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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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      Join our Community

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

Tontine Trust terms & conditions of service

© 2025 Tontine Trust Europe KB (‘Tontine Trustees’). All rights reserved.

Tontine Trustees is a regulated trust company in Europe (Sweden) providing trust management services.

We can manage a wide range of assets held in trust for clients (individuals or legal entities) resident anywhere in the world except where restricted by local laws.

The following investments are examples of assets that can be held in a client’s trust for which Tontine Trustees is the custodian and asset manager:

a) Cash Deposits (No Currency Restrictions),

b) ETFs, Target Date Funds, Mutual Funds & Hedge Funds,

c) Commodities including Precious Metals,

d) Stocks and other types of Securities,

e) Bonds & Debentures,

f) Leading Cryptocurrencies

Our focus since 2017 is the establishment and administration of irrevocable lifetime income trusts which operate on the tontine principle (‘Tontine Trusts’).

We create and manage Tontine Trusts formed under the trust laws and standards of world class trust jurisdictions such as Cayman Islands, Jersey, UAE, New Zealand, Hong Kong and Singapore.

Our patented financial technology enables savers to establish a secure lifetime income Tontine Trust within minutes.

No information on this website or the platforms provided by Tontine Trustees or Tontine Trust Advisors LLC should be taken as constituting individual advice to you. The information is informational and of general guidance only.

The choices you make or do not make around the investment of your retirement account are your own responsibility.‍ Tontine Trustees cannot be held responsible for any financial loss arising from your retirement choices or lack of them unless in relation to any fiduciary services which may be provided by us in respect of the administration of your Tontine Trusts.

The amounts and duration of the lifetime income from the Tontine Trusts (including the Tontine IRA™) shown on this website or related marketing material are indicative only. By design, neither the amounts nor the duration of retirement income payments from a tontine plan are fixed or guaranteed.

Based upon many years of research and development, the Tontine Trust® platform displays reasonable estimates of what level of income you can expect to receive over the course of your lifetime. These estimates, and the algorithms used to generate them, are constantly reviewed to adjust for effects upon expected incomes caused by factors including but not limited to changes in interest rates, investment returns, life expectancy and/or the actual mortality experience of members in the same tontine class.

Tontine Trustees will enable you to select from a range of underlying investments and portfolios which we consider reasonable for lifetime income retirement accounts. You should consider carefully which assets and investments you want in your retirement account bearing in mind the investment risks including possible losses of the principal amount invested.

Where a Tontine Member passes away, regardless of the amount of distributions if any that they have received, their remaining balance will be redistributed among those surviving Members of the Tontine class with whom the deceased member was sharing their longevity risk and as such there will not be a balance available for inheritance by spouses, children other beneficiaries or creditors.

Where a Member wishes to provide for family members, the Member should consider establishing and funding a separate Tontine Trust Fund for each of those family members in the MyTontine app.© 2025 Tontine Trust Europe KB (‘Tontine Trustees’). All rights reserved.

Tontine Trustees is a regulated trust company in Europe (Sweden) providing trust management services.

We can manage a wide range of assets held in trust for clients (individuals or legal entities) resident anywhere in the world except where restricted by local laws.

The following investments are examples of assets that can be held in a client’s trust for which Tontine Trustees is the custodian and asset manager:

a) Cash Deposits (No Currency Restrictions), b) ETFs, Target Date Funds, Mutual Funds & Hedge Funds, c) Commodities including Precious Metals, d) Stocks and other types of Securities, e) Bonds & Debentures, f) Leading Cryptocurrencies

Our focus since 2017 is the establishment and administration of irrevocable lifetime income trusts which operate on the tontine principle (‘Tontine Trusts’).

We create and manage Tontine Trusts formed under the trust laws and standards of world class trust jurisdictions such as Cayman Islands, Jersey, UAE, New Zealand, Hong Kong and Singapore.

Our patented financial technology enables savers to establish a secure lifetime income Tontine Trust within minutes.

No information on this website or the platforms provided by Tontine Trustees or Tontine Trust Advisors LLC should be taken as constituting individual advice to you. The information is informational and of general guidance only.

The choices you make or do not make around the investment of your

retirement account are your own responsibility.‍ Tontine Trustees cannot be held responsible for any financial loss arising from your retirement choices or lack of them unless in relation to any fiduciary services which may be provided by us in respect of the administration of your Tontine Trusts.

The amounts and duration of the lifetime income from the Tontine Trusts (including the Tontine IRA™) shown on this website or related marketing material are indicative only. By design, neither the amounts nor the duration of retirement income payments from a tontine plan are fixed or guaranteed.

Based upon many years of research and development, the Tontine Trust® platform displays reasonable estimates of what level of income you can expect to receive over the course of your lifetime. These estimates, and the algorithms used to generate them, are constantly reviewed to adjust for effects upon expected incomes caused by factors including but not limited to changes in interest rates, investment returns, life expectancy and/or the actual mortality experience of members in the same tontine class.

Tontine Trustees will enable you to select from a range of underlying investments and portfolios which we consider reasonable for lifetime income retirement accounts. You should consider carefully which assets and investments you want in your retirement account bearing in mind the investment risks including possible losses of the principal amount invested.

Where a Tontine Member passes away, regardless of the amount of distributions if any that they have received, their remaining balance will be redistributed among those surviving Members of the Tontine class with whom the deceased member was sharing their longevity risk and as such there will not be a balance available for inheritance by spouses, children other beneficiaries or creditors.

Where a Member wishes to provide for family members, the Member should consider establishing and funding a separate Tontine Trust Fund for each of those family members in the MyTontine app.

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  • About Us
  • About Tontine Trust
  • The Team
  • Our Advisors & Ambassadors
  • Who we work with
  • Transparency Policy
  • Investor Relations
  • Supervisory Authority
  • Regulatory Status
  • Download Apps
  • Awards
  • For Providers
  • For DC Providers
  • For Banks, Credit Unions & Trusts
  • For Employers
  • For Schools, Churches & Nonprofits
  • For Governments & States
  • Influencers & Affiliates
  • Resources
  • Tontines in the News
  • Videos & Interviews
  • Research & Whitepapers
  • Blog
  • 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.