Mytontine app and happy retirees

MyTontine: The perfect pension for the 21st century

MyTontine is a web and mobile app that empowers 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.

Get started in minutes

Person icon
1. Register an account
money icon
2. Select your lifetime income level
shield icon
3. Make a deposit and start living!

Why a TontineTrust pension?

sun on the beach icon

A monthly income for life

Our pensions pay a monthly income until age 120. We dare you to test us by living that long!

growing bar chart icon

Your income rises over time

Your income is expected to rise faster than inflation due to our unique 'tontine credits'.

Low expenses icon

Enjoy dramatically lower fees

Our flat 1% annual fees are substantially lower than the costs of a life annuity.

shield icon

Award-winning transparency

The trust provides full visibility over the safety and sustainability of your income at all times.

documentation icon

European Union safety levels

Our pensions adhere to the latest safety standards of the European Union pension directives.

key encryption icon

Data encryption

All personal identities and financial data are secured using advanced cryptography.

TontineTrust for pension providers

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.

No 'DB' style financial guarantees are required; your obligations are the same as when offering a basic DC pension.
Your members save more because of our unique 'behavioural science' driven approach.
We incentivise members to make better lifestyle decisions which potentially reduce the cost of their future healthcare needs.
MyTontine app

Our mission

We want to help everyone enjoy a long and prosperous retirement by creating the only pension that's fit for the modern age.

Retiree using mytontine

Increasing retirement savings rates at all levels of society

By turning retirement savings into affordable lifetime income streams, TontineTrust ensures that retirees will never end up destitute because they outlived their savings.

Our goals are to:

Provide a reliable and increasing source of income
Improve the living standards of retirees
Relieve the stress of running out of money in old age
We are pioneering the future of the €35 trillion pensions industry

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 by making it possible for savers to retire with confidence in their financial future.

Our scalable platform makes full lifetime income pensions in any currency or country a reality. TontineTrust pensions enable emerging economies to leapfrog developed nations to the new gold standard for pensions.

Why this is the future of pensions:

checkbox icon
Rising life expectancies and falling interest rates mean that even rich nations and institutions cannot afford to take the risk of offering fixed pensions that can last for many decades.
checkbox icon
Savers need to reduce their risk of living a long life, and pooling the risk with other savers is the most cost-efficient solution.
checkbox icon
As the OECD confirms, a tontine pension can invest in an 'endowment fund' type portfolio that generates better returns than bonds, enabling members to enjoy a higher retirement income than annuities.
Mytontine app desktop view

What do financial experts say?

Monitor marketing campaigns

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.

Lorem ipsum dolor sit
Viverra nibh cras pulvinar
Nunc non blandit mas

"Tontines are simply awesome"

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.

MarketWatch Column
MarketWatch Column
Wall Street Journal

"Tontines are simple to understand!"

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.

The economist
The economist

"Love the idea of tontines!"

Tontines, They solve so many problems for retirees. These guys are bringing them back... super interesting.

Raoul Pal - CEO
Raoul Pal - CEO
Real Vision Finance TV

"A 17th Century Solution to a 21st Century Problem"

What better product for our era than a crowd-sourced, peer-to-peer, sharing economy life insurance solution.

Huffington Post

Insights from TontineTrust

Get in touch
👋 Welcome to TontineTrust!
We typically reply within 24hrs