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    Safely spend 7.27% per year and rising without ever running out

    See how much lifetime income you can spend in retirement from a TontineIRA™ (live rates for a 65YO Male)

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    Upgrade your retirement in 5 minutes or less

    Rollover your old IRA / 401(k) to a Lifetime Income TontineIRA™ & get ready to Live Long & Prosper®

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    Focus on rising spending not on rising prices

    Register to see how much lifetime income you can expect and how far it can rise over the course of your retirement.

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    Safely double your retirement spending compared to a regular IRA

    Spending down your life savings can cause you sleepless nights. A lifetime income TontineIRA™ enables you to safely spend far more

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    Your health is your wealth in a TontineIRA™

    Retirement shouldn't be about stock picking in your old age. Just take care of yourself and your TontineIRA™ will take care of the rest.

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What the world says about us

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Noah Balulis

Youtuber

youtube.com

I have to agree that most people do worry and think about their retirement in fear. It would be lovely to see this change. The world could surely become a happier, more exciting place.

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Jonathan Chevreau

Financial Journalist

MoneySense

moneysense.ca

Tontines are easier to administer, cleaner and less capital-intensive and can be expected to generate rising payment streams over time, at least for those who live long enough to benefit from the superior mortality credits they provide. In a classical tontine, payments are initially quite low – at best comparable to the risk-free rate on bonds... But as retirees die, tontines become more attractive for those who survive. The last few survivors may receive 10 times more than they put into the scheme.

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Raoul Pal

Founder & CEO

Real Vision TV

realvision.com

I love the idea of Tontines. They solve so many problems for retirees. These guys are bringing them back, super interesting.

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Olivia S. Mitchell

Pensions Research Council @ Wharton

Forbes

forbes.com

A tontine is an investment pool managed in an actuarially fair way, according to a plan for distributing fully-funded payouts to investors. There are two key differences between a tontine and an ordinary investment. First, tontine investments are generally irrevocable. Second, account balances are not transferred to a member’s beneficiaries upon death. Instead, remaining assets are equitably apportioned among the pool’s surviving participants. Accordingly, monies forfeited by those who die increase the returns to those who survive.

These extra returns are referred to as “mortality credits.” In this way, tontines allow members to collect lifetime income by collectively self-pooling longevity risk among themselves. This obviates the need for (and cost of) an insurer as guarantor. Tontines are not insurance, though they can deliver lifetime income similar to payout annuities and pensions. Tontines simply cut out the middleman.

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Jason Sen

Derivatives Trader / Startup Founder

Intelligent AI Solutions

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At 55, my biggest concern is the potential burden on my kids if I'm unable to work and an unexpected illness strikes. The Tontine-based pension product deals with this issue with a steady stream of funds for life to ensure the bills are always getting paid.

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Gary S. Mettler

Financial Advisor & Author

The Annuity Maestro

garysmettler.com

First rate! I'm so excited about your effort I can barely stand it!

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Jason Maggard

This is brilliant. I'm 50 and was in retirement planning a number of years back. All retirees with any amount of money FEAR outliving their money. So they rarely enjoy spending in retirement without guilt. So they scrimp and die someday with 10%-80% of their money left over. How great to know each year you last in retirement your standard of living goes up! Spend Enjoy More Is Coming Next Month. Brilliant!

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Save your spot for a test drive to see if a TontineIRA™ is right for you.

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Tontine Trust is a financial technology company, not a bank or chartered trust.
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Website TermsPrivacy Policy

© 2024 Tontine Trust Advisors LLC ('Tontine Trust'). All rights reserved.

Tontine Trust is a fintech enabling consumer-friendly lifetime income retirement products such as the state of the art TontineIRA™ via banks, chartered trust companies and credit unions (each a ‘Bank’).

Banking, trustee and fiduciary services in the US are provided by partner Banks which are regulated in the US to act as fiduciaries on behalf of US Tontine IRA™ accountholders (‘members’).

Tontine Trust provides and operates the TontineIRA™ administration and record-keeping platform on behalf of and under the supervision of the Banks.

Tontine Trust is not a Bank or a trust company and does not provide banking & fiduciary services other than certain administrative services in a ministerial capacity as the Trust Advisors to the Tontine IRA™s.

No information on this website or the platforms provided by Tontine Trust should be taken as constituting individual advice to you. The information is informational and of general guidance only. Tontine Trust does not provide investment management services, financial advice, banking or fiduciary services.

The choices you make or do not make around the investment of your retirement account are your own responsibility.‍ Neither Tontine Trust nor the Banks can be held responsible for any financial loss arising from your retirement choices or lack of them.

The amounts and duration of the lifetime income from the Tontine IRA™ are indicative only. By design, neither the amounts nor the duration of retirement income payments from a tontine plan are fixed or guaranteed.

Based upon many years of research and development, the TontineIRA™ platform displays reasonable best estimates of what level of income you can expect to receive over the course of your lifetime. These estimates are constantly reviewed (sometimes nightly) to incorporate any effects on expected incomes caused by changes in interest rates, investment returns, life expectancy and/or the actual mortality experience of members sharing the same tontine.

The Banks we work with are required to manage US trust assets in accordance with the Uniform Prudent Investor Act.‍

To ensure maximum security of capital and income for members, the Tontine IRA™ assets will be invested by the Banks in a basket of FDIC insured deposits such that each up Tontine IRA™ account can obtain FDIC coverage up to approximately $10m of assets per member.

Note that while the deposits made on behalf of the Tontine IRA™s are FDIC insured, the IRA accounts themselves are not a deposit or other obligation of, or guaranteed by a Bank or state chartered trust company and are not directly insured by the FDIC. Therefore they should be considered as being subject to investment risks, including a possible loss on the principal amount invested, for example when a member passes away before they have received total income in excess of their original contribution to the TontineIRA™.

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