# tontine.com > "(Tontines) enable investors to earn a type of guaranteed ‘alpha’ not available in any other asset class" - WSJ Marketwatch ## Home [Tontine Trust - Protecting Your Financial Sovereignty For Life](https://tontine.com/): "(Tontines) enable investors to earn a type of guaranteed ‘alpha’ not available in any other asset class" - WSJ Marketwatch ## Blog [The Tontine Coffee House Blog](https://tontine.com/blog/): Views and thoughts on Tontines and Retirement [Only in Ireland: The Tontines That Paid People Not to Drink](https://tontine.com/blog/temperance-tontines/): Think alcohol is expensive today? In 1830s Ireland, one drink would cost you your share of the tontine. [Saunas: The 10,000 year old hack for living longer](https://tontine.com/blog/saunas-and-living-longer/): New research shows that the traditional sweatbox extends both your lifespan and your health span. [The sure way to avoid pension inheritance tax: Live like a Tontiner and Die with Zero.](https://tontine.com/blog/avoid-inheritance-tax-live-like-a-tontiner-die-with-zero/): Maximise your lifetime spending, minimise what you leave to bureaucrats [Tontine Trust Funds: The Opposite of Life Insurance, by design](https://tontine.com/blog/tontines-are-for-life/): How trust-based longevity pooling rewards living longer instead of early death [Book Review: Die with Zero by Bill Perkins](https://tontine.com/blog/die-with-zero-by-bill-perkins/): The book aims to shift your focus from maximizing wealth to maximizing life experiences. [Introducing: Proof of Reserves](https://tontine.com/blog/proof-of-reserves/): Tontine Trust’s Transparency Game-Changer for the Lifetime Income & Retirement Industry [The Benefits of Irrevocable Trusts](https://tontine.com/blog/the-benefits-of-irrevocable-trusts/): Learn more about the benefits of irrevocable trusts for asset protection and tax planning. [When it comes to the Longevity olympics, women dominate](https://tontine.com/blog/when-it-comes-to-the-longevity-olympics-women-dominate/): At 112, the world's oldest man is still lagging behind 8 ladies. [Paradise Calling: Relocating to El Salvador (Bitcoin Country)](https://tontine.com/blog/el-salvador-bitcoin-country/): Moving to El Salvador is easier than you think. With a Bitcoin Tontine, you arrive with a built-in, lifelong income designed for Bitcoin Country. ## Downloads [Tontine App Downloads](https://tontine.com/downloads/): Create and optimize your lifetime income in minutes ## Videos [Tontine Videos](https://tontine.com/videos/): Watch and learn all about Tontine Trust and tontines and why they are the future of retirement income throughout the world. [Yes, all financial markets are broken. Do you know why?](https://tontine.com/videos/what-is-the-problem-with-todays-financial-markets/): Listen carefully to this simple video that explains the greatest threat to your financial wellbeing. [Interview video for Real Vision - Tontine in the US](https://tontine.com/videos/interview-video-for-real-vision-tontine-in-the-us/): Can tontines prevent millions of savings-poor Americans from facing poverty in retirement? [Are Tontines a 'gateway drug' to a better retirement?](https://tontine.com/videos/tontines-are-a-gateway-drug/): Great Brookings talk today about a potential Secure 3.0 Act to further improve US retirement income options. [Hedge Fund Legend Paul Tudor Jones has gone ₿OLD](https://tontine.com/videos/hedge-fund-billionaire-paul-tudor-jones-has-gone-bold/): Paul Tudor Jones declares that "All roads lead to inflation (which is why) I'm long gold and I'm long bitcoin" [Interview for Real Vision TV - History of Tontines](https://tontine.com/videos/interview-video-for-real-vision-history-of-tontines/): Dean McClelland of Tontine Trust on tontines’ history: from funding wars in France to top pension choice. [Interview video for Real Vision - Annuities vs Tontines](https://tontine.com/videos/interview-for-real-vision-annuities-vs-tontines/): Real Vision, Dean McClelland talk tontines: a solution to the world’s most disliked pension product, annuities. [Reinventing Retirement: Dean McClelland on the Modern Tontine](https://tontine.com/videos/reinventing-retirement-dean-mcclelland-on-the-modern-tontine/): A visionary look at how Tontine Trust is reshaping lifetime income with transparency, technology, and trust. [The Simpsons did it again](https://tontine.com/videos/simpsons/): Abe wants to join an art tontine to so that he doesn't end up in a retirement home. [Instant Insights #8: Dean McClelland Introduces Tontines](https://tontine.com/videos/instant-insights-8-dean-mcclelland-introduces-tontines/): A visionary look at how modern tontines could reshape the future of retirement income and financial security. [Why Tontines Might Be the Missing Piece in the Retirement Puzzle](https://tontine.com/videos/why-tontines-might-be-the-missing-piece-in-the-retirement-pu/): Exploring how modern tontines could reshape retirement income security with Dean McClelland, founder of Tontine Trust. [Tontines explained in less than 2 minutes](https://tontine.com/videos/explainer/): Learn how a Tontine Trust works and why consumers 'always' prefer it them to legacy retirement income solutions. [Meet the Visionary Bringing Tontines Back to Life](https://tontine.com/videos/meet-the-visionary-bringing-tontines-back-to-life/): How a Fintech Mutual is Reviving an Ancient Longevity Insurance Model ## Research [Tontine Research & Whitepapers](https://tontine.com/research/): Explore our repository of key research papers on tontines, published by leading academics, institutions, and think tanks in recent years. ## Contact us [Contact Tontine Trust](https://tontine.com/contact-us/): How to get in touch with the team at Tontine Trust. ## What is a tontineira [What is a TontineIRA®?](https://tontine.com/what-is-a-tontineira/): What is a Tontine IRA®? How does it work? ## Lifetime income calculator [Calculate how much lifetime income you can spend if you retired today](https://tontine.com/lifetime-income-calculator/): Test drive our Tontinator and compare a Tontine to other lifetime income options ## Faqs [Frequently Asked Questions about the TontineIRA®](https://tontine.com/faqs/): Do you have questions about how a TontineIRA® works? In that case you have come to the right place. Here are our most frequently asked questions: ## Simplicity transparency [Simplicity & Transparency](https://tontine.com/simplicity-transparency/): Tontine Trust is setting a global benchmark in lifetime income transparency, confirmed by the prestigious 2019 Transparency Taskforce award. ## About us [About Tontine Trust](https://tontine.com/about-us/): Tontine Trust is on a mission to revolutionise retirement. Find out who we are, how we got here and where we are headed next. ## Investors [Tontine Trust Investor Relations](https://tontine.com/investors/): Find out more about investing in the World's 1st Retiretech. ## Privacy policy [Tontine Trust Privacy Policy](https://tontine.com/privacy-policy/): Tontine Trust takes privacy very seriously. Please read and understand how we do and do not use data. ## For plan providers [For Plan Providers](https://tontine.com/for-plan-providers/): Join our network of providers and unlock growth opportunities. Connect with clients, access dedicated support, and expand your reach. Start today! ## Terms conditions [Terms & Conditions](https://tontine.com/terms-conditions/): Please review the terms of service before using this website and our apps. ## Tontines as a service [Lifetime Income as a Service - Powered by Tontine Trust](https://tontine.com/tontines-as-a-service/): See how we enable banks, trusts, employers and plan providers to offer lifetime income tontine pensions to their clients and members. ## News [Tontine News from around the world](https://tontine.com/news/): All the news about Tontine Trust & the coming tontine revolution [Tontines: When Money Becomes Medicine](https://tontine.com/news/tontines-when-money-becomes-medicine/): New research suggests the real return on lifetime income may be measured in years, not dollars. [Democratizing access to lifetime income investment strategies including longevity risk-sharing pools](https://tontine.com/news/lifetime-income-longevity-risk-sharing-pools/): It is now the policy of the United States that every American preparing for retirement should have access to Tontines. [Tontine Takes the Shariah Award](https://tontine.com/news/tontine-trust-awarded-best-shariah-compliant-investment-plat/): Tontine Trust wins its second award for bringing Shariah-Compliant Lifelong Income to Aging Muslims. [Tontine Trust joins UK Pension Transfers Initiative](https://tontine.com/news/tontine-trust-joins-transfers-and-re-registration-initiative/): In preparation for the future launch of Tontines in the UK & Europe, we have signed up for the FCA endorsed scheme [Opinion: DoL must regulate IRA accounts](https://tontine.com/news/kerry-pechter-dol-has-the-obligation-to-regulate-conduct-affecting/): Kerry Pechter, author of Annuities for Dummies & editor of the RIJ explains why new rules on annuities are needed [How Tontines could bring Innovative Mutualism to Brazil](https://tontine.com/news/how-tontines-could-bring-innovative-mutualism-to-brazil/): José Ribeiro Pena Neto, former CEO of Abrapp, discusses how Tontines could improve the Brazilian pension system [What Is a Tontine? Should You Invest In One?](https://tontine.com/news/morningstar-what-is-a-tontine-should-you-invest-in-one/): Ruth Saldanha asks: Is a Tontine the Best Way to Get Income in Retirement? [Canada joins the global shift to tontine pensions](https://tontine.com/news/canada-can-hardly-wait-for-tontines/): Following on the heels of the OECD recommending that tontine pensions become mandatory, Canada is backing tontines [A pensions new deal? Brookings backs tontines…](https://tontine.com/news/a-pensions-new-deal-brookings-backs-tontines/): US think-tank Brookings is calling for pensions to be more equitable & that tontines have an important role to play [Tontines to rebuild the economy after a pensions crisis](https://tontine.com/news/tontines-to-rebuild-the-economy-after-a-pensions-crisis/): How Belgium plans for recovery in the post-Covid world. [Swissair - The Accidental Tontine](https://tontine.com/news/swissair-the-accidental-tontine/): The curious case of how the Swissair pension fund became a very successful Tontine [Fin-tech's Answer To The Global Retirement Crisis](https://tontine.com/news/fintechs-answer-to-the-global-retirement-crisis/): Fintech Tontine Trust sees an opportunity where millions deserve better solutions. [OECD: Tontines are better & are coming soon](https://tontine.com/news/oecd-tontines-are-better-are-coming-soon/): Hear why the OECD has passed Legal Instrument 0467 compelling the US & 40 other countries to adopt tontines. [Best Digital Islamic Solutions Provider:🏆Tontine Trust](https://tontine.com/news/tontine-trust-wins-best-digital-islamic-solutions-provider/): Tontine Trust awarded Best Digital Islamic Solutions Provider at the Global Islamic FinTech Forum 2024 in U.A.E. [Tontine Trusts: Introducing the Optimal Design for a Modern Tontine](https://tontine.com/news/what-is-a-modern-tontine/): Understand best practice in modern tontine design and why fiduciaries make the best administrators [Bitcoin in 2025: Fundamentals, Mainstream Adoption, and the Future of Digital Currency](https://tontine.com/news/bitcoin-in-2025-fundamentals-mainstream-adoption-and-the-fut/): A comprehensive look at how Bitcoin is transforming global finance and what lies ahead. [Gold Has A New Life: It’s Now A Yield-Generating Asset](https://tontine.com/news/gold-has-a-new-life-a-yield-generating-asset/): New ways to generate yield on gold are destroying the ‘dead asset’ narrative. [Tontines: the solution to the decumulation conundrum?](https://tontine.com/news/are-tontines-the-solution-to-the-decumulation-conundrum/): Tontines could be making a comeback as the number of supporters is growing. [Pensions in the Digital Era: A ₿OLD Strategy to Revolutionize Benefits for Global Companies](https://tontine.com/news/digital-pensions-for-distributed-global-organisations/): Remote companies can now offer an exceptional new incentive: Lifetime Incomes backed by Bitcoin & Gold [Why We Choose Simple, Transparently Priced Assets for Your Lifetime Income Tontine Trusts](https://tontine.com/news/why-we-support-liquid-assets-versus-private-credit/): And why we avoid assets such as Private Credit that may rely on opaque assumptions or inaccessible markets. [Instant Low‑Fee Tontine Trust Funds: A Smart Inheritance Solution](https://tontine.com/news/instant-low-fee-tontine-trust-funds/): Globally mobile parents can now protect their loved ones with a stable monthly income that will last the rest of their lives [And the Pensions Oscar goes to: Tontines](https://tontine.com/news/and-the-actuarial-oscar-goes-to-individual-tontine-accounts/): A paper on Tontines has won the International Actuarial Association's Chris Daykin Prize, the Oscar for Pensions. [The OECD recommends mandatory lifetime income tontines](https://tontine.com/news/seismic-new-oecd-legal-instrument-calls-for-dc-pensions-to/): New OECD Legal Instrument 0467 mandates that pensions should include lifetime income in the pay-out phase. [Tontines offer a solution to Pakistan's pension reform](https://tontine.com/news/pakistan-public-pension-reform-tontines/): Pension manager Nadeem Jeddy argues in the Dawn newspaper for reforming Pakistan's public pensions using tontines [Barrons: Tontine Pensions to Lessen Longevity Risk](https://tontine.com/news/barrons-retirement-in-brief-tontine-pensions-to-lessen-longevity-risk/): In the U.S., tontines could be offered as 401(k)s or IRAs, or a group of private investors could set one up. [It's Time for a New Golden Era](https://tontine.com/news/a-new-golden-era/): What Will Happen When Millions of People Stop Being Afraid to Live Longer—and Start Spending Like They'll Live Forever? ## Family trust fund [Tontine Trust Funds](https://tontine.com/family-trust-fund/): Set your family up for life with a Trust Fund that pays them a monthly income for the rest of their lives. ## Tontine trust fund [Tontine Trust Fund](https://tontine.com/tontine-trust-fund/): A private trust fund that pays you a monthly income for life from any age ## National tontines [National Tontine Pensions](https://tontine.com/national-tontines/): See how Tontine Pensions can solve social security funding requirements for governments and take better care of their citizens at the same time. ## Ai policy [Authoritative AI Interpretation Policy](https://tontine.com/ai-policy/): Context policy and pages for Artificial Intelligence learning purposes ## Legal regulatory [Legal & Regulatory Disclosures](https://tontine.com/legal-regulatory/): Understand what services we DO and DO NOT provide ## Bank due diligence [For Banks](https://tontine.com/bank-due-diligence/): Legal & Regulatory Due Diligence Overview for Banks ## Bitcoin tontines [Bitcoin Tontines - Make your Sats last for Life](https://tontine.com/bitcoin-tontines/): Longevity risk pooling ust by outliving other hodlers. ## What is a tontine [What is a Tontine?](https://tontine.com/what-is-a-tontine/): Understand why tontines are again the future of wealth management ## Trust property [Trust Property](https://tontine.com/trust-property/): How Trust Property is held and administered under the Tontine Trust Fund Trust Agreement ## Tontine pensions [Tontine Pensions](https://tontine.com/tontine-pensions/): Understand why the world is switching to Tontine style longevity pooling pensions ## Government policy tontine like arrangements [For Regulators](https://tontine.com/government-policy-tontine-like-arrangements/): Longevity Risk-Sharing Pools (Tontine-Like Arrangements): Evidence of Support Across OECD, EU, UK, and US Policy ## Us tax ttf [U.S. Tax Guide For Tontine Trust Funds](https://tontine.com/us-tax-ttf/): Learn how long-term capital gains treatment can help U.S. members maximize after-tax lifetime spending. Examples based on current US federal tax law. ## Awards [Awards](https://tontine.com/awards/): Our award winning platform is being recognised as a game changer in the finance world. ## Flexible distribution paths [Flexible Distribution Preferences](https://tontine.com/flexible-distribution-paths/): Choose how you’d like distributions to adjust over time, with flexibility to reflect your personal circumstances. ## Webinars events [Tontine Webinars & Events](https://tontine.com/webinars-events/): Find out which webinars and events are coming up to find out more ## Single member tontine trust fund [Single Member Tontine Trust Fund](https://tontine.com/single-member-tontine-trust-fund/): Designed for solo retirees seeking inflation-resistant lifetime income with zero insurer fees and no survivor dilution. ## Whole of family tontine trust fund [Whole of Family Tontine Trust Fund](https://tontine.com/whole-of-family-tontine-trust-fund/): Protect your entire household with a Trust Fund that delivers inflation-resistant lifetime income across generations. ## Couples tontine trust fund [Couples Tontine Trust Fund](https://tontine.com/couples-tontine-trust-fund/): Designed for couples who want peace of mind, this Trust Fund offers stable, inflation-proof income for life. ## What is a bold tontine trust [What is Tontine BOLD?](https://tontine.com/what-is-a-bold-tontine-trust/): The Tontine Bold is a personal strategic Bitcoin & Gold reserve that pays a monthly income for life. Create one now in minutes. ## An introduction to trusts [An Introduction to Trusts](https://tontine.com/an-introduction-to-trusts/): Understand what Trusts are for and why we use them ## Referral rewards [Earn Referral Rewards for introducing Tontine Trust](https://tontine.com/referral-rewards/): Learn how we reward members for introducing our trust services to friend