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      Receive a Free Tontine Card

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      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

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      For Employers

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

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      For Governments & States

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      About Tontine Trust

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Longevity Risk: Rethinking Retirement Planning

Exploring how individuals perceive life expectancy, the strategies they use to manage longevity risk, and why annuity demand remains puzzlingly low.

Oct 7, 2025

Karolos Arapakis,
Gal Wettstein
Longevity risk book cover

Published in November 2023 by the Center for Retirement Research at Boston College, this report by Karolos Arapakis and Gal Wettstein examines longevity risk in retirement planning. It highlights three themes: misperceptions of life expectancy, strategies like self-insurance and annuities, and the persistent gap between annuity value and adoption.

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Volatility Targeting in Lifetime Pension Pools book cover

Benefit Volatility-Targeting Strategies in Lifetime Pension Pools

A dynamic asset allocation approach that stabilizes pension payouts by jointly managing investment and mortality risks.

Oct 7, 2025

Data unavailable

Optimizing Longevity Risk Management with Dynamic Hedging in GSA Funds

This study demonstrates how dynamic hedging using longevity forwards can significantly stabilize payouts in group self-annuity funds while maintaining strong long-term returns.

Oct 6, 2025

Data unavailable

A Mutual Fund to Yield Annuity-Like Benefits

A pioneering proposal for a tontine-style mutual fund that offers annuity-like income without insurance contracts.

Oct 6, 2025

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Terms & Conditions

Privacy Policy

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.