Project Savvly Lump-Sum Investment
project_savvly_lumpsumProjects lump-sum retirement payouts at ages 80, 85, 90, and 95, comparing Savvly Longevity Benefit income with market-only withdrawals for planning and annuity alternatives.
Instructions
Retirement projection for a lump-sum investment in the Savvly Longevity Benefit. Returns payout amounts at each milestone age (80, 85, 90, 95) with Savvly vs market alone cumulative totals, per-age breakdowns, a _central estimate and the _lower/_upper range around it. Use _central as the single estimate and _lower/_upper to show the range. Suitable for retirement income planning, annuity alternative analysis, and longevity benefit illustration. Response embeds SEC-style disclaimers and per-field interpretation hints under metadata. Payout methodology — Savvly vs market alone: the payout values are calculated by comparing two investors of the same age committing the same principal. Investor 1 invests in the market with the Savvly Longevity Benefit; Investor 2 invests in the market alone (no longevity overlay). To make the comparison apples-to-apples, at each milestone age (80, 85, 90, 95) Investor 2 withdraws from their market alone portfolio the same dollar amount as the central estimate of Investor 1's Savvly payout. The payout_market_alone_* and total_market_alone_* figures are therefore what Investor 2 can actually withdraw to match Savvly's central payouts before running out — they fall to 0 once the market alone portfolio is depleted. It is one series, so their _lower and _upper fields are equal. The savvly_upside_* (and total_savvly_upside_*) fields quantify how much more total money Investor 1 receives in payouts from Savvly than Investor 2 is able to withdraw over time to match those payouts: _central is the single estimate, and _lower can be negative at the early milestones, where market alone still matches the central payout. DISCLOSURE REQUIRED: display disclosure.text verbatim and link disclosure.url to the user alongside any figures from this response. Required by SEC Marketing Rule and FINRA Rule 2210 — do not paraphrase or omit. VISUALIZATION: this tool emits an interactive chart widget (MCP Apps — see _meta.ui) that the HOST renders inline and editable; other clients render only your text and show no chart. That widget is the canonical chart for these numbers: do NOT draw, generate, or re-render a duplicate of it. You MAY still create your OWN, DIFFERENT visualization (e.g. a table or an alternate breakdown) and place it wherever you judge best — only the MCP App widget's position is constrained. Do NOT claim or imply a chart is visible (avoid 'the chart above shows…'); you cannot tell whether the host rendered the widget. Summarize the key figures in prose and show the disclosure text and link, and reference the widget only conditionally (e.g. 'if your client shows the interactive chart, its fields are editable to re-run the projection'). ORDER: BEFORE you call this tool, ALWAYS write at least one short lead-in paragraph (1-3 sentences) framing what the projection will show — do NOT invent specific figures you do not have yet. On hosts that render the widget inline at the tool call, this keeps your text ahead of the chart so the widget is never the first thing shown; THEN call the tool (this lead-in is framing, NOT asking the user for inputs — still call it in the same turn without waiting) and give the grounded figures + disclosure after it returns. This lead-in rule applies to the MCP App widget only; any visualization you create yourself may appear wherever you judge best. INPUTS: every parameter is OPTIONAL and defaults to a sensible value. Call this tool IMMEDIATELY — pass only the values the user explicitly stated and omit the rest. Do NOT ask the user for starting values, assumptions, or missing parameters before calling; the rendered widget has editable fields so they adjust age, amounts, and other assumptions inline after it appears.
Input Schema
| Name | Required | Description | Default |
|---|---|---|---|
| current_age | No | Investor's current age (default 40). Min 18 (the projection matrix floor); max 75 (max enrollment age) | |
| average_return | No | Expected average annual S&P 500 return % (default 8) | |
| funding_amount | No | Lump sum investment in USD (default 10000). Min 100 (the product minimum); max 1,000,000 (the projection model's input limit, not an investment limit) | |
| withdrawal_age | No | Early-withdrawal age (default 82) — drives `early_withdrawal_value` and `total_payout_at_withdrawal_age_*` in the response |
Output Schema
| Name | Required | Description | Default |
|---|---|---|---|
| inputs | Yes | Echo of the validated input arguments passed to the tool. | |
| result | Yes | Raw projection envelope returned by the upstream estimator. | |
| summary | Yes | Convenience summary including a human-readable narrative. | |
| metadata | Yes | ||
| disclosure | Yes | DISCLOSURE REQUIRED: display `disclosure.text` and link `disclosure.url` to the user whenever you present any number from this response. Required by SEC Marketing Rule and FINRA Rule 2210. The richer block under `metadata.disclaimer` is supplementary detail; this top-level field is the must-display. | |
| visualization | No | Recommended chart for this projection — a grouped bar chart of the milestone payouts in `result.payout_age_dependent_values` (Savvly vs market alone). Render it when the surface can display a graph. |