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Your 401(k) helps you start building for retirement. Savvly's Longevity Benefit is designed to add potential cash at ages 80, 85, 90, and 95, giving your future self another layer of support.
The earlier you start, the more time the structure has to build.
Start investing at:
Hypothetical illustration only. Potential outcomes depend on investment performance and investor behavior. Not a guarantee.
You have a first real paycheck. Maybe a 401(k). Maybe a savings goal. You are already paying attention earlier than most people do.
That matters.
Savvly's Longevity Benefit is designed for the years most people do not think about yet: 80, 85, 90, and 95. It adds potential cash later in life, when independence, housing, care, and choice can become more expensive.
You do not need to have everything figured out. A small start can still be a real start.
Savvly's Longevity Benefit is designed to add potential cash later in life while working alongside the retirement accounts you are already building.
Savvly allocates assets to funds managed by Vanguard and Fidelity, held at U.S. Bank. You stay invested while the longevity structure builds alongside your existing retirement accounts.
When some investors exit before payout ages, a portion of value may be reallocated to investors who remain. That reallocation structure is what creates the potential for amplified later-life payouts.
Investors who remain in the program may receive potential cash payouts at ages 80, 85, 90, and 95. These payouts are designed to complement other retirement income.
Hypothetical projections at $100/month. Not a guarantee. Actual results depend on investment performance and investor behavior.
| Investor's current age | Potential by 80 | Potential by 85 | Potential by 90 | Potential by 95 |
|---|---|---|---|---|
| Age 25 | $1.5 - $1.9M | $4.3 - $5.4M | $12 - $15M | $31 - $39M |
| Age 35 | $780 - $980K | $1.8 - $2.3M | $4.5 - $5.6M | $9.6 - $12M |
| Age 45 | $350 - $440K | $750 - $940K | $1.4 - $1.8M | $3.1 - $3.9M |
| Age 55 | $120 - $150K | $220 - $280K | $400 - $500K | $720 - $900K |
Most people discover later-life planning in their 50s. Savvly is designed for people who want to build that layer while the advantage of time is still real.
You are already thinking about money sooner than most people your age. Savvly gives that early attention somewhere useful to go.
Your 401(k) helps you build for retirement. Savvly's Longevity Benefit is designed to add potential cash for the years after 80.
You do not need to have everything figured out. A small consistent start may give the structure more time to build.
Savvly's Longevity Benefit is designed to complement the retirement tools you already know, not replace them.
| Feature | Annuity | 401(k) / IRA | Savvly Longevity Benefit |
|---|---|---|---|
| Built for ages 80+ | ✕ | ✕ | ✓ Designed for 80, 85, 90, 95 |
| No health screening | Often required | ✓ | ✓ No screening required |
| Full market participation | Capped or floored | ✓ | ✓ Full S&P 500 upside |
| Unused capital stays with investors | Insurer keeps it | N/A | ✓ Reallocated to remaining investors |
| Minimum contribution | High upfront premium | Varies | ✓ $10/month |
| Transparent structure | Complex insurance product | ✓ | ✓ S&P 500 index fund |
| SEC-registered | N/A | N/A | ✓ SEC-Registered Investment Fund |
Comparison reflects general structural differences for illustrative purposes only. Not financial advice. See full disclosures at savvly.com/disclosure.
Savvly is designed to add potential cash later in life, alongside the retirement accounts you are already building. Join the beta to learn how it works and whether it may fit your long-term plan.
No pressure. No spam. Just a smarter starting point.