About Us - Tontine Trust

Our platform enables savers to create their own 'do-it-yourself' pensions and know with high precision what their level of lifetime income in retirement will be.

Behind the scenes, our engineers have used state-of-the-art technology, applied mathematics and machine learning to create what we believe is the safest, most trusted pension product in the world.

But our members don't need to worry about the technology or what's happening in the financial markets. They can simply rest assured that they will never run out of money in retirement.

And there are secondary benefits too. 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.

So live long and prosper!

Our platform uses advanced technology to create and manage next-generation lifetime income pensions such as tontines or collective defined contribution (CDC) schemes.

In 2007, a BNY Mellon Asset Management research paper entitled “A Mutual Fund to Yield Annuity-Like Benefits” proclaimed the 400-year-old European tontine concept as the solution to the world's pension problem.

Ten years later, Dean, our founder encountered the challenges 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 and even states.

After three years of research & development, we have set up headquarters 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 and operating tontine-style Pan-European Personal Pensions (PEPPs).

Backed by Enterprise Ireland, we are 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 launch of our MyTontine PEPP, our PEPPs-as-a-Service platform will enable tontine PEPPs to be offered by countries, savings associations, social partners and other fintechs.

When you reach retirement, you face what Nobel Prize winning economist Bill Sharpe describes as “the nastiest, hardest problem in finance”: how do you stop yourself running out of money?

84 per cent of savers want a solution that provides them with a lifetime income, but existing products just don't work.

The simple answer is to invest in a tontine and receive 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 and best value-for-money lifetime income pension in the world.

Increase the savings rate at all levels of society based upon the 360 years of proven behavioural-science-driven popularity.

Turn retirement savings into affordable lifetime income streams that will ensure that the long lived, particularly women, will never end up destitute in old age because they outlived their savings.

Remove the considerable daily stress of retirees who live in fear of running out of money in retirement, thereby improving their quality of life in their golden years.