You wanted the 'Perfect Pension' so we built it

You wanted the 'Perfect Pension' so we built it

Consumers want a 'perfect' pension that offers:

  • a lifetime income that can never run out,
  • which increases over time to offset inflation,
  • it is safe and transparent, and
  • the fees are kept low.

Our platform enables this perfect pension based on a proven design known as a 'Tontine' (🔈 tonn-teen).

Once you understand Tontines, you will know why for centuries they always attract more savings than any other pension product.

Why we started this organisation

When you reach retirement, you face what Nobel Prize winning economist Bill Sharpe describes as “the nastiest, hardest problem in finance”.

That problem is: How much can you spend every month without risking that your money will run out?

84% of savers want to solve the problem by securing a lifetime income but existing solutions just don't work.

The simple answer is to join a 'Tontine' which pays a monthly income for life that can be expected to rise over time.

This is why we started TontineTrust: to create the safest, most trusted & best value-for-money lifetime income pension in the world.

How it works

About us

About us

TontineTrust is the world’s first “RetireTech”.

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

Behind the scenes, our engineers use state of the art technology, applied mathematics and machine learning to make the safest, most trusted pension in the world.

But our members don't need to worry about any of that, they don't need to worry about running out of money & they don't need to worry about the financial markets.

Once a member joins, she becomes a 'Tontiner' & the best way to get the most out of her pension is start taking better care of her health.

Learn More

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.

Author avatarProf. Moshe Milevsky

Love the idea of tontines. They solve so many problems for retirees. These guys are bringing them back... super interesting.

Author avatarRaoul Pal, CEO Real Vision TV

Mortality credits enables 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.

Author avatarWall 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.

Author avatarThe 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.

Author avatarProfs 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.

Author avatarThe 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.

Author avatarKent 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.

Author avatarThe Huffington Post

Tontiners in the News

We are increasingly featured in major financial / pension publications & TV channels including: 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.

www 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.

www 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.



Frequently Asked Questions

When someone joins a tontine, they invest whatever portion of their savings that will allow them to relax & sleepy easy knowing that they will receive a suitable level of income for the rest of their life.

BUT, the rule of a Tontine is that if someone dies, they no longer need the monthly income.

So if a member dies within a few years, even before they have received payouts in excess of their original contribution, then their remaining payouts will be shared among the surviving members of that pool.

These 'tontine credits' received by surviving members from members that have passed away enable the tontine to continue paying monthly incomes to even the very longest lived members.

As we say, like pets, Tontines are for life, not just for xmas.

Tontines are a great way to help you take care of your children financially.

With existing pension products, your children have to wait until you pass away to see if there is any money left over.

In a Tontine, you can use some of your savings to secure an appropriate level of lifetime income for you and your spouse, then you can immediately pass on some of the balance to your children.

In a Tontine, the assets are held in trust for the members. The trust has no liabilities and is not allowed to engage in any borrowing.

As such, the capital is safer than if it is placed on the balance sheet of an institution which faces financial & operational risks such as a bank or insurance company.

Additionally, recent Irish case law confirmed that in the event of a person (for example an Entrepreneur) being declared bankrupt by their creditors, their lifetime income from the trust is protected.

In the past, pension schemes would promise you exactly what they would pay you when you reached retirement. The problems started when people started living longer & interest rates went down, making it almost certain that they will break their promises to those that live a long time.

In a Tontine, the Trustees make constant ongoing micro-adjustments up & down to the future payouts always making sure that there will be enough money left for all of the members.

© Tontine Trust Retirement Technologies Limited ('TontineTrust'). All rights reserved.

The information in this site is informational & of very general guidance only. Nothing in this website should be taken as constituting individual advice to you. The choices you make, or do not make, around the investment of your Retirement Account are your own responsibility.

Neither TontineTrust nor your Scheme Trustee can be held responsible for any financial loss arising from your investment choices or lack of them. Values can fall as well as rise whatever type of scheme is chosen and no particular level of retirement benefit from a pension can be guaranteed.

TontineTrust is building a platform which supports the issuance of risk sharing lifetime income products such as Tontine PEPPs. Our first lifetime income retirement product when launched will also seek approval to be classified as one of Europe's first Pan-European Personal Pension Products or 'PEPPs'.

PEPPs are a new generation of personal pension products which comply with the European Union’s latest regulations creating the gold standard of personal pension product design in terms of value for money, transparency & governance. Once our pension product is registered, we will launch with the support of best of breed investment service providers with the aim to be available in 27 countries by the end of 2021. TontineTrust does not offer or provide investment services.