A new financial layer
Built for longevity
We're reinventing retirement savings.
Savvly's Longevity Benefit is more than a tool; it’s reimagining what it means to feel secure. We’re building a world where financial confidence can be more accessible.
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Savvly's Longevity Benefit is more than a tool; it’s reimagining what it means to feel secure. We’re building a world where financial confidence can be more accessible.
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 run out and when life ends, is real, measurable, and addressable with the right structure. Savvly was built specifically to fill it.
| Feature | Traditional Annuity | 401(k) / IRA | Savvly |
|---|---|---|---|
| Potential post-80 income | ✓ Yes | ~ Maybe | ✓ Yes |
| Market growth participation | ✗ Limited | ✓ Full | ✓ Full S&P 500 |
| Longevity bonus | ✗ No | ✗ No | ✓ Built in |
| Exit flexibility | ✗ Often no | ✓ Yes | ✓ Yes |
| Tax treatment | Ordinary income | Ordinary income | Qualified Roth |
| 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 pool participation, market performance of the underlying S&P 500 index fund, contribution amounts, investor behavior, and actual fund results — they are not guaranteed. Investment involves risk, including possible loss of principal. Market returns may be negative. Past performance is not indicative of future results. LTCG tax treatment 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.
Savvly's Longevity Benefit is a registered investment structure, not insurance. The mechanism is simple and transparent.
Your contributions go into a S&P 500 index fund alongside other investors. Low-cost. Market-driven. Transparent.
Your contributions track the S&P 500 and may grow over time, depending on market performance. When others exit the pool early, their unused share may be reallocated to remaining investors, potentially increasing the pool available at each milestone age.
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.
A cost-efficient benefit that can boost retention, financial wellbeing, and talent differentiation. Live in under a week, no discrimination testing.
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.
Help clients build financial confidence for longer lives. A 10% allocation may add meaningful longevity protection without replacing any existing holdings.
Book a 30-minute demo. We'll walk you through the product, the structure, and what it can mean for the people in your care.