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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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      NEW

      Flexible Distribution Profiles

      Optimise distributions periodically for what you need right now versus later

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      Coming soon

      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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      NEW

      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 Videos

Watch the latest interviews & webinars about the coming Tontine renaissance

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Tontines explained in less than 2 minutes

Learn how a Tontine Trust works and why consumers 'always' prefer it them to legacy retirement income solutions.

Feb 17, 2020

01:45 min watch

FEATURED
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The Simpsons did it again

Abe wants to join an art tontine to so that he doesn't end up in a retirement home.

Oct 22, 2025

01:15 min watch

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Meet the Visionary Bringing Tontines Back to Life

How a Fintech Mutual is Reviving an Ancient Longevity Insurance Model

Oct 13, 2025

18:53 min watch

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Instant Insights #8: Dean McClelland Introduces Tontines

A visionary look at how modern tontines could reshape the future of retirement income and financial security.

Oct 13, 2025

31:06 min watch

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Why Tontines Might Be the Missing Piece in the Retirement Puzzle

Exploring how modern tontines could reshape retirement income security with Dean McClelland, founder of Tontine Trust.

Oct 11, 2025

48:15 min watch

Brookings discussion about retirement security

Are Tontines a 'gateway drug' to a better retirement?

Great Brookings talk today about a potential Secure 3.0 Act to further improve US retirement income options.

Feb 13, 2025

05:54 min watch

3D character of old man with a text saying what's the problem?

Yes, all financial markets are broken. Do you know why?

Listen carefully to this simple video that explains the greatest threat to your financial wellbeing.

Jan 28, 2025

39:36 min watch

Paul Tudor on BOLD topic

Hedge Fund Legend Paul Tudor Jones has gone ₿OLD

Paul Tudor Jones declares that "All roads lead to inflation (which is why) I'm long gold and I'm long bitcoin"

Oct 28, 2024

01:33 min watch

A thumbnail for a video titled 'Tontine in the US' with Dean McClelland as a guest

Interview video for Real Vision - Tontine in the US

Can tontines prevent millions of savings-poor Americans from facing poverty in retirement?

Feb 17, 2020

00:44 min watch

A thumbnail for a video titled 'Annuities vs Tontines' with Dean McClelland as a guest

Interview video for Real Vision - Annuities vs Tontines

Real Vision, Dean McClelland talk tontines: a solution to the world’s most disliked pension product, annuities.

Feb 17, 2020

06:04 min watch

A thumbnail for a video titled 'History of Tontines' with Dean McClelland as a guest

Interview for Real Vision TV - History of Tontines

Dean McClelland of Tontine Trust on tontines’ history: from funding wars in France to top pension choice.

Feb 17, 2020

01:34 min watch

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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.