Tontine Trust Lifetime Income Pan-European Pensions

The 'Perfect Pension' has arrived

Consumers want a 'Perfect' pension which:

Ensures a Lifetime Income,
That Rises Faster than Inflation &
Which charges Very Low Fees.

Only one pension is proven to safely & sustainably offer all of these benefits. It was invented 400 years ago & is known as a 'Tontine' (🔈 tonn-teen).

We are the world's leading issuer of modern tontine pensions for savers, institutions, employers & states.

We are the world's 1st RetireTech

Since 2017 we have been researching how to use technology to solve what Nobel Prize Winner Bill Sharpe described as "the nastiest hardest problem in finance" which is:

How quickly can I spend my savings in retirement without ever facing the risk of running out of money in old age?.

After 3 years of research & development, TontineTrust has solved the problem & is now offering the solution to savers & partners through our award winning platform for issuing & operating collective tontine-style personal pensions.

We are a pensions firm & a tech platform

Backed by Enterprise Ireland, the firm now employs 20 people & is setting a new benchmark for trust in pensions by using state-of-the art technology to enable simple, safe, low-fee lifetime income pensions.

Following the initial launch of the MyTontine PEPP, we will offer our PEPPs-as-a-Service platform to enable Tontine Pensions to be offered by other ethically aligned fiduciary-minded organisations.

Why we did this

When you reach retirement, you go from saving to spending.

Not all retirees will live into their 90s but every one of them is fearful of spending their savings just in case they do.

And when you do live into your 90s, there is a very real risk that your money will run out.

Rather than spending every day worrying about this, 84% of savers want to secure a lifetime income but annuities just don't offer good value for money.

A simpler & more affordable answer is to join a Tontine which pays you a monthly income for life that rises over time.

The Simple Solution

A retiree would never bet their whole retirement portfolio on the performance of a single stock yet they currently bet their whole retirement plan on predicting how long they will live for.

In each case, they can dramatically lower their risk through diversification, i.e. spreading the risk.

For 400 years, Tontines have enabled savers to solve their risk of living longer without ever having to worry that their monthly tontine income will ever run out.

This way everyone finally gets to relax & enjoy their hard earned retirements.

How It Works

What do the experts say?

Tontine Trust & Tontines are receiving more & more endorsements from Financial Scholars, Institutions & the Financial Media

A tontine resembles a simple low-fee annuity with lifetime payments. Yet unlike an annuity….a tontine can pay a higher yield because of its relative simplicity of structure.
Prof. Moshe Milevsky

Love the idea of tontines. They solve so many problems for retirees. These guys are bringing them back... super interesting.
Raoul Pal, CEO Real Vision TV

Mortality credits enable investors to earn a type of guaranteed “alpha” not available in any other asset class. As you age and your mortality (risk) increases (e.g. 10% at age 80) then you are effectively earning this as a rate of return.
Wall St. Journal MarketWatch

Tontines pose less risk to members than conventional annuities since there is no contractual obligation on payout, no counter-party risk and no need for insurance-company reserves.
The Spectator Magazine

Considered as a life-cycle asset, [a tontine] proved to be an excellent investment, earning a rate of return substantially in excess of that generally available on other assets.
Profs Ransom & Sutch, The Journal of Economic History, Cambridge University Press

(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. Tontines are simple to understand and could be much less costly than annuities because the risks are not taken onto the balance-sheet of an insurer.
The Economist Magazine

You get thrown 30-, 40-, 50-page documents explaining some kind of annuity using this particular background, and 12 different kinds of investments that feed into it, and your eyes gloss. By comparison…the tontine is unbelievably simple — you can explain it in two pages.
Kent McKeever, Columbia Law School

The Tontine: A 17th Century Solution to a 21st Century Problem...What is insurance except a pool of people coming together to share risks? What better product for our era than a crowd-sourced, peer-to-peer, sharing economy life insurance solution.
The Huffington Post

Interviews & Videos

Real Vision TV's Max Wiethe interviews Dean

Real Vision - Meet the Experts: Can Tontines Fix the Retirement Crisis?

The OECD talks up the advantages of Tontines

The OECD Head of Pensions talks about Tontines in the context of their recent Future of Pensions Report guidance given to their 37 member countries.

Slot Leader talks Tontines with Dean

Former EBRD & IFC Advisor Umed Saidov discusses how to make pensions trustworthy again with the CEO of TontineTrust

TontineTrust in the News

MallowStreet.com: Are tontines the solution to the decumulation conundrum?

Catherine Donnelly, associate professor at Heriot-Watt University and a fellow at the Institute and Faculty of Actuaries, is a proponent of the vehicles. “Anyone who works on them says, ‘Why wouldn’t you be offering them?’” she says. Tontines address the issue of people not knowing when they will die whilst also not being interested in buying annuities – something referred to as the ‘annuity puzzle’, says Donnelly.

Forbes.com: Fintech's Answer To The Global Retirement Crisis

Fintech innovators (TontineTrust) have the multi-trillion-dollar global retirement income market in their sights. ... Tontines can never become underfunded!... Consumer choice is good for society. Let’s bring tontines back, better than ever.

IPE.com: Irish fintech company prepares PEPP move

Tontine Trust has partnered with Dutch consultancy Westerbrink to help with the planned launch of the product and with expanding to markets beyond Ireland, where the fintech company aims to launch its pan-European product first.

Why accept a drawdown account when you can create your own tailor-made pension?

Our Digital Pension Platform enables regular consumers to create their own bespoke 'DIY' pensions and to know with extremely high precision what their level of lifetime income in retirement will be.

Our soon to be launched Pension Calculator will enable you to understand & compare your various retirement savings options.

Sunlight is the best disinfectant

We are active advocates for absolute transparency in financial services & pensions.

When you trust your life savings to a financial institution, you are entitled to know exactly where and how the monies are invested and what fees are being charged.

Our aim is to become the safest & most trusted pension firm in the world and a key part of our strategy is to ensure that our members have absolute transparency over the inner workings of our pension products.

As a consumer, this is the least you should expect in the 21st Century.