Savvly doesn’t replace your retirement plan, it completes it.
You probably already contribute to a 401(k) or other retirement account through your job. Some may even have a pension or have heard of annuities. So when someone introduces a “longevity benefit,” your first question might be: “How is this different from what I already have?”
Here’s the key: Savvly is not a replacement. It’s a complementary layer designed to pick up where other benefits leave off.
Your 401(k) or IRA is built to help you from retirement age (around 65) through the next 10–15 years (for most os us). But what happens if you live to 90—or 100? Many people today do. That’s the gap. And that’s where Longevity Benefits step in.
Savvly is a secondary layer of retirement income that activates when other plans begin to run low. With payouts starting at age 80, and continuing every five years (85, 90, 95), Savvly gives you structured support later in life, without needing to change your existing plans.
Savvly is:
It’s about boosting your outcome, not starting from scratch.
Your 401(k) helps get you to 80. Savvly helps you from 80 to 100. Together, they create a stronger, longer-lasting retirement picture—one that supports you through all stages of life.
Ask your HR rep if Savvly is offered where you work or visit savvly.com to learn more.
Assumptions and Risk Disclosure
The information on this page is provided for educational purposes only and is not intended as investment, legal, or tax advice. It is designed solely to illustrate how longevity-based investment benefits may work under certain assumptions. Actual results will vary.
All illustrations, examples, and case studies are hypothetical and are intended to demonstrate potential scenarios—not to predict or guarantee actual outcomes. They do not represent the performance of any individual investor, portfolio, or account.
Key Assumptions Used in the Illustrations
- Life expectancy and mortality projections are based on the most recent Social Security Administration (SSA) tables available at the time of simulation.
- In the event of death or early withdrawal, hypothetical scenarios assume that beneficiaries may receive 75% of the lesser of the initial investment or current market value, plus 1% for each full year the account was active.
- Case studies assume standardized market growth of 8% annually and do not incorporate unexpected market volatility, inflation, changes in interest rates, or changes in an investor’s personal circumstances.
- Simulations may assume a 3% annual early withdrawal rate prior to payout or death.
- All figures shown are net of fees.
Risks to Consider
- Market Risk: Investment values will fluctuate and may be worth more or less than the amount invested. There are no guaranteed returns.
- Sequence of Returns Risk: The order and timing of market gains or losses—particularly near the payout phase—can materially affect results.
- Longevity Risk: Living longer than projected may reduce the pooled benefit per participant; shorter-than-expected lifespans may affect the amount received.
- Redemption Impact: Early or voluntary withdrawals by other participants can impact overall fund performance and distribution outcomes.
No forecast, projection, or hypothetical return should be relied upon as a promise or representation of future performance. Investors should carefully evaluate their own circumstances and consult a qualified financial professional before making any investment decision.