Tontine Trust

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.

Our Platform uses advanced technology to create & manage next generation lifetime income pensions such as Tontines or CDCs.

In 2007 the Head of Research at BNY Mellon Asset Management wrote a paper entitled “A Mutual Fund to Yield Annuity-Like Benefits” which proclaimed the 400 year old European tontine pension as the solution to the world's problems in the pensions industry.

10 years later our founder Dean, came across the problems facing modern retirees and went seeking a solution. Frustrated at the options available, he discovered the significant body of academic research describing how 'tontines' would be the perfect modern pension schemes for individuals, corporations & states.

After 3 years of research & development, we have headquartered in Ireland from where we are establishing the world's first new tontine pensions provider in 100 years.

TontineTrust is an award winning fintech / fiduciary organisation building a platform for issuing & operating tontine-style Pan-European Personal Pensions (PEPPs).

Backed by Enterprise Ireland, the firm employs 20 people & is already setting new standards for pension excellence amongst savers by using state-of-the art technology to enable simple, safe, low-fee lifetime income solutions.

Following the initial launch of our MyTontine PEPP, our PEPPs-as-a-Service platform will enable Tontine PEPPs to be offered by Countries, Savings Associations, Social Partners & other Fintechs.

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.

Fast forward to today where better healthcare means that 300 million over 50-year-olds are living in the "rich" OECD countries. What is bankrupting the OECD public servant pensions is the same problem that now risks doing the same to private savers: 33% of men & 43% of women will live into their 90's.

Nobody enjoys the prospect of a 40+ year game of financial Russian roulette which is why it is no surprise that 70% of over-50's are interested in a lifetime income solution OTHER THAN a historical annuity.

This is why we created our award winning & globally patent pending platform. Our fully digital solution will enable users to sign-up online for a simple, safe & transparent monthly income which they can trust to continue until age 120.

Studies shows that when you remove the fear/risk of running out of money, your lifestyle, health & even your IQ can improve. For this reason we know that our platform will ultimately help societies as well as individuals.