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Turn Contributions Into Lifetime Rewards

Savvly is a revolutionary benefit that grows with the S&P 500 and distributes proceeds to investors when they reach milestone ages to unlock excess cash for living longer.

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How The Longevity Benefit Works

Savvly rewards individuals for living longer
Savvly is a revolutionary benefit that grows with the S&P 500 and distributes proceeds to investors when they reach milestone ages to unlock excess cash for living longer.
Index Investing Efficiency
Combines risk pooling mathematics with low-cost index fund performance.
Complete Control
No lock-ins or middlemen, it's a security you control in your investment account.
Accessible Entry
Start with just $1 instead of the typical $20,000 minimum.
The Savvly Process
Contributions
Small deposits
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‍You or your employer contributes a set dollar amount monthly (we recommend $10-$100) into your Savvly account.
Can protect your longevity

‍Investing a small portion of your money into Savvly can more than double your late life savings (see Disclosures).
Complements your benefits

Savvly doesn't impact your 401(k) or IRA account, but complements them with a longevity benefit that kicks when you need it the most.
Market Growth with Reallocation
Invested in Trusted ETFs
‍
Contributions are invested in market-tracking S&P 500 ETFs via Vanguard and BlackRock.
Reallocation
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Any unused investment from early exit members is automatically reallocated back to investors.
The Savvly Longevity Bonus
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These unused investments act as a booster that can push returns above the S&P 500 alone.
Note: the average long-term S&P 500 return has been 9%. The outcome shown above is an estimate of the sum of the four payouts at 80, 85, 90 and 95. The amount of these payouts depend on the return of the S&P 500 and the performance of the pension pool. See assumptions and disclosures at www.savvly.com/disclosure
Payouts
At key life milestones, (ages 80, 85, 90, and 95), investors receive boosted payouts.‍
Not everyone will receive all 4 payouts, so long-living investors can receive more money from unused assets.
Those who don’t receive a payout get all or most of their deposits back.*‍
*75% + 1% for every year with Savvly, up to 100%, applied to the lesser of either the initial investment or current market value.

The mechanics behind Savvly

1. Contributions
2. Market-Tracking
3. Pooled Structure
4. Reallocation
5. Payouts
Contributions
Monthly Deposits
‍You or your employer contributes a set dollar amount monthly (we recommend $10-$100) into your Savvly account.
Simple to Start
Contributions are predictable, steady, and easy to plan for
10% of your retirement
Investing 10% of your total retirement into Savvly can more than double your late life returns (see Disclosures).
Market Growth with the Reallocation
Invested in Trusted ETFs
Contributions are invested in market-tracking ETFs via Vanguard and BlackRock, which can grow with the market.

Redistributed Gains
Any unused investment growth that remains in the pool from early exit members is automatically redistributed and kept within the collective fund.
The Savvly Longevity Bonus
These unused gains are reallocated to the active members, acting as a multiplier that can push returns beyond what the market alone could provide.
Pooled Structure
Compounding Growth
All contributions are pooled and invested together, allowing growth to compound at a scale individual accounts cannot achieve alone.
Positive Wealth Transfer
Other members may leave the pooled fund prior to arriving to their payout dates. Potentially all of their principal investment (view Disclosures) is returned to them of their family, while the unused market gains remain in the pool and are reallocated to other members.
The Savvly Reallocation
Principal Protection
Your original investment principal is structurally protected, ensuring that the base capital is always preserved for you or your family.
Redistributed Gains
Any unused investment growth that remains in the pool from early exit members is automatically redistributed and kept within the collective fund.
The Savvly Longevity Bonus
These unused gains are reallocated to the active members, acting as a multiplier that can push returns beyond what the market alone could provide.
Payouts
Four Scheduled Payout Dates
Scheduled payouts occur at ages 80, 85, 90, and 95, and each payout is designed to increase in size over time.

Market + Pool = WOW
Payouts are funded by pooled investment growth and reallocation mechanics.

Freedom To Spend
Payouts are delivered as cash and can be used however you choose, whether for healthcare, housing, family support, travel, airplanes, or any unexpected needs.

Estimate Your Longevity Benefit

See how integrating longevity benefits can strengthen your financial plans and improve your longevity confidence.

Frequently asked questions

How is the Longevity Benefit taxed?
As a long-term investment gain after payout dates. You should consult with a tax advisor. Savvly does not provide tax advice.
Is the Longevity Benefit insurance?
No, the Longevity Benefit isn’t insurance—it’s built on a low-cost S&P 500 index fund and distributes more proceeds to investors who live longer.
How are Longevity Benefits different than annuities?
Annuities typically suffer from high fees and slower growth, with insurers keeping any unused funds as profit. In contrast, Longevity Benefits track the market for higher potential returns and reallocates those unused funds directly to surviving investors.
How can Savvly complement my 401(k) or IRA?
Savvly is designed to work alongside traditional retirement accounts by adding support for the years after age 80. While 401(k)s focus on saving until retirement, Savvly focuses on Longevity of funds, which means monies that will be present at the milestone ages of 80, 85, 90, and 95. If someone wants a more complete long-term plan, combining both tools can strengthen future resilience.
What if I pass away or leave the fund before the payout dates?
Unlike some traditional pensions or insurance, you, or your family/estate receives all, or the vast majority, of your deposits back. (Please refer to the disclosure for details.)
How does Savvly protect my money?
Your money is invested in ETFs run by the largest asset managers in the world (Vanguard, BlackRock, Fidelity) and is securely held in a 3rd party custodian (US Bank). Savvly never directly manages the assets.
What happens if I leave my contributing employer?
Savvly is designed for portability and flexibility. You maintain control of your account, and can still contribute, but your employer will stop making contributions on your behalf.
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Assumptions

Investment products are not FDIC insured, are not bank guaranteed, and may lose value. Savvly products involve risk including possible loss of principal. Past performance does not guarantee future results. This material is for informational purposes only and should not be construed as financial, legal, or tax advice. You should consult your own advisors regarding your specific situation.

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