Savvly is a personal pension plan that can provide you with more money for the rest of your life.
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Savvly helps remove much of the uncertainty from retirement planning. A small investment can provide lifetime payouts, offering market returns on your investment along with a long-life bonus.
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With Savvly, you can rely on a predictable monthly paycheck throughout retirement. Savvly’s design is built to provide consistent income, helping you plan your financial future more confidently, even considering market fluctuations.
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Savvly is built to help ensure your retirement savings last as long as you do. It provides a sustainable solution to protect against outliving your savings.
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Savvly offers a way to retire earlier without compromising your financial security. By investing in Savvly’s pension solution, you can potentially retire sooner while still enjoying a steady stream of income in your later years.
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With Savvly, you may not need to contribute as much to meet your retirement goals. Savvly helps stretch your savings further, allowing you to enjoy more flexibility in your monthly budget while planning for a sustainable retirement.
Savvly isn’t just an investment tool—it’s a complete retirement account designed to take the guesswork out of planning for your future. Whether you need a brokerage, IRA, or Roth IRA, Savvly has you covered. We automatically invest your assets, so you don’t have to worry about choosing where your money goes.
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No need to pick and choose—Savvly allocates your portfolio across bonds, equities, indexes, and more based on best practices.
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Up to 10% of your retirement account goes into Savvly’s unique fund, which helps enhance your retirement income and provides a personal pension.
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Savvly can serve as your primary Brokerage, IRA or Roth IRA account, helping you grow your savings tax-efficiently.
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Your investments happen behind the scenes, letting you focus on your life while your retirement grows.
At Savvly, we believe in giving you full control over your retirement. That’s why our personal pension is designed with flexibility in mind—you’re never locked in. You can adjust your contributions, decide when to start receiving your pension, or even withdraw your funds early if your plans change.
Increase or decrease your monthly contributions based on your current financial situation.
Choose when to start receiving your pension (decumulating your account) and whether you want to retire early or later.
Need access to your funds before retirement? You can withdraw your savings early, but be aware that IRAs and Roth IRAs incur penalties for withdrawals made before age 59.5.
Your retirement plan with Savvly adapts to your life, so you’re never stuck or restricted.
You'll always own your pension investments. Your assets are held and kept safe with the largest asset management firms, like Vanguard.
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.
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.
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.
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.
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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, designed to provided reliable income for the rest of your life.
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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.
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.
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.
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.
Savvly is open to anyone. The minimum investment starts at $100/month, and there is no long-term commitment.
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.
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.
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.
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.
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.
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.
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.
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