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  • Trust Funds

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      What is a Tontine?

      Understand why Tontines are again the future of lifetime income

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      Monthly Distributions during your Lifetime

      Start receiving monthly distributions at any age

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      Illustrate your Potential Distributions

      Enter your age, preferred asset and distribution profile to see illustrations

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      NEW

      Flexible Distribution Profiles

      Optimise distributions periodically for what you need right now versus later

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      Coming soon

      Trust Funds for Children

      Control how your kids will spend their inheritances now or after you have gone

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      Enjoy Zero Setup Costs & Low Fees

      Our low fees preserve more income for you with zero commissions or setup costs

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      Coming soon

      Receive a Free Tontine Card

      Spend your income worldwide using your free Tontine Card

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      Coming soon

      Local Payment methods in over 40 countries

      We support instant low-cost local bank transfers for over 2 billion people

  • Eligible Assets

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      Legal Overview

      How Trust assets are held and administered under the Trust Agreement

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      Asset Categories

      Asset categories and examples permitted under the Trust Agreement

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      Custody & Administration

      How Trust Property is held and recorded

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      Historical Information

      Illustrative historical price information (not predictive)

  • FAQs

  • About Us

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      About Tontine Trust

      Find out more about who we are, how we got started and the mission we are on

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      The Team

      Meet the history making team, changing the future of retirement

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      Our Advisors & Ambassadors

      Meet the advisors leading our mission to restore fairness in retirement

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      Who we work with

      See our best in class banks, trusts, law firms and tax advisory partners.

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      Transparency Policy

      Read more about our award winning commitment to radical transparency

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      Download the Apps

      Download the Tontine App and manage your lifetime income from your mobile or tablet.

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      Awards

      A summary of our awards so far

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      Investor Relations

      Join us as we democratize the lifetime income market globally

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      Contact us

      Get in touch

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      Quoroom IR Platform

      Investment tracking portal for our backers

  • Resources

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      Tontines in the News

      Read the latest news on Tontine Trust and the coming Tontine revolution

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      Videos & Interviews

      Rewatch our TV appearances, seminars & townhalls

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      Research & Whitepapers

      Read the latest academic papers and research supporting Tontine pension plans

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      Blog

      Read the latest news & opinions from Tontine Trust

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      NEW

      Referral Reward Program

      Earn rewards for recommending our trust services

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      Download the Apps

      Download the Tontine App and manage your lifetime income from your mobile or tablet.

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Contact us

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  • About Us
  • About Tontine Trust
  • The Team
  • Our Advisors & Ambassadors
  • Who we work with
  • Transparency Policy
  • Investor Relations
  • Supervisory Authority
  • Regulatory Status
  • Download the Apps
  • Awards
  • For Providers
  • For DC Providers
  • For Banks, Credit Unions & Trusts
  • For Employers
  • For Schools, Churches & Nonprofits
  • For Governments & States
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  • Research & Whitepapers
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  • Referral Reward Program
  • Download the Apps

Terms & Conditions

Privacy Policy

Legal & Regulatory

For Banks

For Regulators

References to ‘tontine’ on this site describe the longevity-risk sharing mechanism used to adjust trust distributions; distributions are made by the trustee in accordance with the trust terms.

Tontine Trust Europe KB (“Tontine Trustees” or the "Trustee") is a Swedish authorised trust management company. We provide fiduciary trust services, including the establishment and administration of irrevocable trusts and the management of trust assets, in accordance with applicable trust laws.

We establish irrevocable lifetime Tontine trusts for clients worldwide, except where restricted by local law.

Our fintech platform enables individuals to establish an individual Tontine Trust Fund efficiently and securely. The patented platform supports trust administration, asset selection, distribution modelling in accordance with predefined trust terms and applicable fiduciary duties.

Information provided on this website or through our platforms is general information only and does not constitute personal financial, investment, legal, or tax advice. You should seek independent professional advice before making decisions.

The selection of assets held within a Tontine Trust Fund is the responsibility of the member. Tontine Trustees is not responsible for outcomes resulting from a member’s asset preferences, except to the extent required by our fiduciary duties in administering the trust.

Trust assets are subject to market risk, and losses — including loss of principal — are possible.

Any illustrations or examples of lifetime distributions shown on this website or in related materials are indicative only.
Distributions from a Tontine Trust Fund are not fixed or guaranteed and may increase or decrease over time based on factors including asset performance, longevity assumptions, and the survival experience of members within the same tontine class.

Distribution estimates are generated using probabilistic and financial models that are regularly reviewed and adjusted to reflect changing conditions. Estimates are for illustrative purposes only and are not predictions or guarantees.

Redistribution on Death

When a Tontine Trust member dies, any leftover trust balance is redistributed among the surviving members of the same Tontine Class, in accordance with predefined trust rules governing survivorship-based allocation of beneficial interests. As a result, no trust balance remains for inheritance by spouses, children, other beneficiaries, or creditors.

Members who wish to provide separately for family members should consider establishing and funding separate trusts for those individuals.