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.
Most wealth and retirement plans have the same problem:
not knowing how long you you will live for means you should avoid spending too much today.
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.“
No investment strategy can tell you how long you'll live.
The 4% rule, bond ladders, target-date funds and dividend portfolios all help manage investment risk.
None can tell you how long you'll live.
That's because retirement isn't really an investment strategy problem.
It's the problem of not knowing how many years your money needs to last.
Retirement isn't a wealth problem. It's a wealth utilisation problem.
For decades, the financial industry has focused on one question:
How do we help people accumulate more wealth?
More savings. More contributions. More growth. More returns.
Then academics started to ask a different question:
How do we help people get more retirement from the wealth they already have?
The insight is that pension outcomes are not solely down to asset performance,
but also by how longevity risk is managed.
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.“
Why do people choose a Tontine Trust?
Tontine Trusts are the smart way to secure a steady passive income for life.
Longevity Yields
- Traditional portfolios rely entirely on asset returns.
- Tontine Trust Funds combine asset returns with Longevity Yield generated when Trust assets attributable to deceased members are redistributed among surviving members of the same Tontine Class.
Get More Years From Your Wealth
- Most wealth strategies focus on accumulating wealth.
- Tontines help members get more from the wealth they already have.
- Numerous studies show that lifetime incomes make you happier due to the absence of anxiety about money.
Spend More Today
- 70% of savers at, or near, retirement worry constantly about needing to spend less in case they live too long.
- Tontines enable members to enjoy more of their wealth today while remaining protected for every tomorrow.
- Industry research indicates that those with lifetime incomes spend double what they would spend if they managed their longevity risk alone.
Live Long & Prosper®
- Traditional wealth strategies & retirement plans either ignore longevity or treat it as a risk.
- Tontines convert longevity into a source of yield.
- The longer members live, the more they can benefit from longevity pooling.
Hold The Assets You Trust
- Choose from a mix of assets for the trustee to hold in custody.
- Pick from long term assets expected to resist inflation such as Gold, Silver & Bitcoin.
- The advantage comes from how you use your wealth, not from an investment strategy.
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For decades, the financial industry has focused on one question:
How do we help people accumulate more wealth?
More savings. More contributions. More growth. More returns.
Then academics started to ask a different question:
How do we help people get more retirement from the wealth they already have?