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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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      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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What is a Tontine?

A Tontine is the world's oldest and most enduring strategy for helping people get more from the wealth they already have.


By sharing longevity riskLongevity risk is the risk that you live so long that your savings run out. Research shows that between 60-70% of savers at, or near, retirement fear running out of money in old age more than dying., tontines turn wealth into lifetime income more efficiently.


Members receive monthly distributions for as long as they remain alive. When a member passes away, their remaining assets stay within the tontine and are redistributed among surviving members. This additional source of returns


The result is not better investment performance, but better wealth utilisation.



By sharing longevity risk, the added longevity yieldThe strategic value of a Tontine is that you earn a type of return simply for staying alive longer than other members of your tontine class with similar life expectancies.

The WSJ's MarketWatch describes these longevity transfers as “a type of guaranteed ‘alpha’ not available in any other asset class.

Under normal circumstances, these gains arise slowly at younger ages but start accelerating over time as members of the relevant tontine class get closer to their life expectancy ages.

In times of war or pandemics affecting member of a tontine class, longevity transfers could arise sooner. of a tontine enables every member to enjoy a higher standard of living throughout their lifetimes than would be possible if each one had to make their own plan for living a very long life.

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How safe are Tontines?

The safest and most highly regarded pension systems in the world — including those in Sweden, Iceland, the Netherlands, and Denmark — rely on tontine-style longevity risk pooling to help provide sustainable lifetime retirement income. These systems are overseen by professional trustees and fiduciaries who are required to act in the best interests of their members.

Tontine Trust was founded in 2017 with the mission of making modern trustee-managed tontines accessible to savers worldwide.

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What if I want my children to receive an inheritance?

Each Tontine Trust is designed to provide lifetime income security for a single member, meaning the assets contributed to the trust remain dedicated to supporting that member throughout their lifetime rather than passing to family through their estate.

Families wishing to provide long-term financial security for future generations can establish separate Tontine Trusts for each child or family member, helping provide them with sustainable lifetime income that cannot be outlived.

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Why would I choose a Tontine over an Annuity?

Historically, up to 5 times more savers chose tontines over annuities because tontines can provide higher lifetime income and a higher standard of living throughout retirement.

Rather than paying an insurance company to guarantee fixed payments, tontines allow members to pool longevity risk together directly. This simpler structure reduces costs and allows more of the asset returns and longevity gains to remain with members.

In exchange, members understand that distributions will adjust over time based on asset prices and member longevity.

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Where does the higher income come from?

The higher income generated by a tontine comes from longevity risk pooling. When members of the tontine pass away, the assets that were supporting their future distributions remain within the tontine and are redistributed among surviving members rather than being part of the general estate.

As a result, surviving members benefit not only from the returns generated by the underlying assets, but also from longevity gains created through the collective sharing of longevity risk.

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Who governs the Tontine?

Each Tontine Trust is professionally governed by independent trustees and fiduciaries whose responsibility is to act in the best interests of members. Trustees oversee the assets, ensure distributions are administered fairly, and help protect the long-term sustainability of the tontine.

Tontine Trust Europe KB, authorised in Sweden as a Trust management company, provides trustee-managed tontine structures established under the laws of well-established international trust jurisdictions that impose strict fiduciary duties and safeguards on trustees.

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Why not just live off passive income from investments?

Traditional passive income strategies rely solely on investment returns such as dividends, interest, or rent.

Individuals managing their own assets must also spend cautiously because they do not know how long they will live and are entirely dependent on investment returns to maintain their lifestyle.

Tontines enable sustainable lifetime income by combining the dual benefits of asset returns and longevity gains.

This additional source of value supports higher sustainable lifetime income and a higher standard of living than would typically be possible outside a longevity pool.

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Where did Tontines come from?

Tontines are named after Lorenzo de Tonti, a 17th-century Italian banker who helped popularise the idea of pooling money together to provide lifetime income through longevity risk sharing.

First introduced in Europe during the 1600s, tontines were widely used by governments, pension systems, and private savers for centuries because they allowed members to generate higher sustainable lifetime income by combining investment returns with longevity risk pooling.

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What modern tontines exist today?

Tontines continue to exist today primarily through some national pension systems that use longevity risk pooling to help provide sustainable lifetime retirement income.

Tontine Trust Funds are the first modern internationally accessible tontines designed for savers of all ages seeking passive lifetime income beginning at any stage of life.

As a result of modernised retirement and pension regulations, Tontine Pensions, including the TontineIRA®, will soon be available in many OECD countries which are seeking more efficient retirement solutions for savers in need of lifetime incomes.

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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.