How It Works

Most plans stop working at 80. Savvly starts there.

Savvly's Longevity Benefit is a S&P 500 ETF-based index fund with a Longevity Bonus. A transparent capital markets structure designed to potentially pay out more to those who stay longer.

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The Mechanism

The mechanism that makes it possible.

No black boxes. No insurance company taking a cut. Every dollar is traceable through a straightforward capital markets structure.

Step 01
Contribute & Pool
Monthly contributions (as low as $10) go into a shared fund alongside all other investors. Employer contributions stack on top of employee contributions if offered as a benefit.
Minimum: $10/month · No maximum · Portable on job change
Step 02
Invest in S&P 500 Index
The fund is invested in a low-cost S&P 500 index fund, using ETFs managed by Vanguard and Fidelity, and held in custody at U.S. Bank. Full market participation: no return caps, no floors.
Custodian: U.S. Bank · Managers: Vanguard & Fidelity · SEC-registered
Step 03
Early Exit Reallocation
When an investor exits the fund before reaching a payout milestone, their uncollected growth may be reallocated to remaining investors, potentially increasing the fund available at each milestone age.
Exit Rule applies: a portion of capital may be returned on exit. See disclosures for details.
Step 04
Potential Payouts at 80, 85, 90, 95
At each milestone age, investors may receive a cash payout. The structure is designed so that investors who remain longer may be positioned to receive larger potential payouts, though actual amounts depend on fund performance, market returns, and other factors.
Payouts are potential, not guaranteed

The four moments Savvly is built for.

Savvly's Longevity Benefit distributes your accumulated balance as four potential cash payouts: at ages 80, 85, 90, and 95. These are designed to arrive at the moments when traditional retirement savings are most likely to thin out.

The payout structure is weighted toward earlier milestones: 40% of your potential benefit at age 80, 30% at age 85, 20% at age 90, and 10% at age 95, subject to fund terms, market performance, and investor outcomes.

Early exiters' unused capital may be reallocated to those who stay.

Hypothetical illustration only. Payout amounts are not guaranteed and depend on S&P 500 market performance, fund size and investor behavior, contribution amounts, timing, and other factors. The 40/30/20/10% payout schedule is subject to fund terms and investor outcomes. Past performance is not indicative of future results. Investment involves risk, including possible loss of principal. See full assumptions and disclosures at savvly.com/disclosures.

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Hypothetical illustration only. Not a guarantee. Actual outcomes depend on S&P 500 performance, fund behavior, contribution amounts, and timing. Investment involves risk, including possible loss of principal.

How It Compares

Not an annuity. Not insurance. Something structurally different.

Feature Annuity 401(k) Drawdown Longevity Benefit
Potential post-80 income✓ Yes~ Maybe✓ Yes
Full market growth participation✗ Limited✓ Full✓ S&P 500 + Longevity Bonus
Longevity reallocation bonus✗ No✗ No✓ Built in
Exit flexibility✗ Often no✓ Yes✓ Yes
Payout tax treatmentOrdinary incomeOrdinary incomeGenerally qualified; consult tax advisor
Regulated structureState insuranceN/A✓ SEC-registered
Wealth transfer to heirs✗ Often forfeited✓ Yes✓ Shares transfer

* Comparison reflects general structural differences for illustrative purposes only. Features and outcomes may vary. Savvly is an SEC-registered investment adviser. This does not constitute investment, tax, or legal advice. Past performance is not indicative of future results. Investment involves risk, including possible loss of principal.

Who It's For

Savvly's Longevity Benefit works at every level of the benefits stack.

For Employers

Give your employees something to look forward to at 80.

Live in under a week. No discrimination testing. No health screening. Works alongside existing 401(k) plans without replacing them.

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For Financial Advisors

Help your clients protect their financial longevity.

Add a longevity layer to client portfolios. Wealth transfer built in. No insurance license required.

For Financial Advisors →
For Benefit Brokers

The benefit category your competitors don't have yet.

Bring a genuinely new Longevity Benefit to your clients. Simple broker economics. First-mover advantage in an uncrowded category.

For Benefit Brokers →
Get Started

See the numbers for your specific situation.

Book a 30-minute demo and we'll walk through the mechanics, the projections, and how Savvly fits into holistic plans.

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Mechanics FAQ

The questions that actually matter.

How is the Longevity Benefit taxed?
The Longevity Benefit is generally taxed as a qualified account. Tax treatment is based on current law and may be subject to change. Savvly does not provide tax advice. Consult a qualified tax advisor regarding your specific situation.
Is the Longevity Benefit insurance?
No. Savvly is not insurance and is not regulated as such. It is an SEC-registered investment structure - a S&P 500 ETF-based index fund with a Longevity Bonus. Unlike insurance products, Savvly does not involve an insurer assuming longevity risk and does not guarantee any specific payout amount.
How is Savvly different from an annuity?
Traditional annuities provide contractually guaranteed lifetime income but typically involve higher fees, limited market participation, and ordinary income tax treatment. Savvly takes a fundamentally different approach: it is a capital markets structure that provides full S&P 500 participation, and a longevity reallocation bonus, but payouts are potential, not guaranteed. The upside is uncapped; the tradeoff is that outcomes depend on market performance and fund behavior. Consult a qualified tax advisor regarding your specific situation.
How can Savvly complement my 401(k) or IRA?
Savvly is designed to work alongside, not replace, existing retirement accounts. A 401(k) or IRA focuses on accumulation and drawdown through retirement. Savvly addresses what happens after that drawdown period ends: potential income at 80, 85, 90, and 95. Combining both tools may strengthen long-term financial resilience, though outcomes depend on individual circumstances and market conditions.
What happens if I exit the fund before a payout date?
The early withdrawal value is calculated as 75% of your contribution plus an additional 1% for each year held, capped at 100%. This percentage is applied to the lesser of your original investment (excluding any sales load) or its current market value, and is calculated for each remaining scheduled payout. When an investor exits early, their uncollected growth may be reallocated to remaining investors rather than to an insurer. For a full breakdown of assumptions and legal disclosures, please review the fund prospectus.
How does Savvly protect investor money?
Contributions are invested in S&P 500 ETFs managed by Vanguard and Fidelity - two of the world's largest and most trusted asset managers. Assets are held in custody at U.S. Bank, a third-party custodian entirely separate from Savvly. Savvly never directly holds or manages investor assets.
What happens if I change jobs?
Savvly's Longevity Benefit is fully portable. If an investor changes employers, they maintain control of their account and may continue contributing personally. Their employer's contributions will stop, but the account itself, and all accrued potential benefits, remain with the investor. This portability is a key structural difference from employer-tethered benefits.
Are payouts guaranteed?
No. Payouts at ages 80, 85, 90, and 95 are potential outcomes, not guarantees. Actual amounts depend on S&P 500 market performance, fund size and behavior, contribution amounts and timing, and other factors. Savvly is not an insurance product and does not guarantee any specific income or return. Investment involves risk, including possible loss of principal.

Making living a long life a financial reward, not a risk.

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© 2026 Savvly, Inc. SEC-Registered Investment Adviser. Assets held at U.S. Bank. Investments allocated to funds managed by Vanguard and Fidelity.
Privacy Policy·Disclosures·Disclaimer·Terms & Conditions

© 2026 Savvly, Inc. or its affiliates. All rights reserved. Investing involves risk, including possible loss of principal. Carefully consider the Funds' investment objectives, risk factors, and charges and expenses before investing. This and other information can be found in the Funds' prospectuses. Read the prospectus carefully before investing. This material is intended for information purposes only, and does not constitute investment advice, a recommendation or an offer or solicitation to purchase or sell any securities, funds or strategies to any person in any jurisdiction in which an offer, solicitation, purchase or sale would be unlawful under the securities laws of such jurisdiction. In the U.S., this material is intended for public distribution. Prepared by Savvly, Inc. Savvly Advisor, LLC is an SEC-registered investment advisor and fully owned by Savvly, Inc.