The 'Perfect Pension' has arrived

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 1st RetireTech

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

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

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

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.

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 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.

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.

The Trustees ensure that all of the monies in held in trust for the members in a segregated account at a custodian bank or depositary bank.

The monies can only be invested in accordance with the Pensions Act which is based upon the European Pension scheme directives.

Our pension scheme rules however go one step further by adhering to the new investment standards set down by the EU PEPP Regulations which stipulate that the majority of the scheme assets must be invested in regulated investments with a major focus on infrastructure and ESG compliant investments.

Additionally, the TontineTrust scheme is in the process of appointing a globally respected depositary bank which under law will also be responsible for monitoring that each investment by the Trustees adheres to the regulations.

For further information, Learn more

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

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

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.

© 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.