Savvly Overview

Savvly is a longevity benefit—an employee benefit designed to provide financial support later in life, when traditional retirement savings may fall short. Your employer contributes, and the fund grows over time through market investing and pooling. If you live to the ages of 80, 85, or 90, you receive payouts when you need them most.

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How It Works

A simple, powerful benefit designed for your future. Here’s how a Longevity Benefit helps you prepare for life after retirement — without changing everything about how you save today.

Contributions

Your employer contribute. It grows from there.

• Each month, a specific amount is added to your Longevity Benefit by your employer. Check with HR to see if employer monthly contributions are available to you.
• It’s low-effort, flexible, and doesn’t replace your 401(k), it complements it.

Example: Your employer adds $100/month. That’s $1,200/year going toward your future longevity benefit.

Market Growth

Your money is invested in the market and can grow over time.

• Contributions go into a regulated, market-based fund, invested in low-cost ETFs tracking the S&P 500.
• Everyone’s deposits are pooled, meaning shared growth potential and shared risk.
• You don't need to pick investments, monitor stocks, or make any changes. Savvly manages everything.

You benefit from long-term growth, and your share of the fund reflects how much you contribute and how long you stay.

Longevity Payouts

If you live longer, you get more. That’s the power of pooling.

• Starting at age 80, you become eligible for cash payouts from the fund.
• If you live to 85, 90, 95, you receive additional lump sums paid directly to you.
• The longer you live, the more you may receive.
• If you don't reach a certain payout age, your family receives all or most of your original contributions.
• Flexible, accessible, and doesn’t require health checks or eligibility tests.

Traditional retirement plans often assume you’ll pass away before 90. Savvly is built for a world where living longer is the norm.

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How You Benefit

Savvly is more than a savings plan, it’s a financial safety net designed to support you later in life, when you might need it most.

Support that lasts into your 80s, 90s, and beyond.
Savvly is designed to help cover late-life costs, like healthcare and housing, when traditional retirement plans may no longer be enough.

More money in your pocket.
Earnings are taxed as long-term capital gains, so employees may keep more of what they earn compared to ordinary income tax treatment.

No barriers, no fine print.
Open to all employees. No eligibility tests, age restrictions, or discrimination rules. Everyone gets the same opportunity to build late-life financial security.

Your contributions are not lost.
If you pass away before reaching payout ages, the vast majority (if not all) of your contributions are returned to your estate or designated beneficiaries.

Use it when it matters.
Payouts can be used for medical costs, emergencies, or any thing you may need, whether they want to slow down, travel, or take care of loved ones.

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