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 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.