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Your Money. Your Life. Why Wait?
How it Works
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An odd thing happening in America with “Tontine” pensions.
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Tontines garnering a new wave of interest
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A proven model from history, redesigned for modern life
For centuries the tontineA tontine is a longevity-risk sharing arrangement linked to a living person (the 'member'), under which periodic distributions are paid for as long as the member is alive. Distributions are not guaranteed and may vary over time based on asset performance and the survival of other members. As members of a tontine class pass away, their remaining trust balances are redistributed among the surviving members, which affects future distributions. was how groups of people throughout the world planned for lifetime spending by sharing their longevity risk.
The key? Leftover monies are shared among those still living.
Tontine Trust has revived this simple time-tested concept using modern trust structures and digital administration.
Our Tontine Trust Funds apply the tontine principle to provide lifetime payouts that adjust naturally over time based on asset performance and who remains in the group.
How It Works
The simple, natural way to take back control of your financial destiny.
Form the Trust Online
Register to establish and contribute to your individual lifetime irrevocable Trust.
Choose the assets that you trust to provide a long-term store of value.
Start taking your monthly distributions at any age, in line with the rules of the Trust.
The Tontine Begins
The Trust joins a Tontine Class of members of the same sex and similar age.
As members pass away, leftover Trust assets are shared among the Trusts of surviving members of the Tontine Class.
The leftover balances, together with asset performance, help power the lifetime payouts.
The Über Tontine
When the average age of a Tontine Class reaches 100, the Class joins the Über Tontine.
The Über Tontine continues over time and supports ongoing payouts for very long-lived members.
Why do people choose a Tontine Trust?
Tontine Trusts are a smart, fair way to secure a steady income for life.
Lifelong Income, Made Simple
- Contribute to your trust as often as you wish,
- Select a reserve asset for your trust,
- Choose the income profile that works for you,
- Use the app to set and update the income start date,
- Start receiving monthly income automatically.
Enjoy Flat Low Fees
- A 1% annual fee covers the costs,
- No set-up costs or hidden charges,
- No commissions for agents,
- = More of your income comes to you.
Effortless, Secure Access
- Login via the website or the mobile apps,
- No passwords to forget - just login with your face,
- Update your receiving bank account any time,
- Appoint your trusted person in case of emergency.
A Lifetime Income in your pocket
Our simple to use mobile apps make sure that you can control your monthly income from the comfort of the beach or golf course.
Use the 'Tontinator' to illustrate potential income
Estimates are based upon mortality rates and asset values which change regularly
The Tontinator is part of the patented Tontine administration platform. Many new features are still in testing and will be deployed soon.
Illustrations are based upon reasonably expected asset values and average life expectancies which change over time.
Therefore the illustrations and the actual distributions received will vary in response to realised changes in the value of the assets and the realised mortality of members of the Tontine Class to which you are assigned.
Annuity rates, where shown, are estimated based upon currently advertised rates from sources which we believe to be reliable.
The Tontinator is for illustrative purposes only and there is no guarantee that these results will be achieved by any of the members.
Prospective members should consider their personal circumstances and risk tolerances before establishing a Tontine Trust. Consult an advisor where appropriate.
Easy to setup
Your Trust Fund can often be established and funded within 15 minutes
Design your Plan
Estimate your potential contributions, choose a reserve asset, choose an income level and when you want the income to start being distributed.
Fund your Trust
Once you pass our onboarding process, you can start contributing through a local currency account in your name at one of our partner banks.
Relax & Start Living
People with lifetime incomes are happier and live up to 20% longer than those living in fear of running out of money according to research
Our global banking infrastructure
Borderless - Global Payments
A state-of-the-art payments network that enables financial institutions to transfer money globally at far greater speed and lower costs than the SWIFT network.
BitGo - Global Custodian Bank
BitGo Bank & Trust is a leading global qualified custodian securing $100 Billion of assets on behalf of 1,500 institutions.
Supported currencies:
more coming soon...