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      The TontineIRA®

      A traditional IRA designed to pay an income for life to the IRA owner

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      Protect your nearest and dearest when you are gone with an income for life

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Protected Income: A Research Perspective on Retirement Security


Exploring the role of protected income solutions in enhancing retirement security through research-driven insights.


Oct 6, 2025

Mackenzie Investments
Two elderly people and a quote for protected income

The pandemic shook retirement confidence. Jobs were lost, markets swung wildly, and many people started rethinking how they’ll fund their future.

Protected income like annuities or guaranteed pension streams offers a safety net. It helps retirees worry less about market dips or outliving their savings.

But demand dropped during COVID. Why? Fear, low interest rates, and uncertainty made people hesitate. Ironically, that same uncertainty makes protected income even more valuable.

This research paper published on November 1, 2021 dives into how economic shocks affect retirement planning, and why secure income streams should be part of the conversation especially now.

Read Full Paper

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Longevity risk book cover

Oct 7, 2025

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

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Website Terms

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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.