Secure a rising lifetime income and strap in for a long and prosperous retirement.
MyTontine is a web and mobile app that enables users to create their own bespoke lifetime income pension, enabling them to look to the future with confidence.
We use state-of-the-art technology, applied mathematics, and machine learning to perfect what is increasingly recognised as the most sustainable and best value pensions in the world.
Our pensions pay a monthly income until age 120 if you plan on living that long.
Your income is expected to rise faster than inflation due to our unique 'tontine' credits.
Our flat 1% annual fees are substantially lower than the costs of a life annuity.
The trust provides full visibility over the safety and sustainability of your income at all times.
The trust adheres to the safety standards of the latest European Union pension directives.
All personal identities and financial data are secured using advanced cryptography.
Our 'PEPPs-as-a-Service' platform enables providers and governments to offer modern pensions to the standards advised by the OECD.
Your members will relish the opportunity of a 100% sustainable lifetime income in retirement.
To help everyone enjoy a long and prosperous retirement by creating a pension that's fit for an ageing population.
By turning retirement savings into affordable lifetime income streams, we will ensure that the long-lived will never end up destitute in old age because they outlived their savings.
Our goals are to:
In the 1980s, the pensions industry switched from providing the preferred lifetime income pensions to basic drawdown accounts.
In the forty years since, the greatest innovation has been to offer drawdown accounts on mobile.
In the EU alone, 75 million people will retire this decade with zero certainty of how much they can afford to drawdown and spend every year.
TontineTrust solves the problem and enables savers to retire with confidence in their financial future.
Our scalable platform enables full lifetime income pensions in any currency or country, enabling emerging economies to leapfrog developed nations to provide the new gold standard of pensions.
Why this is the future of pensions:
Once you become a 'Tontiner', you will discover that the best way to get the most out of your pension is to take better care of your health.
Traditional annuities are relatively expensive because their issuers must hold a large capital buffer. Retired people tend not to like them as they pay a low rate.
Mortality credits enables investors to earn a type of guaranteed “alpha” not available in any other asset class. As you age and your mortality rate increases (e.g. 10% at age 80) then you are effectively earning this as a rate of return.
Compared to a traditional annuity you can explain tontines in two pages rather than 30-40-50.
What better product for our era than a crowd-sourced, peer-to-peer, sharing economy life insurance solution.
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