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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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      NEW

      Join our Community

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

Oct 7, 2025

Karolos Arapakis,
Gal Wettstein
Longevity risk book cover

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

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A Mutual Fund to Yield Annuity-Like Benefits

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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.