We enable you to spend more if you do.
A new era has dawned
We enable you to spend more if you do.
We enable you to spend more if you do.
Don’t let your pension run out of money
“we’re likely to see a lot of people running out of money in later life.“
Even Rich Retirees Fear Outliving Their Money
“Retirees worry they will live too long to enjoy their money.
Americans are more scared of going broke in retirement than death
“64% of respondents across generations said they are more stressed about running out of funds in their golden years than the prospect of death“
Meet the rich retired boomers who are now ultra-frugal because they are scared of going broke
“Even boomers who have retired with at least six figures in savings are feeling the pinch.“
It's a wealth utilisation problem.
For decades, the financial industry tried to solve retirement with better investments.
The 4% rule. Bond ladders. Target-date funds. Dividend investing.
Each helps manage investment risk but none can tell you how long you'll live.
So academics asked a different question...
How do we help people get more retirement from the wealth they already have?
That question led economists and pension experts around the world to revisit the tontine—one of history's most successful ways of turning wealth into lifetime income.
The experts all agreed.
Death pools can bring financial security for the long-lived
“Academics, as well as some asset managers and actuaries, think that an adapted form of tontine might be just the product to provide insurance against the risk of outliving one’s savings.“
Tontines: not such a murderous idea
“They are not so different to annuities, except a saver rather than an insurer benefits from residual capital. Time to give tontines a reboot.“
Executive Order 13440
“Every American preparing for retirement should have access to lifetime income investment strategies including longevity risk-sharing pools.“
Retirement Tontines: Using a classical finance mechanism as an alternative source of retirement income
“Tontine-style products could play a significantly broader role in financing the retirement of U.S. households. Such products could provide higher returns than annuities do“
The advantage of the tontines is about sharing the mortality risks
“We are going to see (National Tontines) soon“
Results suggest that a model that operates on a Tontine principle offers several key benefits over a CDC design.
“This suggests that Collective Drawdown offers two attractive advantages over CDC: protection against poor economic performance, and a higher retirement income overall.“
Why Tontines Should Be a Piece of the Retirement Solution
“Old-fashioned tontines are a modern option to cut fees and manage retirement money.“
Modern Tontines
A Fundamentally Different Approach to Retirement
More Retirement From The Same Wealth
Retirement isn't just about how much wealth you've accumulated. It's about how efficiently you use it.
Modern tontines are designed to help your wealth provide more lifetime income—not by taking more investment risk, but by using your wealth more effectively.
A Licence to Spend
Industry research shows that people with secure lifetime income typically spend almost twice as much as those relying on savings alone.
Modern tontines are designed to provide that same confidence—and the licence to enjoy the wealth you've spent a lifetime building.
More Wealth Working For You
Fixed income provides certainty. Invested wealth helps protect your purchasing power.
Modern tontines replace the cost of an insurance guarantee with longevity sharing, allowing more of your wealth to remain invested.
Beneficial Ownership. Not Promises to Pay.
Annuities are built on contractual promises. Modern tontines are built on beneficial ownership.
Throughout your lifetime, your beneficial interest remains in the assets held in trust, with holdings independently verifiable through proof of reserves.
Hold The Assets You Trust
Modern tontines don't depend on any particular investment strategy.
Whether you prefer inflation resisting assets like Gold, Silver, Bitcoin or a more traditional diversified portfolio, the benefit comes from sharing longevity—not from changing your investments.
Live Long & Prosper®
Research suggests that the financial confidence provided by secure lifetime income doesn't just improve retirement—it may improve wellbeing, health and even longevity.
Modern tontines are designed to replace the stress of financial uncertainty with the confidence of lifetime income.
Financial confidence doesn't just change how people spend. It changes how they live.
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