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  • Tontines

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      What is a Tontine?

      Learn what a Tontine is and how modern Tontines work

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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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      Read the latest academic papers and research advocating for more Tontines

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      Tontines in the News

      Read the latest news on Tontine Trust and the Tontine renaissance

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      Videos & Interviews

      Sit back and watch what the world says about Tontines

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

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      The Tontiner Blog

      Lifestyle tips for Tontiners that want to Live Long & Prosper®

  • Trust Funds

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      What is a Tontine Trust Fund?

      Understand what a Tontine Trust Fund is and how it delivers lifetime income

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      What is a Trust?

      Understand the basics of how Trusts work

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      Gold Tontines

      Lifetime Income Trusts backed by physical Gold, the world’s reserve asset

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      Bitcoin Tontines

      Lifetime Incomes backed by the worlds favorite digital asset

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      Tontine BOLD

      A Lifetime Income Trust backed by Bitcoin and Gold

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      Silver Tontines

      Lifetime Income Trusts backed by physical Silver

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      Islamic Tontines

      Naturally shariah compliant lifetime incomes based upon ethical risk sharing principles.

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      How it Works

      See how you easily can establish your individual lifetime income trust fund

  • Pensions

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      The TontineIRA®

      Transfer a standard IRA/401k to a lifetime income IRA with added longevity pooling

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      Tontine Trust Pensions

      Switch to a pension that that offers a steady income that will last as long as you do

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      Solutions for Pension Providers

      Our Tontines-as-a-Service platform enables you to add longevity pooling returns to your standard pension products

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      National Tontine Pensions

      Offer lifetime social security for citizens without relying on government guarantees

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      Award-winning naturally shariah compliant pensions for the muslim world.

  • FAQs

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      U.S. Tax Guide

      Understand the potential tax efficiencies of the Tontine Trust Fund

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Tontine Trust Funds

Distribution Paths

Flexible Distribution Preferences

Members may indicate a preferred Distribution Path to reflect their preferences regarding the timing and variability of distributions over time.

Distribution Path illustrate different approaches to distribution variability using historical information for illustrative purposes only. They are not forecasts, targets, or guarantees.

No Distribution Path is inherently better than another. Each involves trade-offs between near-term distributions and longer-term stability, and distributions may increase or decrease over time.

Distribution Path represent non-binding preferences. Distributions are determined by the Trustee in accordance with the Trust terms.

Past performance is illustrative only and does not predict future results.

Example

A Tontine Trust Fund backed by Gold

The following examples are provided for illustration only and show how different Distribution Paths may result in different patterns of distribution variability over time.

Gold Extra

This Distribution Path references shorter-term historical information when illustrating how distributions may adjust. As a result, distributions may respond more quickly to changes in the price of the underlying asset.

This approach may result in higher distributions in some periods but greater variability over time. Distributions may be lower in future periods depending on asset performance.

This path may be suitable for Members who are comfortable with higher variability in distributions.

Gold Standard

This Distribution Path references medium-term historical information when illustrating distribution variability. Distributions under this approach may adjust more gradually to changes in the underlying asset value.

This path is intended to illustrate a balance between near-term distributions and variability over time.

This path may be suitable for Members seeking a moderate level of variability.

Gold Reserve

This Distribution Path references longer-term historical information when illustrating distribution variability. Distributions under this approach may adjust more gradually over time.

This may result in lower distributions in some periods, with greater stability over longer horizons compared to other paths.

This path may be suitable for Members who prioritise longer-term stability with lower near-term distributions.

Important Information

Each Tontine Trust Fund refers to the assets held within an individual trust established for a single Member, and does not represent a pooled investment fund or collective investment scheme.

Distributions are not guaranteed in amount or duration and may increase or decrease over time.

All Distribution Paths are subject to asset pricing risk, market conditions, and the operation of the tontine structure, including the timing of tontine transfers.

Selecting a Distribution Path does not eliminate the risk of loss.

Members should consider their own objectives, risk tolerance, time horizon, and personal circumstances, and may wish to seek independent advice before indicating a Distribution Path preference.

Note: Distributions Path are based upon Compound Annual Growth Rates as calculated in US Dollar terms.

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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.