Savvly—The First Dual Retirement Account

Savvly combines traditional investing with a pooled fund that pays out more the longer you live. It is like the opposite of life insurance.
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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.

Dual Retirement Power

One account. Two purposes. More flexibility.

Savvly is designed to allocate 90% of your contributions into a traditional market portfolio, giving you the potential for growth, while 10% goes into the Savvly Fund—a community-powered account built to begin payouts starting at age 80. This approach may help provide both early and late retirement income, offering a more comprehensive solution than single-layer retirement plans.
Plan Your Savvly Retirement

Lifetime Income

A backup plan for life after 80.

Many retirement accounts are structured around a traditional timeline, but Savvly was built with longer lifespans in mind. The Savvly Fund is designed to begin making structured payouts every five years starting at age 80, helping to provide income during the later stages of life. This may offer added peace of mind during a time when many people face rising costs and diminishing income sources.
Plan Your Savvly Retirement

Save Less, Get More

Efficiency through community-powered planning.

Savvly’s pooled structure helps create a unique redistribution effect. When users leave early or pass away before payouts begin, their unclaimed funds stay in the pool. That surplus is then redistributed to users who remain, potentially enhancing their payouts. This structure is designed to allow some users to contribute less—sometimes up to 30% less—and still work toward their retirement income goals.
Plan Your Savvly Retirement

Savvly has your back

Monthly Paycheck

A structured income stream for life

Savvly is designed to provide predictable payouts starting at your retirement, ensuring you have income for the rest of your life

Unlike traditional investments that require you to manage withdrawals, Savvly’s longevity-based payouts offer added financial security.
Retirement Boost

Your retirement savings, extended

Savvly is built to supplement your traditional retirement portfolio, helping your money last longer.

Every five years after 80, your payouts can grow, supporting you through the later years of retirement.
Wealth Transfer

A smarter way to secure your family's future

If you don’t use all of your funds, remaining assets are directed to beneficiaries, ensuring your loved ones are taken care of.* Savvly helps create financial stability across generations.

*Wealth transfer options depend on account rules and individual circumstances. Please review terms for details.

Flexibility

No lock-in contracts

Life happens. Whether you need to access funds early or adjust contributions, Savvly offers options to fit your financial journey.* You have the freedom to make choices that align with your retirement goals.

*Terms and conditions apply. Early access may be subject to specific fund rules or limitations.

Savvly simplified

01
Invest
Contributions are split: 90% in traditional investments, 10% in the Savvly Fund.

Contributions can start with as little as $100/month
02
Grow
Market returns help grow savings, while Pension Fund creates extra payouts.
03
Traditional Portfolio Payout
Provides regular withdrawals between ages 60-80, covering day-to-day living expenses
04
Pension Fund
Payout
Starts paying out at age 80 and continues until age 95.

Your free retirement planning calculator

It's easy to get started

Setting up your Savvly account is simple, secure, and takes just minutes.

Create Your Account

Sign up online with basic personal information.

Connect Your Bank

Securely link your bank account using best-in-class encryption.

Start Contributing

Begin with as little as $100 per month.

Frequently asked questions

What is Savvly and how does it work?

Savvly is a modern personal pension solution designed to help you secure your retirement. The pension portfolio consists of low-cost index funds from leading asset managers like Vanguard, along with up to 10% invested in the Savvly Fund. 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 Pension and Savvly Fund?

The Savvly Pension is structured as a personal retirement account that includes 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 Pension?

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 Pension?

We recommend contributing as much as you feel comfortable investing in your retirement. When the Savvly Pension 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 Pension in our standard brokerage account.

What Kind of Accounts Can I Use to Invest?

Good news. The Savvly Pension 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 Pension 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.