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  • Trust Funds

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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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      Flexible Distribution Profiles

      Optimise distributions periodically for what you need right now versus later

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      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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      Receive a Free Tontine Card

      Spend your income worldwide using your free Tontine Card

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      Local Payment methods in over 40 countries

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

  • Trust Property

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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)

  • Pensions

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      The TontineIRA®

      A traditional IRA designed to pay an income for life to the IRA owner

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      A Joint TontineIRA®

      Protect your nearest and dearest when you are gone with an income for life

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      The Tontine Roth IRA™

      Transfer your existing Roth IRA to enjoy tax free income for life

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      Illustrate your Potential Distributions

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

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      For Employers

      Give your staff the lifetime income component to ease their retirement worries

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      For Schools, Churches & Nonprofits

      Enable best in class, lifetime income pensions for your employees

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      For DC Providers

      Offer your employees a plan that supports them for life.

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      For Governments & States

      Offer 100% sustainable lifetime pensions with no guarantees or subsidies

  • 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 Apps

      Mobile App Downloads

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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

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      Referral Reward Program

      Earn rewards for recommending our trust services

  • 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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      Join our Community

      Share your ideas & help us build the best lifetime income plans in the world

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We are the world's 1st RetireTech

And we're on a mission to democratize lifetime income for the benefit and enjoyment of savers globally.

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Savers love tontines so much that they backed the company

Tontine Trust is backed by over 200 individuals from countries across the world as well as a number of corporate investors.

If you ask them why the why they invested in the company, more or less they will give you the same answer:

Because Tontine Trust is the only company in the world creating the exact retirement income product that they, their families and their friends want to have when they reach retirement.

Yes they expect to make a large return on their investment but for many, this is secondary to the importance of providing true retirement income security that meets the needs of savers worldwide.

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Transformation within the Retirement industry is inevitable & imminent

In 2024 we are seeing the largest ever number of Americans turning 65.

For many, this will be the first time they are looking at how their ‘pension’ works so only now are they realizing that that they have a major problem.

Having a chunk of capital saved is one thing but it is not the same as an income that you can trust to last the rest of your life no matter how long you live.

Existing Defined Contribution (“DC”) plans were created in the 1980s as a ‘temporary’ solution to the problems with “Defined Benefit” plans.

However these DC plans are simply tax privileged savings accounts that do nothing to address the lifetime income needs of the 150 million+ savers reaching retirement age across the OECD.

At a point in time when these savers should be getting ready to relax and enjoy the fruits of the labor, they will face the daunting prospect of figuring out how to make their money last the rest of their lives despite not knowing if they are going to live another 5 years or 35 years.

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Policymakers have now mandated sweeping changes

The OECD (Organization for Economic Co-operation and Development) advises the governments of most of the advanced countries of the world on economic & social policies.

In a comprehensive review of the Future of Pensions in 2020, their pensions policy unit determined that tontines offer an ideal solution for reducing risk for savers as well as governments.

In February 2022 the OECD went further by issuing a binding Legal Instrument 0467 which essentially compels the US, UK, EU and other member states to mandatorily transform their DC pensions such as 401Ks and IRAs into lifetime income plans for at least part of the savers balance using either Tontines or Annuities.

For Islamic countries that follow the OECD guidelines, Annuities are haram so the exclusive adoption of naturally shariah compliant Tontines for their societal pension needs is largely inevitable.

Contact us to find out more

If you are an investment firm or an accredited investor that has experience investing in startup banks/insurers, fintechs or insure-techs and you believe that you can bring added value to our mission then please get in touch.

Get in Touch

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  • About Us
  • About Tontine Trust
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  • Our Advisors & Ambassadors
  • Who we work with
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  • Download Apps
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  • For Providers
  • For DC Providers
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Website Terms

Privacy Policy

Terms & Conditions

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 regulated trust company based in Sweden. 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, subject to trustee discretion and applicable trust terms.

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.

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 the tontine principle. 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.