"Life insurance pays your family if you die young. Savvly pays you when you live a long life. Therefore, you can spend more money now knowing Savvly helps cover you long-term."
- Dario Fusato, Chief Executive Officer & Co-Founder of Savvly
Unique tax benefits can increase your net worth and leave more money behind to family or charity
Long-term payouts consist of both market gains and uncorrelated long-life bonuses
Helps you spend more now with peace of mind knowing you'll have more money coming later
It’s an alternative investment that pays market returns and uncorrelated bonuses when you live a long life.
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.
Savvly late-life payouts can give you 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.
The Savvly ONE fund is 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
Savvly fees are just 0.5% annually.* Refer to the Private Placement Memorandum for a comprehensive view of terms, which may include transaction fees associated with liquidation events.
Invest as much and as often as you want. Minimum investment is $100/mo or $1,000 one time. For a limited time, new clients can withdraw from Savvly with no early withdrawal fees for the first two years.
Be sure to download our mobile app to learn even more about Savvly, play out scenarios with the estimator, and view your Savvly balance.
Starting is easy. Set up a monthly draw or invest a small fraction of your savings just once.
Your money, alongside other Savvly investors’ contributions, is automatically invested in a low-cost ETF that tracks the S&P 500.
The market dictates performance with returns building over time.
Investing is currently available to accredited investors.
When you reach your predetermined payout ages, you’ll get your payout in ETF shares.
Similar to traditional Social Security, the longer you live, the more you can get over time.
Your payouts consist of your original investment, its market returns, and your Savvly long-life bonus.
Savvly long-term payouts are designed to return 2-3x more than investing in the same funds without Savvly, as long as you live until your payout ages and do not withdraw early.
You’ll get in-kind returns, i.e. appreciated ETF shares so there is no tax event until liquidation. You can take advantage of the long-term capital gains tax rate.*
When some investors withdraw or pass away early, their market returns (and in some cases, potentially a small fraction of their initial investment) are reallocated to other investors.
Savvly estimates payouts through the same actuarial science insurance companies use, but with enhanced benefits for investors.
The Savvly long-term bonus is uncorrelated with the market and comes from the reallocation of residual funds from early withdrawals.
If an investor withdraws or passes away before their planned payouts start, they or their beneficiaries receive 75% of their initial investment + 1% for every year with Savvly. Their market returns (and any remaining portion of their principal, if applicable) are reallocated to the other Savvly investors.
By taking on this minor risk with a tiny portion of your portfolio, you can invest more aggressively in the short-term while protecting yourself long-term.
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.
Savvly is an alternative investment structured as a Limited Partnership.
Savvly does not manage the investment fund. Our role is to manage the payouts and the reallocation mechanics among Savvly investors.
* Savvly does not provide tax advice; please consult your tax professional.