Become a founding investor and get lifetime benefits – plus a free look for two years.

Finally, a new product category is here

Savvly is designed to provide two sources of return. When you live a long life, it can pay you market returns and long-term bonuses that are uncorrelated with the markets.

Why Savvly

59%

of retirees 85 and over have run out of money

77%

of people in their 40s are more afraid of running out of money than dying

5%

But less than 5% of portfolios have long life protection

Even wealthy investors can outlive their savings if they aren’t prepared or end up living in frugality. Savvly is on a mission to change that by delivering an additional income stream.

Savvly compared to annuities

Another way to add long-life protection is through buying an annuity. This investment option is popular for good reason — it provides a regular monthly income on top of Social Security. Download the guide to see how Savvly stacks up!

Download Guide

The investment

Annuities

Jim makes annuity premium payments to an insurance company, typically a large portion of his savings.

The value of the annuity grows slower than the market because it's hedged against market drops

The investment

Annuities

Jim makes annuity premium payments to an insurance company, typically a large portion of his savings.

The value of the annuity grows slower than the market because it's hedged against market drops

The investment

Annuities

Jim makes annuity premium payments to an insurance company, typically a large portion of his savings.

The value of the annuity grows slower than the market because it's hedged against market drops

See how Savvly stacks up to your other options

SavvlySavings
‍account
Annuity
contract
Investment
‍‍fund
Long term
care
Provides market returnsDepends
Potential market upside
Manages longevity risk
No credit risk
Provides tax advantages
No medical exam requiredDepends

Transfer your wealth more efficiently

Savvly is a tax-efficient way to hedge against the expenses that come with a long life with as little as 5% of your total portfolio.

These unique tax benefits allow you to leave more money behind to family or charity.

Download the free investor guide below to learn how it's made possible.

Savvly does not provide tax advice; please consult your tax professional.

Case study

Read some examples of how people can benefit from using Savvly in their investment strategy.

Dana, 55, Qualified purchaser Wants to protect her estate

*Assumes S&P 500 real growth of 7.5% per annum

Savvly helped Dana leave her daughters a fortune

Dana recently sold her business for $10M, leaving her enough to retire comfortably. However, she wants to make sure she leaves as much as possible to her two daughters, while optimizing his tax efficiency.

Dana puts $300K into the Savvly longevity pool and selects a payout age of 90. Her Savvly investment would have grown to ~$3.8M in 35 years, but with her Savvly multiplier, it ended up being $10.8M!1 Plus, Dana had more than enough in other assets to hold those shares with unrealized gains until she passed away at 96. Those shares (now worth over $16.6M and still untaxed) were left to her children, at which point the tax basis stepped up from $300K to $16.6M.

Dana, 55, Qualified purchaser Wants to protect her estate

*Assumes S&P 500 real growth of 7.5% per annum

Savvly helped Dana leave her daughters a fortune

Dana recently sold her business for $10M, leaving her enough to retire comfortably. However, she wants to make sure she leaves as much as possible to her two daughters, while optimizing his tax efficiency.

Dana puts $300K into the Savvly longevity pool and selects a payout age of 90. Her Savvly investment would have grown to ~$3.8M in 35 years, but with her Savvly multiplier, it ended up being $10.8M!1 Plus, Dana had more than enough in other assets to hold those shares with unrealized gains until she passed away at 96. Those shares (now worth over $16.6M and still untaxed) were left to her children, at which point the tax basis stepped up from $300K to $16.6M.

Dana, 55, Qualified purchaser Wants to protect her estate

*Assumes S&P 500 real growth of 7.5% per annum

Savvly helped Dana leave her daughters a fortune

Dana recently sold her business for $10M, leaving her enough to retire comfortably. However, she wants to make sure she leaves as much as possible to her two daughters, while optimizing his tax efficiency.

Dana puts $300K into the Savvly longevity pool and selects a payout age of 90. Her Savvly investment would have grown to ~$3.8M in 35 years, but with her Savvly multiplier, it ended up being $10.8M!1 Plus, Dana had more than enough in other assets to hold those shares with unrealized gains until she passed away at 96. Those shares (now worth over $16.6M and still untaxed) were left to her children, at which point the tax basis stepped up from $300K to $16.6M.

Take Savvly for a test drive

Become a founding investor and get options in Savvly – plus a free look for two years.

01

Low fee structure

Savvly fees are just 0.5% annually. Refer to the Private Placement Memorandum for a comprehensive view of terms, which may include transaction fees associated with liquidation events.

02

Low commitment

Invest as much and as often as you want. Minimum investment is $100/mo or $1,000 one time. For a limited time, new clients can withdraw from Savvly with no penalty for the first two years.

03

Mobile app

Be sure to download our mobile app to learn even more about Savvly, play out scenarios with the estimator, and view your Savvly balance.

Frequently asked questions

What makes Savvly work?

When some investors withdraw or pass away early, their market returns (and in some cases, potentially a small fraction of their initial investment, based on the 75%+1% for each year formula) are reallocated to other investors. This results in late-life payouts that can provide 2-3x greater returns than investing in the same funds without Savvly.

What type of investment is Savvly?

Savvly is an alternative investment structured as a Limited Partnership.

Savvly is not an insurance policy or annuity. There is no insurance company taking profits. Instead, that money goes to all the Savvly investors.

Savvly is not a traditional investment fund. Assets are invested in a brand name fund that tracks a major stock market index like the S&P 500. Savvly does not manage this fund. It is held by a third-party custodian, Interactive Brokers.

Is Savvly investing my money?

No. Savvly is not a traditional investment fund. Savvly does not buy and sell investments for return.

Instead, money is invested in a low-cost ETF fund: Vanguard S&P 500 ETF (VOO). This investment in VOO is held by a third-party custodian, Interactive Brokers, which ensures the integrity and security of the investment. Savvly’s role is to manage the payouts and the reallocation mechanics among Savvly investors.

How does Savvly secure funds?

Investments are held securely in a Limited Partnership owned by the investor and the other participants, not by Savvly. Investors' money is not on Savvly’s balance sheet. Via the Limited Partnership, investors retain ownership of their funds. 

What happens if something happens to Savvly?

In the highly unlikely case Savvly ceases operations, ETF shares including any market gains and Savvly bonus will be transferred back to the investors.

What is the investment minimum?

The minimum investment is $1,000 for accredited investors or $100/month installments. 

How much should someone invest in Savvly?

For most people, we recommend investing no more than 10% of your total portfolio in Savvly.

How much of my initial investment goes into the pension pool?

When a new participant invests, their entire investment goes into the pension pool. Tiny fractions of cash may remain uninvested, but still allocated to each participant.

Which accounts are eligible?

Participants should use after-tax funding sources for small periodic investments from the bank accounts. Qualified money (eg, IRA, 401k) can be invested in Savvly via lump sum payments. Connect with a Savvly financial specialist to learn more

How does Savvly estimate payouts?

Savvly estimates payouts through the same actuarial science insurance companies use, but with enhanced benefits for investors. Similar to traditional Social Security, the longer you live, the more you can get over time. 

Are there medical requirements?

No. There is no medical exam required and participant funding levels are not impacted whatsoever by medical history. Do not invest in Savvly if you expect a short life.

What if I withdraw or pass away before the payout age?

For early distribution, participants will receive 75% of their initial investment + 1% for every year invested in Savvly. Savvly will retain a small fee, and the remainder of the balance will be shared among the participants of the Savvly community fund.

Is there an option for couples?

Yes! Couples can invest in Savvly independently as long as the total amount invested meets the minimum requirement.

Minimum investment period

The investment must be held for at least five years, and the minimum payout ages are 75 (men) and 80 (women). Investing when you are young is expected to provide the best benefits.

When and how is my payout received?

Standard payout ages are 75, 80, 85 and 90 for men, and 80, 85, 90 and 95 for women who are expected to live longer lives.

By speaking with a Savvly specialist, some participants may choose their own payout age. It can be any age 70+ for men and 75+ for women, provided a minimum investment hold period of five years. The Savvly specialist can help you select your payout age based on your individual needs. Selecting your own payout age may require higher minimums and consultation with a Savvly specialist (no application)

Why has nobody offered this before?

Savvly’s new model for longevity risk protection was inspired by a new wave of regulations, such as the Secure Act, which aims to help Americans experience greater prosperity in their later years.

Read our latest insights & updates

Savvly Blog

Take Savvly for a test drive

Download the app to discover how Savvly can work for you.

Learn More

01

Low fee structure

Savvly fees are just 0.5% annually. Refer to the Private Placement Memorandum for a comprehensive view of terms, which may include transaction fees associated with liquidation events.

02

Low commitment

Invest as much and as often as you want. Minimum investment is $100/mo or $1,000 one time. For a limited time, new clients can withdraw from Savvly with no penalty for the first two years.

03

Mobile app

Be sure to download our mobile app to learn even more about Savvly, play out scenarios with the estimator, and view your Savvly balance.