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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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      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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      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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      NEW

      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

Tontine News

All the news about Tontine Trust & the coming tontine revolution

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Tontine Trusts: Introducing the Optimal Design for a Modern Tontine

Understand best practice in modern tontine design and why fiduciaries make the best administrators

Dec 19, 2025

05:00 min read

FEATURED
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Pensions in the Digital Era: A ₿OLD Strategy to Revolutionize Benefits for Global Companies

Remote companies can now offer an exceptional new incentive: Lifetime Incomes backed by Bitcoin & Gold, funded using Tether (USDT)

Dec 23, 2025

04:10 min read

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Instant Low‑Fee Tontine Trust Funds: A Smart Inheritance Solution

Globally mobile parents can now protect their loved ones with a stable monthly income that will last the rest of their lives

Dec 22, 2025

05:50 min read

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Democratizing access to lifetime income investment strategies including longevity risk-sharing pools

It is now the policy of the United States that every American preparing for retirement should have access to Tontines.

Aug 7, 2025

04:00 min read

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And the Pensions Oscar goes to: Tontines

A paper on Tontines has won the International Actuarial Association's Chris Daykin Prize, the Oscar for Pensions.

May 21, 2025

02:00 min read

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Tontine Takes the Shariah Award

Tontine Trust wins its second award for bringing Shariah-Compliant Lifelong Income to Aging Muslims.

Apr 14, 2025

03:00 min read

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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.

Mar 12, 2025

02:00 min read

Tontine Trust is chosen to receive Best Islamic Digital Solution Provider award

Best Digital Islamic Solutions Provider:🏆Tontine Trust

Tontine Trust awarded Best Digital Islamic Solutions Provider at the Global Islamic FinTech Forum 2024 in U.A.E.

Dec 16, 2024

01:00 min read

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Swissair - The Accidental Tontine

The curious case of how the Swissair pension fund became a very successful Tontine

Aug 9, 2024

01:30 min read

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Opinion: DoL must regulate IRA accounts

Kerry Pechter, author of Annuities for Dummies & editor of the RIJ explains why new rules on annuities are needed

Jan 3, 2024

02:00 min read

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What Is a Tontine? Should You Invest In One?

Ruth Saldanha asks: Is a Tontine the Best Way to Get Income in Retirement?

Oct 7, 2022

03:00 min read

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Tontine Trust joins UK Pension Transfers Initiative

In preparation for the future launch of Tontines in the UK & Europe, we have signed up for the FCA endorsed scheme

Mar 21, 2022

01:52 min read

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The OECD recommends mandatory lifetime income tontines

New OECD Legal Instrument 0467 mandates that pensions should include lifetime income in the pay-out phase.

Feb 28, 2022

02:59 min read

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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

Feb 4, 2022

05:00 min read

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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

Aug 18, 2021

02:00 min read

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Canada joins the global shift to tontine pensions

Following on the heels of the OECD recommending that tontine pensions become mandatory, Canada is backing tontines

Apr 29, 2021

08:00 min read

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Tontines offer a solution to Pakistan's pension reform

Pension manager Nadeem Jeddy argues in the Dawn newspaper for reforming Pakistan's public pensions using tontines

Jan 19, 2021

02:00 min read

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Barrons: 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.

Nov 28, 2020

01:00 min read

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Tontines to rebuild the economy after a pensions crisis

How Belgium plans for recovery in the post-Covid world.

Apr 28, 2020

07:00 min read

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Fin-tech's Answer To The Global Retirement Crisis

Fintech Tontine Trust sees an opportunity where millions deserve better solutions.

Jan 30, 2018

03:00 min read

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  • About Us
  • About Tontine Trust
  • The Team
  • Our Advisors & Ambassadors
  • Who we work with
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  • Investor Relations
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  • For Providers
  • For DC Providers
  • For Banks, Credit Unions & Trusts
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  • Tontines in the News
  • Videos & Interviews
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  • Join our Community

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.