Gen X · Retirement · April 2026

56% of Gen X wish they had a pension.
Here's the modern version.

You built the assets. The 401(k) is maxed. But nobody gave Gen X a pension — and 48% expect to return to work because the income plan doesn't hold up past 75. Savvly is what should have existed all along.

"An investment strategy isn't the same as an income plan. Many consumers have done a strong job building assets, but fewer have translated those assets into a clearly defined income strategy."

— Global Atlantic 2026 Retirement Outlook Survey

Gen X invented the DIY retirement. You didn't have pensions. You had 401(k)s and willpower. You built assets — but not income. And now the first wave of Gen X is hitting 60 with more anxiety than any generation before them, including Boomers.

Savvly is a Longevity Benefit — potential cash at 80, 85, 90, and 95. Not an annuity, not insurance. An SEC-registered fund designed for the income gap nobody warned Gen X about.

See My Numbers How it works ↓

SEC-Registered Fund

Assets at US Bank

Vanguard & Fidelity

Gen X Financial Reality

Ages 45–60

What's in place

401(k) / IRA✓ Contributed

Home equity✓ Building

Social SecurityPartial (uncertain)

What's missing

Pension✗ Never had one

Income for ages 80–95✗ Gap not covered

Defined income plan✗ 38% have none

The pension gap

56% of Gen X without pensions feel "pension envy." The 401(k) builds wealth — it doesn't guarantee income. That's a different problem.

Savvly closes this gap

Potential cash payouts at 80, 85, 90, and 95 — the modern longevity income layer Gen X was never offered.

28%

of Gen X extremely or very concerned about outliving their money — double the rate of Boomers

48%

of Gen X expect to return to work in retirement due to financial concerns — vs. 21% of Boomers

$1.46M

Americans' "magic number" to retire comfortably in 2026 — up $200K from last year alone

80+

is where Savvly potential payouts begin — the decade 401(k) drawdown pressure is highest

How the Longevity Benefit works

Not a pension. Better than
a pension.

A pension was just a promise from an employer. Savvly is an SEC-registered fund — transparent mechanism, market exposure, assets held at US Bank. You own it. You control it.

You contribute monthly

Contributions go into a pooled S&P 500 index fund managed by Vanguard and Fidelity. Assets held at US Bank. Start from $10/month — or match what you'd have contributed to a pension at work.

The pool reallocates

When participants exit early, their unused capital may flow to those who stay — not to an insurer. This is the mechanism that makes potential payouts grow the longer you hold. You're rewarded for staying.

Cash at four milestones

Potential payouts at 80, 85, 90, and 95. The later the milestone, the larger it may be. Designed exactly for the income gap that starts where the 401(k) starts to strain under drawdown.

What Gen X actually asks us

"Is this just an annuity with a new name?"

No — Savvly is an SEC-registered investment fund. There's no insurance company, no contract clause. The mechanism is a pooled reallocation: early exiters' unused shares may flow to you, not to an insurer's profit margin.

"What if I need the money before 80?"

Fair Exit is always available. If you exit before milestone ages, a portion of your contributed capital may be returned. It's not a lock-in — it's a long-term plan with a glass-break option built in.

"How is this different from my 401(k)?"

Your 401(k) is excellent for accumulation to age 65–70. Savvly is specifically designed for ages 80–95 — when most 401(k)s are under drawdown pressure. It's additive, not a replacement. Two different problems.

"Is there a health exam?"

None. Zero. No health screening, no medical underwriting, no discrimination testing. If you're alive and contributing, you're eligible. This is one of the most important structural differences from insurance products.

Early access — Gen X only

You built the assets.
Now build the income.

Enter your email for early access. We'll show you exactly how Savvly closes the income gap — based on your age and contribution level.

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No health screening · No commitment · From $10/month

Hypothetical illustration only. Actual results may vary. Not a guarantee of future performance. Investment involves risk, including possible loss of principal. Potential payouts at ages 80, 85, 90, and 95 are not guaranteed. Savvly is an SEC-registered investment fund. Assets held at US Bank. Investments allocated to funds managed by Vanguard and Fidelity. This is not insurance or an annuity product. LTCG tax treatment based on current tax law and subject to change. Survey statistics sourced from Global Atlantic 2026 Retirement Outlook Survey and Northwestern Mutual 2026 Planning & Progress Study. Early exit terms apply; a portion of contributed capital may be returned upon exit.

56% of Gen X wish they had a pension.Here's the modern version.

Not a pension. Better thana pension.