Tontines
Trust Funds
Pensions
- Coming soon
  The TontineIRA®
  Transfer a standard IRA/401k to a lifetime income IRA with added longevity pooling
- Coming soon
  Tontine Trust Pensions
  Switch to a pension that that offers a steady income that will last as long as you do
- Solutions for Pension Providers
  Our Tontines-as-a-Service platform enables you to add longevity pooling returns to your standard pension products
- Coming soon
  National Tontine Pensions
  Offer lifetime social security for citizens without relying on government guarantees
- Islamic Pensions
  Award-winning naturally shariah compliant pensions for the muslim world.
FAQs
- U.S. Tax Guide
  Understand the potential tax efficiencies of the Tontine Trust Fund

Meet the Visionary Bringing Tontines Back to Life

How a Fintech Mutual is Reviving an Ancient Longevity Insurance Model

Oct 13, 2025

18:53 min watch

Dean McClelland, founder of Tontine Trust, is reviving a centuries-old investment concept to solve modern retirement challenges. A tontine is a pool where participants receive lifetime income, with deceased members' shares redistributed to survivors rather than insurance companies creating a transparent, self-sustaining system with lower fees and potentially 10-30% higher returns than traditional annuities. By combining this approach with blockchain technology and regulatory approval across 33 European countries, McClelland offers retirees longevity protection, inflation hedging, and complete transparency while reducing systemic risk in financial markets.

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More like this

Reinventing Retirement: Dean McClelland on the Modern Tontine

A visionary look at how Tontine Trust is reshaping lifetime income with transparency, technology, and trust.

Nov 4, 2025

38:07 min watch

Instant Insights #8: Dean McClelland Introduces Tontines

A visionary look at how modern tontines could reshape the future of retirement income and financial security.

Oct 13, 2025

31:06 min watch

Why Tontines Might Be the Missing Piece in the Retirement Puzzle

Exploring how modern tontines could reshape retirement income security with Dean McClelland, founder of Tontine Trust.

Oct 11, 2025

48:15 min watch

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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.