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.
%20(2).png)
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.
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.
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.
Traditional retirement plans often assume you’ll pass away before 90. Savvly is built for a world where living longer is the norm.
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.
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-linked 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 investors who exit early, or their estate in the event of death, 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. No forecast, projection, or hypothetical return should be relied upon as a promise or representation of future performance.
Past performance is not indicative of future results. The 8% annual market growth rate used in illustrations is a standardized assumption for modeling purposes only and does not represent the historical or expected performance of any specific investment. Note that early or voluntary withdrawals by other participants can affect fund performance and the size of distributions, and that a higher-than-expected number of participants reaching payout milestones may reduce the per-participant benefit received.Savvly's Longevity Benefit is not a bank product, not FDIC insured, not insured by any federal government agency, not a guaranteed or insured investment, and not insurance. Investment values may decline.
Savvly's Longevity Benefit may not be suitable for all investors. Eligibility to invest is subject to qualification requirements and not all investors will be eligible. Investors should carefully consider their investment objectives, risk tolerance, time horizon, and financial situation before investing. See savvly.com/disclosures for current eligibility criteria, fees, risks, withdrawal terms, and fund assumptions.
This content is published by Savvly, Inc. Savvly has a financial interest in the products described and this content should not be interpreted as independent financial research or analysis. Investors should carefully evaluate their own circumstances and consult a qualified financial professional before making any investment decision.