Our Tontines provide Lifetime Income in Retirement, are ALWAYS fully funded & substantially reduce costs for members
Tontines are a 300 year old retirement funding solution which in the late 19th century were so popular that over half of all US households had invested the modern equivalent of $170Bn in a tontine.
Still popular in France, in 1906 they fell out of favour in the US due to the insurance company issuers tampering with the membership ledgers & then withdrawing too much investor capital as "insurer profits".
Fast forward to 2017 and the top 20 OECD countries face a $78 Trillion pension shortfall & Fitch Ratings have now also downgraded the insurers which are the counterparties of many of the most widely held private pension products.
Following the creation of distributed ledger technology, the time is
right for a trustless peer-to-peer system which offers users
substantial cost savings and is properly secured by advanced mathematics,
immutable ledgers & pseudonymous accounts.
Our flagship product will be an ETF based Tontine Pension designed to deliver optimal returns based upon Nobel Prize Winning Research.
Biometrically authenticated members will receive monthly payouts to their Tontine Accounts linked to TonCards which can be used at over 40 million merchants and ATMs worldwide.
"Comparing a Tontine to an Annuity is like comparing an iPhone to a calculator"
As a no-load, low-fee product, our Tontines can provide an estimated 40%+ higher payout than an equivalent annuity product from the start which enhances your quality of life
We take security seriously. Our Tontines are locked to each member's encrypted identity. Only biometrically authenticated members can authorise payouts.
The Tontines only continue payouts to surviving members. This causes the payouts to escalate over time (often dramatically in later years) independently of underlying investment returns.
Other retirement products are complex & hard to understand, Tontines are simple & transparent. Members always have unparalleled visibility on the the underlying ETF or other assets as well as projected future payouts.
Different communities have different financial security needs
Balanced multi-asset global ETF portfolios benefiting from Nobel Prize Winning Research
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Co-Operatives can launch ALWAYS fully funded Pensions protecting their members from outliving their savings at the lowest possible cost by sharing the risk among industry cohorts.
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Tontines historically outsell annuities 5 to 1 simply because they pay so much more & reward healthy living.
The following examples are estimated upon a 65 year male resident in the UK
Returns are probabilistic based upon mortality rates & investment returns
Offers a "guaranteed" rate annuity plus
a 3% p.a. payout escalation
Offers a "guaranteed" payout rate but which
is not indexed to inflation
The cash balance is drawn down over 20 years
at current interest rates
Tontines continue to receive endorsements from Financial Scholars,
Universities, Financial 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.
As quoted in The New York Times
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
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.
Tontine Historian at Columbia Law School
Concept Development with a view to solving a major, growing global problem on the blockchain ✔ Robo-Actuary Concept✔
Tokenomics refined to generate network effects ✔ Team Expansion Commences ✔
Website Launch ✔ Incorporated ✔ Regulatory Analysis ✔ Robo-Actuary Prototyped ✔
Patent Filed ✔Release Whitepaper ✔ Strategic Partnership Development commences ✔
Team Expansion ✔
Platform Development ✔
Continued Platform Development ✔
TON$ added to exchanges ✔
Strategic Partnerships ✔
iOS Biometric testing ✔
Continued Strategic Partnership Development
Android biometric testing ✔
Corporate Relocation Commences
Secure Partnership with Smart Contract Platform Institutional Seed Round Add Team members with Regional Experience
Regulatory Sandbox Application Strategic Partnerships Development Robo-Actuary Smart Contract Development Commences
CIS Framework Finalised
Pilot Countries Identified
Market Entry Strategy Determined
Launch UIs finalised
Pilot Tontines launched in 3+ Countries
Additional Channels & Markets Added
Distributors buy TON$ on exchange to obtain licences
Additional Channels & Markets Added
Distributors buy TON$ on exchange to obtain licences
Main Token Sale or Series A completed
Distributors buy TON$ on exchange to obtain licences
Founder, CEO
Chief Investment Officer
Lead Developer Blockchain, Fintech Integrations
Quant / Programmer responsible for Robo-Actuary Optimisation
Malaysia Head + Micro Pensions & Financial Inclusion for Women
Digital Strategy &
Project Manager
Actuary, Data Scientist,
Crypto Trader
Associate Manager, Strategic Partnerships
Founder of the Bitcoin Foundation, Cryptoeconomist & Blockchain Entrepreneur
Long term Director of Man United F.C., Angel Investor, VC, Businessman & Philanthropist
Economist, Director of German National DLT Assoc., Tontines Expert
Former AIG Japan Strategist, ex Goldman Sachs MD, Fintech & Asia Region Advisor
Former AIG Agency Strategist, Insurtech Founder
Award Winning Fund Manager, Asia Pacific Ambassador
We continue to get featured in both online and printed publications
The Tontine platform is powered by TON$, a new digital currency which rewards partners & financial advisors for helping the platform grow its assets and reach new consumers.
To Support the Project, learn more about our TON Money.
