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The Fast Track to FIRE:

Let's get fired up

Are you intrigued by the stories of people making drastic lifestyle changes to retire early and achieve financial independence?

The FIRE (Financial Independence, Retire Early) movement has captured the imagination of many, but achieving these goals isn't always as straightforward or realistic as it seems.

That's where Savvly's Fast Track to FIRE Guide comes in.

Why this guide?

Understanding the FIRE movement: Get a thorough overview of what FIRE is and why it's inspiring people worldwide.

Core principles: Learn the fundamental principles that drive the FIRE movement.

Identifying shortcomings: Discover the potential pitfalls and unrealistic expectations that can come with FIRE.

Alternative options: Explore more balanced approaches that can allow for financial independence without sacrificing quality of life.

Intro to Savvly: Find out how Savvly’s innovative, market-driven pension can be a cornerstone of your FIRE strategy, helping provide flexibility and security for your future.

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Retirement is a boring industry that hasn't seen much change in the last 50 years  — until now. Subscribe for untapped investing tips and fresh finance takes — plus exclusive sneak peeks into Savvly, the world's first market-driven pension that's going to disrupt the boring retirement industry.

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The investment

Annuities

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

The investment

Annuities

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

The investment

Annuities

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

Frequently asked questions

What makes Savvly work?

When some investors withdraw or pass away early, their market returns (and potentially a small fraction of their initial investment, based on the 75%+1% for each year formula) are reallocated to other investors. This can result in long-term payouts with greater returns than the market alone.

What type of investment is Savvly?

Savvly is an alternative investment structured as a Limited Partnership.
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Savvly is not an insurance policy or annuity. There is no insurance company taking profits. Instead, that money is reallocated to the Savvly investors.
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Savvly is not a traditional investment fund. Assets are invested in a fund that tracks the market: Vanguard S&P 500 ETF (VOO). Savvly does not manage this fund. It is held by a third-party custodian, Interactive Brokers.

Is Savvly investing my money?

No. Savvly is not a traditional investment fund. Savvly does not buy and sell investments for return.

Instead, money is invested in a low-cost ETF fund: Vanguard S&P 500 ETF (VOO). This investment in VOO is held by a third-party custodian, Interactive Brokers, which ensures the integrity and security of the investment. Savvly’s role is to manage the payouts and the reallocation mechanics among Savvly investors.

How does Savvly secure funds?

Investments are held securely in a Limited Partnership owned by the investor and the other participants, not by Savvly. Investors' money is not on Savvly’s balance sheet. Via the Limited Partnership, investors retain ownership of their funds. 

What happens if something happens to Savvly?

In the highly unlikely case Savvly ceases operations, ETF shares including any market gains and Savvly bonus will be transferred back to the investors.

What is the investment minimum?

The minimum investment is $100.

How much should someone invest in Savvly?

For most people, we recommend investing no more than 10% of your total portfolio in Savvly.

How much of my initial investment goes into the Savvly pension?

When a new participant invests, their entire investment goes into the Savvly pension system. Tiny fractions of cash may remain uninvested, but still allocated to each participant.

Which accounts are eligible?

Participants should use after-tax funding sources for investments from their bank accounts.

How does Savvly estimate payouts?

Savvly estimates payouts through the same actuarial science insurance companies use, but with enhanced benefits for investors. Similar to traditional pensions, the longer you live, the more you can get over time.

Are there medical requirements?

No. There is no medical exam required and investor payouts are not impacted whatsoever by medical history. However, do not invest in Savvly if you expect a short life.

What if I withdraw or pass away before the payout age?

In the case of early withdrawal, investors or their beneficiaries will receive back 75% + 1% for every year invested, applied to the initial investment or its current market value, whichever is less.

The rest, including any market gains will be reallocated to the Savvly investors.

Is there an option for couples?

Yes! Couples can invest in Savvly independently as long as the total amount invested meets the minimum requirement.

Minimum investment period

The investment must be held for at least five years, and the minimum payout ages are 75 (men) and 80 (women). Investing when you are young is expected to provide the best benefits.

When and how is my payout received?

Standard payout ages are 75, 80, 85 and 90 for men, and 80, 85, 90 and 95 for women who are expected to live longer lives.

By speaking with a Savvly specialist, some participants may choose their own payout age. It can be any age 70+ for men and 75+ for women, provided a minimum investment hold period of five years. The Savvly specialist can help you select your payout age based on your individual needs. Selecting your own payout age may require higher minimums and consultation with a Savvly specialist (no application)

Why has nobody offered this before?

Savvly’s new model for longevity risk protection was inspired by a new wave of regulations, such as the Secure Act, which aims to help Americans experience greater prosperity in their later years.
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Who can invest?

Savvly is currently available to accredited investors. You qualify if at least one of these applies to you:

You earn $200k/year or more

You and your spouse earn $300k/year or more

You have a net worth of $1M or more

You are an investment professional

But it's important to know, we're working hard on making Savvly available to all investors very soon.

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Life is Rich Roundup

Retirement is a boring industry that hasn't seen much change in the last 50 years  — until now. Subscribe for untapped investing tips and fresh finance takes — plus exclusive sneak peeks into Savvly, the world's first market-driven pension that's going to disrupt the boring retirement industry.

Learn More

The investment

Annuities

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

The investment

Annuities

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

The investment

Annuities

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