Mytontine app and happy retirees

MyTontine: The perfect pension for the 21st century

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 pension in the world.

Get started in minutes

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

Why a Tontine Trust pension?

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A monthly income for life

Our pensions pay a monthly income until age 120. We dare you to test us by living that long!

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Your income rises over time

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

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Enjoy dramatically lower fees

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

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Award-winning transparency

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

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European Union safety levels

Our pensions adhere to the latest safety standards of the European Union pension directives.

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Data encryption

All personal identities and financial data are secured using advanced cryptography.

Tontine Trust 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.
Your members save more because of our unique 'behavioural science' driven approach.
We incentivise members to make better lifestyle decisions which potentially reduce the cost of their future healthcare needs.
MyTontine app

Our mission

We want to help everyone enjoy a long and prosperous retirement by creating the only pension that's fit for the modern age.

Retiree using mytontine

Increasing retirement savings rates at all levels of society

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:

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.

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:

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Rising life expectancies and low 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.
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Savers need to reduce their risk of living a long life, and pooling the risk with other savers is the most cost-efficient solution.
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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.
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What do financial experts say?

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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 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

"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

"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 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

Frequently asked questions

If your question isn't shown below, just get in touch.

How safe is a tontine pension?

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.

How is the tontine capital invested?

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.

What is a tontine?

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.

What if I want to leave my money to my children?

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.

Insights from Tontine Trust
Exclusive updates from Tontine Trust

You can expect to receive about 6-8 emails per year

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