Secure a rising lifetime income and strap in for a long and prosperous retirement.
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
A monthly income for life
Our pensions pay a monthly income until age 120. We dare you to test us by 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.
The trust provides full visibility over the safety and sustainability of your income at all times.
European Union safety levels
Our pensions adhere to the latest safety standards of the European Union pension directives.
All personal identities and financial data are secured using advanced cryptography.
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.
We want to help everyone enjoy a long and prosperous retirement by creating the only pension that's fit for the modern age.
By turning retirement savings into affordable lifetime income streams, Tontine Trust ensures that retirees will never end up destitute because they outlived their savings.
Our goals are to:
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.
Tontine Trust 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. Tontine Trust pensions enable emerging economies to leapfrog developed nations to the new gold standard for pensions.
Why this is the future of pensions:
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.
"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.
"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.
"Tontines are unbelievably simple"
Compared to a traditional annuity you can explain tontines in two pages rather than 30-40-50.
"Love the idea of tontines!"
Tontines, They solve so many problems for retirees. These guys are bringing them back... super interesting.
If your question isn't shown below, just get in touch.
In a tontine pension, the assets are held in trust for the members and invested in a suitably diversified portfolio of regulated assets as required under European Union pensions laws. The trust has no liabilities and is not allowed to engage in any borrowing. In contrast with bank deposits and insurance policies, the capital of the trust is separate from the balance sheet of the provider and as such the trust capital is not exposed to financial and operational risks. 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 pension from the trust is protected.
As required under the Pensions Act and European pensions directives, the tontine capital must be invested in a diversified portfolio of regulated investments.
Our tontine pensions go one step further by adhering to the new investment standards set down by the EU PEPP Regulations which advocate for regulated investments with a strong emphasis on infrastructure and ESG compliant investments.
As such, the tontine pension capital will be invested by established European investment managers with a bias towards stable long term investments which offer a degree of capital backing whilst at the same time providing protection against inflation.
A tontine is a legal agreement where people make an investment into a trust in return for the right to receive a regular income for as long as they live.
When a member passes away, their income is shared with the remaining members causing the surviving members income to rise.
Depending on the legal terms in the agreement, the tontine may end, for example, once the number of members falls below an agreed threshold or when all of the remaining members reach 100 years old.
Tontines are a great way to help you take care of your children financially now without them having to wait until you die.
With existing pension products, your children have to wait until you pass away to see if there is any savings left over.
In a tontine, you tontinise some of your savings to lifetime incomes for you and your spouse now and then you can immediately gift the balance to your children to help them to pay university fees, buy a house or start a business.
In doing so, you also remove the risk that you will become a financial burden to your children later because you will have already ensured you can never run out of money.
Exclusive updates from Tontine Trust