Your future deserves more than a retirement plan, it deserves backup.
Retirement isn’t the end of the road. For many of us, it’s just the beginning of a longer, more active life. But here’s the challenge: most retirement plans only help for the first 10–15 years. So what happens if you live into your 90s? That’s where Longevity Benefits come in; designed to support the second half of your retirement.
These milestone payouts can help cover rising medical costs, long-term care, or simply give you peace of mind. The longer you live, the more you receive.
Your contributions are pooled and invested in a diversified fund that tracks the S&P 500. That means your money can grow over time, not just sits in an account.
If life takes an unexpected turn, your money doesn’t disappear. All or most of the contributions return to your family or estate.
Because Savvly pools contributions across members, it can deliver 3–4x more value than investing alone, especially for those who live long lives.
Your employer contributes a fixed amount each month. Check with HR to see if you employer monthly contributions is available to you.
Savvly is about more than money. It’s about feeling secure, knowing that if you live longer than expected, you’re not financially alone.
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.