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  • Tontines

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      What is a Tontine?

      Learn what a Tontine is and how modern Tontines work

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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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      NEW

      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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      Coming soon

      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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      Coming soon

      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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      Coming soon

      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

Go to App
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Why a Tontine BOLD Trust Fund?

Tontine BOLD is like a Bitcoin/Gold backed strategic reserve for you and your family.

  • A tax-shelteredTax-sheltered refers to legal methods of reducing or deferring taxes using approved financial instruments or accounts. These strategies operate within tax laws to minimize tax liabilities.

    Tax evasion, in contrast, is the illegal act of deliberately avoiding taxes owed by misreporting income, inflating deductions, hiding assets, or engaging in fraudulent schemes to conceal money from tax authorities. Tax evasion carries severe penalties, including fines and imprisonment.     irrevocable trust formed in a Tier 1 trust jurisdiction,
  • 5 minutes or less to create with zero setup costs,
  • Backed by Bitcoin/Gold, the same assets now being acquired by strategic reserve funds across the planet.
  • Versions available for individuals, couples or whole families,
  • Monthly incomes paid to your Tontine Card or bank account,
  • The monthly income for each family member lasts for life,
  • Secured from the claims of creditors in most circumstances,
  • Fully auditable Proof of Reserves provided over blockchain.
How it works
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What is BOLD?

BOLD is a blend of two of the scarcest assets on the planet: Bitcoin and Gold.

While Bitcoin is like a crazy hare jumping up and down, Gold is the tortoise that keeps plodding along making steady gains against government printed currencies.

Each on their own is a great asset to have, particularly in times of inflation, but together they become even more powerful.

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Why do they combine so well?

Essentially Bitcoin is a risk-on asset which means that when markets go up, so does Bitcoin.


Gold on the other hand is more of a risk-off asset meaning that when other assets are falling, gold tends to outperform.


In the same way that a 60/40 bond/equity mix used to bring stability to a portfolio, you can now use Bitcoin and Gold instead.

The BOLD Report

What is the right combination?

In 2014, our friends at Bytetree developed an exchange traded BOLD product based upon their prediction that the perfect combination is ~25% Bitcoin and ~75% Gold.

Over the past decade, this combination has risen by 10X which equates to a compound annual growth rate of 25% per annum with all economic indicators suggesting that this is just the beginning of a long trend for BOLD.

We highly recommend checking out their excellent website: The Bold Report.

What the experts think of BOLD?

  • It's a re-invigoration of an old concept and making it new again for your retirement. No one wants to outlive their money so investigate TontineTrust.

    Jon Matonis

    Founder of The Bitcoin Foundation & Hushmail, the worlds first encrypted email service.

    Jon Webp

  • At Tontine Trust, we aim to revive a smart, abolished solution to tackle one of the toughest challenges in today's global economies.

    Jörg Platzer

    Founder of the German National Blockchain Foundation, Owner of Room 77

    Jorg Webp

  • Tontines, they solve so many problems for retirees.

    These guys are bringing them back.

    Super interesting.

    Raoul Pal

    Founder/CEO of Real Vision TV & hedge fund Global Macro Investments

    Portrait of Raoul Pal against a white background
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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 the Apps
  • Awards
  • For Providers
  • For DC Providers
  • For Banks, Credit Unions & Trusts
  • For Employers
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  • For Governments & States
  • Influencers & Affiliates
  • Resources
  • Tontines in the News
  • Videos & Interviews
  • Research & Whitepapers
  • The Tontiner Blog
  • Referral Reward Program
  • Download the Apps
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.