Project Savvly Lump-Sum Investment
project_savvly_lumpsumProject retirement income from a lump-sum investment by comparing Savvly's Longevity Benefit Fund payouts to market-only withdrawals at ages 80, 85, 90, and 95.
Instructions
Retirement projection for a lump-sum investment in Savvly's Longevity Benefit Fund. Returns payout amounts at each milestone age (80, 85, 90, 95) with Savvly vs market alone cumulative totals, per-age breakdowns, and server-provided _lower/_upper range bounds. Use _upper as the central illustrative estimate and _lower to communicate downside. 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 Savvly's Longevity Benefit Fund; 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 Investor 1 receives as a payout from Savvly. The payout_market_alone_* and total_market_alone_* figures are therefore what Investor 2 can actually withdraw to match Savvly's payouts before running out — they fall to 0 once the market alone portfolio is depleted. 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. 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). MCP-Apps-capable hosts render it inline and editable; other clients render only your text and show no chart. Do NOT draw, generate, or render your own chart, graph, or table of these numbers — there is no fallback chart for you to build, so never produce a duplicate. 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 chart only conditionally (e.g. 'if your client shows the interactive chart, its fields are editable to re-run the projection'). 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) | |
| funding_amount | No | Lump sum investment in USD (default 10000) | |
| average_return | No | Expected average annual S&P 500 return % (default 8) | |
| 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. | |
| 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. | |
| 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. | |
| metadata | Yes |