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THE SAVVLY FUND

A smarter approach to retirement

The Savvly Fund is designed to supercharge your retirement. Whether you're already saving or need to catch up, the Savvly Fund helps you get more from your investments—simply and with greater peace of mind.
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Just putting 5–10% of your account into the Savvly Fund can create the safety net you’ve been looking for—at a much lower cost than other options.
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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

What is the Savvly Fund and why it can be wise choice?

The Savvly Fund is an investment that tracks the S&P 500 and distributes proceeds only to investors when they reach predefined ages. With the Savvly Fund in your account, you can:

Gain peace of Mind for the Long Term

Receive payouts later in life, reducing the risk of running out of money or becoming a financial burden.

Catch Up on Retirement Savings

Worried you haven’t saved enough or made some financial missteps along the way? Savvly helps you get back on track with less, potentially achieving even better outcomes.

Retire Early or Spend More Now

Feel confident retiring early or enjoying more today, knowing payouts are coming later in life.

Build a Smarter Portfolio Strategy

Invest the rest of your portfolio more aggressively or flexibly, knowing you have a lifeline

Enjoy Flexible Access

You can liquidate part or all of your Savvly Fund investment if needed.

Simplify your Financial Planning

Eliminate the worry of outliving your savings— the Savvly Fund can provide payouts well into later life.

How is it possible?

The Savvly Fund combines the math of risk pooling with the efficiency of index investing—creating a new kind of retirement fund, thought for you.
Just pure efficiency: low-cost S&P 500 exposure enhanced by actuarial-driven longevity payouts—starting with a little portion of your portfolio.
By deferring withdrawals until age milestones, clients unlock significantly higher returns than the underlying market index. Early withdrawals are penalized, with those funds reallocated to remaining investors—creating a low-cost, efficient longevity layer within any retirement plan.

Thanks to the Savvly Fund unique investment mechanism, you can profit from a longer life because you get access to S&P 500 investment returns of the other investors who withdraw early or pass away.

While conceptually similar to a low-cost annuity, the Savvly Fund is a security you fully control within your account—qualified or not.No lock-ins, no middlemen—just transparent, efficient retirement income.

The result: reduced risk of outliving savings and maximized post-retirement income.

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Is the Savvly Fund safe?

Like all investments, the Savvly Fund is not “risk-free,” but it is thoughtfully designed to balance growth potential, cost efficiency, and long-term security.

The Savvly Fund invests in the low-cost, S&P 500 ETF of the largest investment companies like the Vanguard VOO. Even in the unlikely scenarios that Savvly goes out of business, your money is protected, but investment risk remains.

It may be a better option and more inexpensive and flexible than traditional annuities for many investors—but not a substitute for guaranteed income if that’s your top priority.

How the Savvly Fund can extend your retirement plan: the Savvly Fund estimator

What is the catch?

There is a catch. If you leave, sell the fund, or pass away, you will receive 75% of your initial investment (discounting any market losses) from the deposits that went into the Savvly fund.  (+ 1% for every year you stayed in the fund up to 100%). The rest of the investment gains that the Savvly Fund makes on your deposits invested in the S&P 500 get reallocated to other investors.

Savvly compared to an annuity

Why Jim buys an Annuities

The Investment
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.

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The Growth
The investment portfolio performs as guaranteed and returns slow growth over time.

There is no additional source of growth.

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The Payout
Regular payments are made to Jim. The cash value of Jim’s investment drops quickly during the annuitization.
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The Profit
The insurance company keeps a significant  portion of Jim’s market returns and charges him management fees.

Why Wendy buys Savvly

The Investment
Wendy allocates ~5% of her total portfolio to Savvly. Her payout starting age is 80.

Savvly invests Wendy’s contribution in a market tracking ETF. Accumulation of the investment is not guaranteed; however, the investment follows the market and historically sees an average 6-8% market growth each year.
The Growth
Wendy’s Savvly investment performs as the market dictates and returns growth over time.

Other Savvly investors may pass away or withdraw before their payouts. As initially agreed, their investment gains remain in the pool and are reallocated to Wendy and the other Savvly investors.
The Payout
When Wendy reaches her payout age of 80, she receives the market returns of her Savvly investment and her long-life bonus. This replenishes the cash value of her account.
The Payout
All market returns from those who pass away or withdraw before their payout age are reallocated among Savvly investors, including Wendy

Jim chose an annuity because he was worried about losing money in the market and wanted some regular monthly income on top of Social Security. Wendy chose Savvly because she wanted the most out of her retirement dollars. The payouts replenished her account and helped protect her estate from unexpected expenses. If you want both a regular income and protection against inflation while keeping cash value, choosing both an annuity and Savvly might be best for you.

Are you a Financial Advisor?

The Savvly Fund can help you and your clients

Support Client Retirement Goals

Help clients retire on their terms with an efficient longevity solution—no insurance, no license required.

Grow Your Firm

Offer innovative products that open the door to new business development opportunities.

Make More Money and Improve Client Retention

Strengthen relationships with aging clients as they transition into decumulation, reducing the impact of the Great Wealth Transfer.

Retain and Grow AUM

A forward-looking retirement solution can help preserve and grow assets under management over time. Stop trading your AUM with a one-off referral fee.

Position Your Brand as a Leader

Stand out as an early adopter of smart, client-focused innovation in retirement planning.

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+
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No medical exam required
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