When you join a tontine, you invest enough of your savings to ensure that you receive a suitable level of steady income for the rest of your life.

BUT, the golden rule of a tontine is that when a member dies, they no longer need their monthly income and this income is put towards supporting those surviving members of your tontine community that still need the income. ‍ Therefore, members that are unfortunate to die at younger ages may not have received back their investment in full however they will have benefited in different ways:

• They will have enjoyed spending their retirement income without the ongoing stress of worrying about running out of money in later years. ‍
• They can look down from the pearly gates and know that they have helped sustain their fellow members that were blessed with a longer life.

Our payout rates are adjusted based upon changes in investment returns, life expectancies and the actual mortality of the members.

These adjustments are the hallmark of the safest pension funds in the world.

The MyTontine platform constantly monitors investment returns and death rates, adjusting each members expected future payments by a few cents up or down every night.

For example, if members are dying sooner than expected, the payouts will start to rise faster. If members are living longer than expected then the payouts will rise more slowly and may even stop rising for a while.

Through our years of research we have found that that these tiny ongoing micro-adjustments ensure that the tontine always has enough money on hand to sustain the surviving members even if they live exceptionally long lives.

With existing retirement accounts, your children could have to wait 30+ years until you pass away to see if they stand to inherit any leftover savings.

A Tontine Trust makes it safer to take care of your children financially now without the parents risking running out of money.

Members with spare savings may also consider creating a Tontine Trust Fund for each of their children and/or grandchildren.

This will provide them with a monthly income from an age that you specify and ensures that their inheritance will last them a lifetime.

The Family Tontine Trust Funds also eliminate the risk that the children will waste the capital on non-essential purchases and may help avoid inheritance tax in most jurisdictions.

Your savings are deposited by the Trustees into an individual Tontine Trust which only you can benefit from in your lifetime.

The Trustees make available a broad range of investment options including money-market funds, target date funds as well as commodities like gold & silver as well as digital currencies such as Bitcoin.

You may request the Trustee to switch your underlying investment if your goals change.

The Trustees do not offer individual financial advice.

Each new Member is assigned to a Tontine Class of individuals with similar life expectancies based upon age and sex.

Each Tontine Class is restricted to 10,000 members at which point we start a new class.

Your new “job” becomes taking the best care of yourself with the goal of outliving as many of those other 10,000 members as possible.

You can increase the balance in your Tontine Trust Fund at any time.

The TontineIRA® is subject to any contribution limits imposed by tax authorities such as the IRS.

In the case of the TontineIRA®, you can roll over unlimited amounts from a 401(k), 403(b) or an existing IRA and you can also contribute an addition $7,000 per year if you are under the age of 50 or $8,000 if you are over 50.

If you have non-qualified (already taxed) monies, you will be able to contribute these to other types of tontine product such as our upcoming Tontine ROTH IRA.

Life expectancies are an average not a limit. By definition, 50% will die sooner and 50% will die later.

If you are one of 25%+ of members that lives into their 90s or beyond, the chances of you running out of money are high and aged 90+ is is not an age that you want to be dusting off your resume.

The Actuaries Longevity Illustrator estimates the chances that you will live for various lengths of time. And for couples, it also shows the likelihood that one of you will outlive the other.

This information is important when planning a secure retirement.