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Trust Funds
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- Coming soon
  The TontineIRA®
  A traditional IRA designed to pay an income for life to the IRA owner
- Coming soon
  A Joint TontineIRA®
  Protect your nearest and dearest when you are gone with an income for life
- Coming soon
  The Tontine Roth IRA™
  Transfer your existing Roth IRA to enjoy tax free income for life
- Illustrate your Potential Distributions
  Enter your age, preferred asset and distribution profile to see illustrations
- For Employers
  Give your staff the lifetime income component to ease their retirement worries
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  Enable best in class, lifetime income pensions for your employees
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  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
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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

Dean McClelland, founder of Tontine Trust, is reviving a centuries-old investment concept to solve modern retirement challenges. A tontine is a pool where participants receive lifetime income, with deceased members' shares redistributed to survivors rather than insurance companies creating a transparent, self-sustaining system with lower fees and potentially 10-30% higher returns than traditional annuities. By combining this approach with blockchain technology and regulatory approval across 33 European countries, McClelland offers retirees longevity protection, inflation hedging, and complete transparency while reducing systemic risk in financial markets.

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More like this

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

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

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

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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.