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Retirement doesn’t stop at 80—neither should your income.

Savvly - A Longevity Hedge to Protect your Retirement

Savvly is a new kind of pooled investment fund that is designed to give additional money later in life—right when you need it most.
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Savvly is built on a simple idea: people who live longer should be protected.
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Americans Are Outliving Their Retirement

Social Security isn’t enough. Pensions are gone. And most retirement plans don’t account for people living well into their 90s. If you’re like many, your savings might run out long before your retirement does.
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Living Longer Than Expected

Almost half of 65-year-olds will live past 90. But, most plans deplete their funds long before, while medical costs continue to rise.
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Outliving Your Savings

66% of retirees run out of money before age 85. Traditional plans assume you’ll die on time. What if you don’t?
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Limited Protection Options

Less than 5% of retirement plans include long-life protection. Annuities are rigid. Investments stop paying. Most plans aren’t built to last

How can Savvly Help?

Savvly was built to help solve one of the biggest problems in modern retirement: making your money last as long as you do. Whether you're just starting out at 25 or already planning your exit at 60, here’s how Savvly fits into real-life retirement scenarios:
Benefits

A New Model for Long-Term Retirement Income.

Real-life scenario: In most retirement plans, you’re on your own. Savvly connects you to a community that helps your money go further.

With The Savvly Fund: Everyone contributes a small portion into a shared pool. If someone leaves early or passes away before receiving payouts, their unclaimed returns stay in the fund—and gets distributed to those who remain.

Why it matters: A smarter way to retire, powered by community and built for people who plan to live long.
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Live Longer. Get Paid More.

Real-life scenario: You’ve saved enough to retire until 80 or 85—but a medical emergency hits, and your budget shrinks. What happens if you live to 95?

‍With The Savvly Fund: You receive structured payouts every 5 years starting at age 80. It’s built-in backup for the part of retirement most people forget to plan for.

‍Why it matters: Savvly helps ensure your retirement doesn’t end before your life does.
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Save Less. Still Achieve More.

Common belief: You have to save aggressively now to live comfortably later.

With Savvly: The fund distributes unclaimed gains to long-term users—so you benefit more the longer you stay.

Why it matters: With pooled growth and long-life bonuses, you can do more with less.
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Leave a Legacy Without Sacrifice

Real-life scenario: You want to make sure your family is taken care of—even if something happens to you. And you definitely don’t want to become a financial burden to them later in life.

With Savvly: If you pass away before your payouts begin, your unused deposits go to your estate. The rest helps others who live longer.

Why it matters: You’re not just protecting your future—you’re supporting the next generation.
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Start small. Stay flexible. No commitment.

Real-life scenario: You’re in your 20s or 30s, trying to build savings—but don’t have thousands to lock into a retirement account.

With Savvly Fund: Start with as little as $100 per month, choose automate monthly deposit, and unlock pension-style payouts later in life.

Why it matters: Savvly lowers the barrier to entry—no paperwork, no advisors, no commitments.

What is Savvly?

Savvly is a modern retirement product designed to solve a critical problem: outliving your savings. It combines traditional investing with a pooled longevity fund that rewards people for living longer—without relying on insurance or annuities.
What is the Savvly Fund? 
How does it work?
How does it pay you?
What if I withdraw early?
What if I pass away?
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What is the Savvly Fund? 

The Savvly Fund is a pooled investment account made up of all Savvly users' contributions. It's invested in low-cost ETFs that track broad market indices like the Vangaurd S&P 500.

When members withdraw early or pass away, a portion of their unclaimed returns stays in the fund, boosting payouts for those who remain—this is what we call the "long-life bonus."
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How does it work?

When you deposit money to your retirement account, we recommend that 10% goes into the Savvly Fund. It is invested in a low-cost Index Fund tracking the S&P 500.  But this portion is a fund that can enhance your retirement income with long-life bonuses.

For example, if you deposit $100/month to your retirment account, $10 goes into the Savvly Fund, which grows until you turn 80

At age 80, the Savvly Fund begins making structured payouts every 5 years—just like a pension.
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How does the it pay you?

Starting at age 80, the Savvly Fund begins paying you for living longer. You’ll receive four future payouts. From the Savvly Fund, you will get:
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•          40% of your money at age 80
•          30% at age 85
•          20% at age 90
•          10% at age 95

AND, each payout includes: your original investment, PLUS market gains, AND longevity bonuses!
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What if I withdraw early?

If you exit Savvly before age 80, you’ll still get back a meaningful portion of your Savvly Fund deposits:
‍75% of your original contribution, plus 1% for every year you’ve been in the fund.

For Example: You deposited $10,000 and decide to leave after 4 years. You would receive 79% of your deposits = $7,900, assuming market value hasn't dropped below your contribution.

Any remaining gains stay in the fund to support long-term participants.
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What if I pass away?

If you pass away, your will receive 75% of your initial investment (discounting market losses) from the 10% that went into the Savvly fund.  (+ 1% forevery year you stayed in the fund up to 100%).

How Savvly stacks up to the status quo

We created Savvly because the current options weren't cutting it. The Savvly Smart Pension is efficiently designed to give you long-term financial security at a fraction of the cost of the alternatives.

SAVVLY
Annuity
contract
Traditional Retirement Accounts
Lifetime Income
depends
Potential Market Upside
Wealth Transfer Friendly
Payouts at 85+
depends
No medical exam required
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Savvly Fund Calculator

Curious how Savvly could impact your future? Use our calculator to estimate your potential payouts from the Savvly Fund based on your age and investment amount. It’s a quick, personalized glimpse into how a small monthly deposit today could turn into structured income for your later years.

Frequently asked questions

General FAQ
Investment FAQ
Product Mechanics FAQ
Tax FAQ

What is Savvly and how does it work?

Savvly is a modern retirement solution designed to help you secure your retirement. The Savvly Fund consists of low-cost index funds from leading asset managers like Vanguard. The Savvly Fund pools investments among participants, allowing those who stay in the fund long-term to benefit the most. By investing a portion of your savings in the Savvly Fund, you receive long-life bonuses that help maximize your paychecks, ensuring peace of mind in retirement.

Is the Savvly fund an insurance product?

No, the Savvly Fund is not an insurance policy or annuity. There’s no insurance company taking profits. Instead, all contributions stay within the Savvly Fund, and those who remain invested long-term benefit more from the investment pool.

Is the Savvly Fund a traditional investment fund?

No, the Savvly Fund is not a typical investment fund. Your assets are invested in a low-cost S&P 500 ETF, managed by a third-party custodian (Apex Group), ensuring secure, long-term growth. Savvly manages the process of new investors entering an existing pool.

What type of investment is the Savvly Fund?

The Savvly Fund enables a minimum level of pooling among the independent personal retirement accounts. The Savvly Fund helps investors provide stable, lifelong income that can grow as people age.

Who Can Invest in the Savvly Fund?

Savvly is open to anyone. The minimum investment starts at $100/month, and there is no long-term commitment.

How Much Should I Invest in the Savvly Fund?

We recommend contributing as much as you feel comfortable investing in your retirement. When the Savvly Fund is used in a qualified account (IRA o ROTH IRA), the Federal Government does not allow penalty-free withdrawals before 59 ½. If you want full unrestricted access to your fund, you should consider opening the Savvly Fund in our standard brokerage account.

What Kind of Accounts Can I Use to Invest?

Good news. The Savvly Fund can sit on both non-qualified brokerage accounts or a qualified account like IRA and ROTH IRA.. This means you can use funds from your savings, brokerage, or checking accounts— and Savvly accepts IRA rollovers.

What If I Need to Withdraw or Pass Away?

If you withdraw or pass away, you or your estate will receive the net asset value (NAV) of the investment in your account: bonds, equity, and the Savvly Fund. The value of the Savvly Fund, which typically weighs less than 10% of your account, depends on your age and the performance of the S&P 500. Generally, the value of the Savvly Fund is at least 75% of the investment amount and can be up to a multiple of the performance of the S&P 500 during your investment period, depending on the age of withdrawal. See details here ‍

The IRS may impose penalties for early withdrawals in qualified accounts.

When Will I Receive My Payouts?

You can choose to begin receiving monthly paychecks anytime, with no upper age limit. Payouts are based on a target 100-year lifespan and may change based on inflation and market returns, ensuring you always have recurrent income, no matter how long you live. You can withdraw all your assets anytime if you wish.

How Does Savvly Protect My Money?

Your investment is securely held in a standard brokerage or qualified account. Your assets remain in your name all the time and are never on Savvly’s balance sheet. The funds are held by a third-party custodian (Apex) to ensure safety and transparency.

Are There Any Medical Requirements?

No medical exam or health history is required. Your Savvly Fund is based purely on financial contributions and doesn’t take your health into account. However, Savvly is designed for those who expect a long retirement, beyond 80 and want to prepare accordingly starting early in life.

What Is the Tax Treatment of Savvly Investments?

It depends on the type of accounts you choose when you sign up. Taxation is deferred for qualified accounts like IRA and ROTH IRA. Savvly does not provide tax advice.