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 provided on this page is for educational purposes only and should not be considered investment, legal, or tax advice. It is designed to help explain how longevity benefits work and what potential outcomes might look like under certain assumptions.
All illustrations, examples, and case studies are hypothetical and are meant to demonstrate potential scenarios—not guarantee actual outcomes. They do not reflect the performance of any individual investor, portfolio, or account.
Key Assumptions:
- Simulations may assume a 3% annual early withdrawal rate before payout or death.
- In the event of death or early withdrawal, beneficiaries may receive 75% of the lesser of the initial investment or the current market value, plus 1% for each year the account was active.
- Case studies assume standard market conditions and do not account for unexpected volatility, inflation, or changing personal circumstances.
Risks to Consider:
- Market Risk: Investment values may rise or fall depending on broader market performance. There are no guaranteed returns.
- Sequence of Returns Risk: The timing of market gains or losses—especially near payout age—can significantly affect outcomes.
- Longevity Risk: Living longer than expected may dilute the pooled benefit effect. Conversely, shorter-than-expected lifespans may impact value received.
- Redemption Impact: Voluntary or early withdrawals by other participants may affect the overall fund performance.
No forecast, projection, or hypothetical return should be relied upon as a promise or representation of future results. You should evaluate your personal situation and consult a qualified advisor before making any financial decisions.