Savvly: Your Modern Social Security

Savvly is a Personal Pension that can give you more money for the rest of your life.

How Savvly Works as a Dual Retirement Account

Unlike traditional retirement plans that run out by 80, Savvly extends your retirement payments well beyond that with a unique dual-account system:

Traditional Retirement Portfolio (90%)

  • What it does: Works like any standard retirement account (401k, IRA, or brokerage).
  • How it’s used: Provides regular withdrawals between ages 60-80, covering day-to-day living expenses.
  • Growth strategy: Invested in stocks, bonds, and ETFs for market-driven returns
  • What happens at 80? This portfolio may run low or run out—just as your Savvly fund starts paying out.

Savvly Pension Fund (10%)

  • What it does: A unique Pension-pooling fund designed to pay you beyond age 80.
  • How it’s used: Starts paying out at age 80 and continues until age 95.
  • How it’s used: Starts paying out at age 80 and continues until age 95.
  • Payout Schedule: 40% at age 80, 30% at age 85, 20% at age 90, 10% at age 95
This combination gives you the security and growth of traditional investments with the added benefit of Savvly’s innovative pension pooling mechanism.

Why This Dual-Account System Matters

Traditional Retirement Accounts Have a Major Flaw

Most people withdraw too much or live longer than expected, causing traditional portfolios to run out before they need them most.

Typical 401(k)s & IRAs last between 60-80
❌ After 80, retirees risk financial insecurity

Savvly Extends Your Retirement Beyond 80

With Savvly’s dual-account structure, you never run out of money—your savings cover you until 80, and then Savvly takes over with guaranteed payouts.

Your investments grow like a normal retirement account
You keep earning market returns
You receive pension-style income starting at 80
You get rewarded for living longer

How to get started

You'll always own your pension investments. Your assets are held and kept safe with the largest asset management firms, like Vanguard.

  1. Join the Waitlist

Start your journey by joining our waitlist. By securing your spot, you’ll be first in line when we launch our full services in 2025.

  1. Plan Your Investment

Use the Savvly Planning Tool to determine how you want to invest. Whether you’re aiming to retire early, maximize your monthly payouts, or ensure a lasting legacy, our tool helps you tailor your investment strategy to meet your goals.

  1. Create your Retirement Account

In 2025, you’ll be able to open your retirement account and start investing directly into the Savvly Fund. Your assets will be securely managed by top-tier firms like Vanguard, ensuring they grow steadily over time.

  1. Relax

Once your plan is set and your investments are made, you can relax and watch your savings grow. Your Savvly account is portable, meaning you can take it with you wherever you go—always accessible right from your phone.

  1. Receive Your Pension

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When you reach retirement age, you’ll start receiving monthly pension paychecks. These payments include your investment returns plus a variable bonus from the Savvly Fund, providing reliable income for the rest of your life.

  1. Join the Waitlist

Start your journey by joining our waitlist. By securing your spot, you’ll be first in line when we launch our full services in 2025.

  1. Plan Your Investment

Use the Savvly Planning Tool to determine how you want to invest. Whether you’re aiming to retire early, maximize your monthly payouts, or ensure a lasting legacy, our tool helps you tailor your investment strategy to meet your goals.

  1. Create your Retirement Account

In 2025, you’ll be able to open your retirement account and start investing directly into the Savvly Fund. Your assets will be securely managed by top-tier firms like Vanguard, ensuring they grow steadily over time.

  1. Relax

Once your plan is set and your investments are made, you can relax and watch your savings grow. Your Savvly account is portable, meaning you can take it with you wherever you go—always accessible right from your phone.

  1. Receive Your Pension

When you reach retirement age, you’ll start receiving monthly pension paychecks. These payments include your investment returns plus a variable bonus from the Savvly Fund, providing reliable income for the rest of your life.

  1. Join the Waitlist

Start your journey by joining our waitlist. By securing your spot, you’ll be first in line when we launch our full services in 2025.

  1. Plan Your Investment

Use the Savvly Planning Tool to determine how you want to invest. Whether you’re aiming to retire early, maximize your monthly payouts, or ensure a lasting legacy, our tool helps you tailor your investment strategy to meet your goals.

  1. Create your Retirement Account

In 2025, you’ll be able to open your retirement account and start investing directly into the Savvly Fund. Your assets will be securely managed by top-tier firms like Vanguard, ensuring they grow steadily over time.

  1. Relax

Once your plan is set and your investments are made, you can relax and watch your savings grow. Your Savvly account is portable, meaning you can take it with you wherever you go—always accessible right from your phone.

  1. Receive Your Pension

When you reach retirement age, you’ll start receiving monthly pension paychecks. These payments include your investment returns plus a variable bonus from the Savvly Fund, designed to provided reliable income for the rest of your life.

Benefits of Savvly Pension

Lifetime Income

Predictable monthly payments for life, and access to cash anytime.

Market Growth Potential

Your funds grow with the market with a low-cost ETF portfolio.

Low Fees

Experience the advantage of our low fees at only 50 basis points, ensuring you keep more of your investment returns while enjoying premium services.

Inflation Protection

Payments adjust based on market performance. The market historically grows faster than inflation, which can protect you in the long run.

Beneficiary Protection

Like a regular brokerage account, you can pass down your money to your heirs.

Risks and What We’re Doing to Mitigate Them

Market Performance Risk

While Savvly relies on market performance, diversification across  multiple low-cost index funds helps reduce volatility over time.

Longevity Risk (Living Longer Than Expected)

Savvly pension pooling mechanism ensures long-life bonuses support those who live longer, providing extra income during later years.

Liquidity Restrictions for the 10% portion invested in the Savvly Fund

To maintain the integrity of the pooling system, early withdrawals of  the portion of your investment in the Savvly Fund may apply. However, we allow you to access your funds in emergencies with transparency around  penalties.

Licensed Advisors

Savvly is a Registered Investment Advisor with the SEC., ensuring  fiduciary responsibility. Your assets remain in your possession, held by our custodians (Apex and Interactive Brokers). Even in the unlikely  event that Savvly fails, you remain in possession of your account.
‍Your investments are held by a third-party custodian (e.g., Vanguard or Apex), ensuring safety and transparency.

Assets Under Management

The 90% of assets that are not invested in the Savvly Fund are covered by a 0.5% annual advisory fee.

Savvly Fund

The assets in the Savvly fund are managed by Savvly but do not have an additional advisory fee. Read the Savvly Fund prospectus for all fees.

How Does Savvly Make Money

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, 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.