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  • Tontines

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      Introduction to Tontines

      Start here if you are new to Tontines & longevity pooling

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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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      Research & Whitepapers

      Read the latest academic papers and research advocating for more Tontines

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      Tontines in the News

      Read the latest news on Tontine Trust and the Tontine renaissance

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      Videos & Interviews

      Sit back and watch what the world says about Tontines

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      Download the Apps

      Download the Tontine App and manage your lifetime income from your mobile or tablet.

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      NEW

      Webinars & Events

      Join us at one of our upcoming webinars and events

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      The Tontiner Blog

      Lifestyle tips for Tontiners that want to Live Long & Prosper®

  • Trust Funds

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      What is a Tontine Trust Fund?

      Understand what a Tontine Trust Fund is and how it delivers lifetime income

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      What is a Trust?

      Understand the basics of how Trusts work

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      Gold Tontines

      Lifetime Income Trusts backed by physical Gold, the world’s reserve asset

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      Bitcoin Tontines

      Lifetime Incomes backed by the worlds favorite digital asset

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      Tontine BOLD

      A Lifetime Income Trust backed by Bitcoin and Gold

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      Silver Tontines

      Lifetime Income Trusts backed by physical Silver

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      Islamic Tontines

      Naturally shariah compliant lifetime incomes based upon ethical risk sharing principles.

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      How it Works

      See how you easily can establish your individual lifetime income trust fund

  • Pensions

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      The TontineIRA®

      Transfer a standard IRA/401k to a lifetime income IRA with added longevity pooling

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      Tontine Trust Pensions

      Switch to a pension that that offers a steady income that will last as long as you do

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      Solutions for Pension Providers

      Our Tontines-as-a-Service platform enables you to add longevity pooling returns to your standard pension products

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      National Tontine Pensions

      Offer lifetime social security for citizens without relying on government guarantees

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      Islamic Pensions

      Award-winning naturally shariah compliant pensions for the muslim world.

  • FAQs

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      U.S. Tax Guide

      Understand the potential tax efficiencies of the Tontine Trust Fund

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About Us

We are the global pioneer of modern tontine trusts that pay you monthly for the rest of your life.

Learn about who we are and how we got here.

What if retirement planning is solving the wrong problem?

For decades, retirement saving has focused on one objective: accumulating the largest possible pot of money.

But retirement isn't really about building wealth.

It's about converting wealth into income that lasts as long as you do.

And that's where things get interesting.

A growing number of economists and retirement experts believe that one of the oldest ideas in finance may offer a surprisingly effective solution to one of retirement's biggest challenges: longevity.

Join the leadership team behind Tontine Trust for a live introduction to Tontine Trust Funds and the TontineIRA®.

More importantly, join us for what may be one of the first opportunities in the lifetime income industry for everyday savers to question the people building the product directly.

No scripts. No sales presentation. No pre-screened questions.

Just an open discussion about retirement income, longevity risk, and whether there might be a better way.

What We'll Cover

• Why living longer can be a bigger retirement risk than market volatility

• How modern tontines work

• How Tontine Trust Funds and the TontineIRA® are designed

• A live demonstration of the Tontine Trust platform

• Live audience questions with the executive team

Who Should Attend?

• Individuals planning for retirement or looking to retire young

• Retirees interested in lifetime income solutions

• Financial professionals curious about modern tontines

• Anyone who has ever wondered whether retirement planning has become more complicated than it needs to be

Reserve Your Place

Attendance is free. Registration required.

Featured Speakers

Participants are invited to directly question the leadership team building the solutions.

Dean McClelland Portrait

Founder/CEO

Dean McClelland

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Steven Smith portrait

Head of Investment Operations

Steven Smith

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Kevin Maas Portrait

US Regulatory Affairs Advisor

Kevin Maas

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Upcoming webinars and events

Webinar: Tontine Trust Funds

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Date: July 8th, 2026

Time: 7pm Eastern, 6pm Central, 4pm Pacific.

  • Find out how our Tontine Trust Funds work and who they are for
  • Submit your questions live to the leadership team


*Registration required to attend and submit questions.

Register to Attend
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Terms & Conditions

Privacy Policy

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 Swedish authorised trust management company. 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 in accordance with predefined trust terms and applicable fiduciary duties.

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. Estimates are for illustrative purposes only and are not predictions or guarantees.

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 predefined trust rules governing survivorship-based allocation of beneficial interests. 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.