally designed for such long lives. If someone worries about healthcare, housing, or caregiving needs later on, added support can help reduce uncertainty and maintain stability.
How can Savvly complement my 401(k) or IRA?
Savvly is designed to work alongside traditional retirement accounts by adding support for the years after age 80. While 401(k)s focus on saving until retirement, Savvly focuses on Longevity of funds, which means monies that will be present at the milestone ages of 80, 85, 90, and 95. If someone wants a more complete long-term plan, combining both tools can strengthen future resilience.
What makes Savvly different from traditional retirement tools?
Traditional tools emphasize building savings before retirement. Savvly is designed to support the decades after retirement, when money is being spent instead of saved.  As a result, retirement savings may decline. If someone expects to live a long life or wants more stability past age 80, Savvly can help fill that late-life coverage gap.
How can Savvly support my family over time?
Savvly's longevity benefits are designed to help people stay financially independent later in life, reducing pressure on family members for financial support. As costs for healthcare and caregiving rise with age, added support may lessen the emotional and financial strain often placed on loved ones.
Can Savvly help me feel more confident about retirement?
Yes. Savvly is designed to add structure to the years after age 80, helping people feel more secure about long-term planning. If someone fears outliving their savings or limiting their lifestyle today, added future support can help increase confidence and reduce financial worry.
Is the Longevity Benefit insurance?
No, the Longevity Benefit isn’t insurance. It’s built on a low-cost S&P 500 index fund and distributes more proceeds to investors who live longer. Think of it as the opposite of life insurance, which pays your family when you pass away. Longevity Benefits are built to pay YOU for living a long life.
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Investment products are not FDIC insured, are not bank guaranteed, and may lose value. Savvly products involve risk including possible loss of principal. Past performance does not guarantee future results. This material is for informational purposes only and should not be construed as financial, legal, or tax advice. You should consult your own advisors regarding your specific situation.

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