MyTontine: The perfect pension for the 21st century

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.

Get started in minutes

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

Why a TontineTrust pension?

A monthly income for life

Our pensions pay a monthly income until age 120 if you plan on living that long.

Your income rises over time

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

Enjoy dramatically lower fees

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

Award-winning transparency

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

End-to-end safety

The trust adheres to the safety standards of the latest European Union pension directives.

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.
You can expect increased willingness of members to save more due to our unique behavioral science driven approach.
We incentivise members to make better lifestyle decisions which potentially reduce the cost of their future healthcare needs.

Our mission

To help everyone enjoy a long and prosperous retirement by creating a pension that's fit for an ageing population.

Increasing retirement savings rates at all levels of society

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:

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 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:

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.
Savers need to reduce their risk of living a long life, and pooling the risk with other savers is the most cost-efficient solution.
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.

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.

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"Tontines are unbelievably simple"

Compared to a traditional annuity you can explain tontines in two pages rather than 30-40-50.

Kent McKeever
Kent McKeever
Columbia Law School

"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
economist.com

"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

"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

Insights from TontineTrust

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