Your Wealth.
Your Trust.
Your Lifetime Income.
A Tontine Trust Fund combines the long-established protection of a private trust with the efficiency of longevity sharing, helping your wealth support you for life.
Your Trust.
Your Lifetime Income.
A Tontine Trust Fund combines the long-established protection of a private trust with the efficiency of longevity sharing, helping your wealth support you for life.
Why a Tontine Trust Fund?
For centuries, trusts have protected and managed wealth for families, charities and institutions.
A Tontine Trust Fund applies those same fiduciary principles to retirement income by combining a professionally administered private trust with a modern tontine.
The Trust safeguards and administers your assets throughout your lifetime. The tontine determines how longevity is shared.
Together, they provide a modern approach to lifetime income while preserving the long-term benefits of trust ownership.
The Trust protects your assets. The tontine shares longevity. Together they create a modern lifetime income solution.
Hold the Assets You Trust
The Trust provides the legal structure.
You decide which approved reserve assets it holds.
A Tontine Trust Fund is designed to hold approved long-term reserve assets within your Trust.
The role of the Trustee is to safeguard and administer those Trust assets in accordance with the Trust Agreement.
The role of the tontine is to share longevity between members.
Because additional lifetime income is generated through longevity sharing rather than by the particular assets held in the Trust,
members may request the Trustee to hold their preferred approved reserve assets.
Allocated Gold
A time-tested store of value used to preserve purchasing power over long periods.
₿itcoin
A digital reserve asset selected by members seeking long-term purchasing power.
₿OLD
A strategic combination of Gold and Bitcoin, designed to balance stability and long-term appreciation characteristics.
These are the first approved reserve assets.
Additional compatible long-term assets will be added as the platform continues to expand.
The Trust provides stability. The platform offers flexibility.
A Tontine Trust Fund is intentionally established as an irrevocable trust to provide long-term certainty. Within that framework, members retain flexibility over how they build and deploy capital and draw lifetime income as their circumstances evolve.
- Contribute When You Choose
Add to your Trust whenever you wish, in any amount, helping build additional future lifetime income. - Start Income When You're Ready
Begin, pause or postpone monthly distributions to suit your changing needs. - Choose Your Distribution Profile
Balance higher income today against greater potential income later by selecting the profile that matches your long term goals. - Adjust Your Reserve Assets
Request changes to your approved reserve assets as your circumstances evolve.
Your life evolves over time. Your Trust can evolve with it.
Beneficial Ownership. Not Just a Promise to Pay.
A fundamentally different legal foundation for lifetime income.
Traditional solutions such as annuities exchange ownership of your assets for a contractual promise to pay.
A Tontine Trust Fund preserves your beneficial interest in assets held in trust throughout your lifetime. Those assets remain professionally administered and independently verifiable through proof of reserves.
Rather than depending solely on the financial strength of an insurer, your lifetime income is supported by assets held in trust and administered by fiduciaries under the Trust Agreement.
- Beneficial Ownership
Your beneficial interest remains in Trust Property held for your lifetime benefit. - Professional Trustees
Independent Trustees administer the Trust under fiduciary duties and the Trust Agreement. - Independently Verifiable Assets
Trust holdings are professionally custodied and independently verifiable through proof of reserves.
The difference isn't just how the lifetime income is generated.
It's how your wealth is protected.
More Of Your Wealth Stays Working For You
Lifetime income no longer means having to give up on long-term growth.
Traditional lifetime income products often require you to exchange your assets for a guaranteed fixed payment. Providing that guarantee typically requires insurance capital and reserves, which can reduce both the income available and your participation in the future appreciation of the underlying assets.
A Tontine Trust Fund takes a different approach. By sharing longevity directly between members instead of purchasing an insurance guarantee, more of your wealth can remain deployed in the Trust while continuing to support lifetime income.
- Your Capital Working For You
Rather than being exchanged for an insurance promise, your Trust continues to hold approved long-term reserve assets throughout your lifetime. - Longevity Sharing Instead of Insurance
Lifetime income is supported by longevity sharing rather than an insurance guarantee. - One Transparent Fee
A simple 1% annual administration fee with no commissions.
Fixed income provides certainty. Deployed wealth helps protect purchasing power. Modern tontines are designed to combine lifetime income with the long-term potential of capital appreciation.
Professionally Administered Every Month
A lifetime income arrangement should evolve as life does.
A Tontine Trust Fund is professionally administered every month. Trustees verify participating members, value Trust assets, calculate monthly distributions and administer longevity sharing in accordance with the Trust Agreement.
As markets change, members join, and lifespans differ from expectations, each month's administration reflects the latest information rather than assumptions made years earlier.
✓ Verify Members
Digital proof of life confirms participating members.
✓ Value Trust Assets
Reserve assets are independently valued at each month end.
✓ Calculate Distributions
Monthly lifetime distributions are recalculated using the Trust's published methodology.
✓ Administer Longevity Sharing
Remaining Trust Property from deceased members is redistributed to the surviving Member Trusts.
Every month, your Trust reflects today's assets, today's members and today's information—not assumptions made in the past.
Professional Trustees
Powered by World-Class Infrastructure
Tontine Trust Europe - Trustees
Administers the Trust in accordance with the Trust Deed and fiduciary duties, including the safeguarding of Trust Property, monthly administration and longevity sharing
BitGo - Global Custodian Bank
BitGo Bank & Trust is a leading global qualified custodian securing $100 Billion of assets on behalf of 1,500 institutions. Tontine Trust uses Trust wallets held by us at BitGo to enable independently verifiable proof of reserves.
Borderless - Global Payments
A state-of-the-art payments network that enables financial institutions to transfer money globally at far greater speed and lower costs than the SWIFT network.
Facetec - Biometric Authentication
Founded in 2013, FaceTec is the world leader in 3D Face Matching & Proof-of-Liveness software with over 100 Channel Partners globally.
Model Your Potential Lifetime Income
These estimates are based upon mortality rates and asset values which change regularly.
The Tontinator is part of the patented Tontine administration platform. Many new features are still in testing and will be deployed soon.
Illustrations are based upon reasonably expected asset values and average life expectancies which change over time.
Therefore the illustrations and the actual distributions received will vary in response to realised changes in the value of the assets and the realised mortality of members of the Tontine Class to which you are assigned.
Annuity rates, where shown, are estimated based upon currently advertised rates from sources which we believe to be reliable.
The Tontinator is for illustrative purposes only and there is no guarantee that these results will be achieved by any of the members.
Prospective members should consider their personal circumstances and risk tolerances before establishing a Tontine Trust. Consult an advisor where appropriate.
A Lifetime Income in your pocket
Our simple to use mobile apps make sure that you can control your monthly income from the comfort of the beach or golf course.
