Frequently Asked Questions

A smart, research-based way to decide how much of your money should go into stocks vs. safer investments—based on risk, expected returns, and your goals. It's not about timing the market. It's about sizing your investments in a disciplined way.

Not at all. It's like passive investing, but with built-in risk awareness. You're still invested in low-cost index funds, just in a way that reflects your personal risk level and market conditions.

It's based on economic research developed by a Nobel Prize–winning economist. It's the same logic used by many institutions—but adapted for individuals.

Traditional pensions were offered by employers. Pension 2.0 is independent—it's yours. You contribute, we manage it professionally, and when you're ready, you get monthly income just like a pension.

Yes! Pension 2.0 is designed to work with your other retirement accounts. It fills the gap that most modern plans leave open.

We do. Your money is invested using a professional, research-backed framework—like how university endowments manage their portfolios.

We're launching in phases:

AutoSave – Helps you save automatically from your paycheck
Pension Builder – Adds smart investing to grow your wealth
Payout+ – Turns your savings into monthly income when you stop working

AutoSave: $4.99/month
Pension Builder: 0.88% of your balance
Payout+: 1.10% of your balance

Right now, we're testing interest and collecting waitlist signups—no payments yet.

No. By joining the waitlist, you're just reserving your spot. You won't be charged until we're ready to launch and you opt in.

Once you stop working, Payout+ automatically sends you monthly income—optimized to last your lifetime and protect your future.

Unlike traditional pensions, your funds stay liquid. You can withdraw anytime, though we encourage a long-term mindset.

You can start small—like $1 for every hour you work—or save the fully optimized amount we calculate for you.

Your funds are held with a regulated, secure custodian. We never touch your money directly.

We partner with institutional-grade portfolio managers and apply the Merton Method to guide decisions.

It's something new: a system that gives you the structure of a pension, the freedom of a personal account, and the intelligence of world-class research.

Click "Join the Waitlist" anywhere on the site. It takes under a minute.

We'll keep you updated. You'll be the first to know when AutoSave is live, and you'll lock in early access pricing.

Coming soon! Early members will have access to a referral program.