Savvly helps remove some of the uncertainty out of retirement planning. Just a tiny investment can give you lifetime payouts made up of your investment's market returns plus a long-life bonus.
It’s an alternative investment that can pay you market returns and long-life bonuses.
It’s not an insurance policy. It can provide significant payouts while you’re still alive.
It’s a tax-efficient way to hedge against future expenses, built on a tiny fraction of your portfolio.
It’s not an actively managed fund. It’s a private investment in an ETF that tracks the S&P 500.
It can give you long-term financial security at a fraction of the cost of alternatives.
It’s not an annuity. But it can still provide a sizable income stream for long-term protection.
Payouts can replenish your account balance over time, helping ease your retirement worries.
Uniquely designed to reallocate early withdrawal fees as a bonus to those who live long lives.
Even if the market goes down, there's a second source of return that can provide an upside long-term.
Investing starts at $100/mo, with no long-term commitments. Start, stop, or change amounts anytime!
Assets are invested in leading low-cost ETFs by the largest asset management companies in the world.
Savvly is taxed as a long-term gain so you and your beneficiaries can keep more of your investment.
In-kind distribution: Savvly payouts are distributed in-kind, meaning they are not taxed until the shares are sold.
Long-term capital gains: Savvly is taxed at the long-term capital gains tax rate.
Tax basis step-up: A basis step-up can greatly reduce the taxes beneficiaries owe. For example, if a client holds all their shares until they pass away, their family may not need to pay income taxes on the profit.
Minimum
Investment:
$100/mo. Change or
stop anytime.
Management
Fees:
0.5% (50 bps)
annually.*
Return on
Investment:
Returns of index fund plus the Savvly bonus.
Easily link your bank account to invest with after-tax money. Set up a monthly draw or invest just once.
Your money, alongside other Savvly investors’ contributions, is automatically invested in a low-cost ETF that tracks the S&P 500.
You retain ownership of your investment and its market performance.
When you reach your payout ages, you’ll get a payout that consists of your investment's market returns and your Savvly long-life bonus.
Just like a traditional pension, the longer you live, the more you can get over time.
Payouts are designed to return 2-3x more than investing in the same funds on your own, as long as you live until your payout ages and do not withdraw early.
When some investors withdraw or pass away early, their market returns (and potentially a small fraction of their initial investment) are reallocated to other investors as the Savvly bonus.
Savvly estimates payouts through the same actuarial science insurance companies use, but with enhanced benefits for investors.
If an investor withdraws or passes away before their payouts start, they or their beneficiaries would receive the majority* of their investment back. Their market returns would be reallocated.
Your investment is always held with the largest asset management firms, like Vanguard.
Your ETF shares are held in custody not by Savvly, but by an independent third-party custodian, Interactive Brokers.
Your assets are never on Savvly's balance sheet. If something happens to Savvly, you'll get your investment back.
As with any other investment, investing in Savvly carries some risk.
If a client withdraws early or passes away before receiving they or their estate will receive 75-100%* of their investment back. All investment gains are reallocated to other Savvly investors. For example, if an investor takes early withdrawal after 10 years, they get 85% of their investment back.
Client assets are invested in Vanguard VOO, an S&P 500 index fund with expected market fluctuation and growth over time. Even though markets have historically grown long-term, growth is not guaranteed. The client always retains ownership of their investment, however, even the largest asset managers such as Vanguard may have unexpected outcomes.
Savvly estimates client returns with actuarial science, the same science insurance companies have been using for years. Early withdrawal assumptions may be different than what was estimated, resulting in a smaller or larger long-life bonus. While market performance has a higher impact on returns than actuarial assumptions, results may very.
Explore these hypothetical examples of how investors use Savvly to reach their retirement goals.
At 75, he can get payout of $98k. At 80, he can get $132k. At 85, he can get $184k. And at 90, he can get $252k for a total of $666k!
That's $451k more than what he could get investing the same market-tracking ETF on his own!
Knowing he can expect long-term payouts to replenish his accounts, Matt can retire 3 years early at 62, and still have money by age 100.
Download the app and find out how Savvly can help you reach your retirement goals.
Download AppAssumes S&P average growth of 8% per year.
Beth has $500k saved for retirement and can expect $18k annually in Social Security. With annual expenses of $50k, she could run out of money at 97.
But with her $50k investment in Savvly, she can get long-term payouts that total $672k. At 80 she can get $82k, at 85 she can get $115k, at 90 she can get $176k, and at $95 she can get $298k.
With Savvly, Beth could boost her spending by 20% to $60k each year and still have $220k left at age 100!
Download the app and find out how Savvly can help you reach your retirement goals.
Download AppAssumes S&P average growth of 8% per year.
By the time Ray turns 90, he could receive a total of $1.4M across four payouts, compared to just $496k if he invested in the market on his own.
If he leaves the $1.4M in his estate, once the shares are inherited, the tax basis could potentially be stepped up from $120k to $1.4M. This means Ray's family may not pay long-term capital gains tax on the profit of $1.2M or more!
Download the app and find out how Savvly can help you reach your retirement goals.
Download AppSavvly | Savings account | Annuity contract | Investment fund | Long term care | |
---|---|---|---|---|---|
Provides market returns | Depends | ||||
Potential market upside | |||||
Manages longevity risk | |||||
No credit risk | |||||
Provides tax advantages | |||||
No medical exam required | Depends |
Another way to add long-life protection is through buying an annuity. This investment option is popular for good reason — it provides a regular monthly income on top of Social Security. Download the guide to see how Savvly stacks up!
Compare NowSavvly 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.
Download AppNow more than ever, in the wake of inflation, supply chain disruption, wars, and the rise of AI, there are no shortage of factors impacting the global economy. This guide will not only educate and refresh your memory on the fundamental principles of investing, but also enlighten you with some expert tips that are often overlooked.
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