Live worry-free with increasing retirement income for life

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How does a tontine work?

The perfect pension for the 21st century

MyTontine is a web and mobile app that allows you to create your ideal lifetime income pension, giving you a worry-free financial future.

Why MyTontine?
A monthly income for life
Our pensions pay a monthly income until age 120, if you plan on living that long!
Your income rises over time
Your income is expected to rise faster than inflation due to our unique 'tontine credits'.
Dramatically lower fees
Our flat 1% annual fees are substantially lower than a life annuity.
Award-winning transparency
You will be provided with full visibility over the safety and sustainability of your income at all times.
End-to-end safety
Your pension adheres to the safety standards of the latest European Union pension directives.

Your data is safe
All personal identities and financial data are secured using advanced cryptography.

Our mission

We want to help everyone enjoy a long and prosperous retirement by creating the only pension that's fit for the modern age.

About us
The world deserves a better pension
Revolutionise the pensions industry
Drive new standards of transparency, value, trust and performance
Modernise and simplify pensions by using brilliant technology
Frequently asked questions
Get answers to your questions and boost your knowledge so that you can save better and retire smarter!
The payout looks amazing. What's the catch?

There is no catch. When someone joins a tontine, they invest a portion of their savings that will allow them to relax and sleep easy, knowing that they will receive a suitable level of income for the rest of their life. However, the golden rule of a tontine is that if someone dies, they no longer need the monthly income.

Therefore, if a member dies within a few years, even before they have received payouts in excess of their original contribution, their remaining payouts will be shared among the surviving members of that pool.

These 'tontine credits' received by surviving members from members who have passed away enable the tontine to continue paying growing monthly incomes to even the very longest-lived members.

What happens if I would like to leave money to my children?

Tontines are a great way to help you take care of your children financially. With existing pension products, your children have to wait until you pass away to see if there is any money left over.

In a tontine, you can use some of your savings to secure an appropriate level of lifetime income for you and your spouse. The balance is then available to help your children earlier to pay university fees, buy a house or start a business if necessary.

How can you be sure that the money will never run out?

In the past, pension schemes would state your payout when you reached retirement.
But then people started living longer, and interest rates went down. This made it almost inevitable that many 'Defined Benefit' schemes would have to break their promises if they were to avoid bankruptcy.

In a tontine, by contrast, the trustees make constant ongoing micro-adjustments to the expected future payouts. This ensures that there will always be enough money to maintain the lifetime income payments. The trust provides full visibility over the safety and sustainability of your income at all times, and must adhere to the safety standards of the latest European Union pension directives.

Furthermore, the very fact that the trustees have the ability to vary these future payments means that the pension fund is not compelled to invest only in government bonds offering close to zero interest. Instead, they can diversify into other types of investment, such as long-term infrastructure funds, which are capable of providing a far higher level of income for the pension scheme members.

How safe is it?

Completely safe. In a tontine, the assets are held in trust for the members.

TontineTrust has no liabilities and is not allowed to engage in any borrowing. As such, the is safer than if it is placed on the balance sheet of an institution that faces financial and operational risks, such as a bank or insurance company.

Additionally, recent Irish case law confirmed that in the event of a person (for example, an entrepreneur) being declared bankrupt by their creditors, their lifetime income from the trust is protected.

The last major industry-wide insurance sector collapse happened 150 years ago in the US when almost every insurance firm was wiped out. The only survivors of this 'extinction event' were those operators also involved in the tontine pensions industry.

What happens to my money?

When you contribute, the trustees ensure that all of the monies are held in trust for the members in a segregated account at a custodian bank or depositary bank. The monies can only be invested in accordance with the Pensions Act, which is based upon the European pension scheme directives.

Our pension scheme rules go one step further, however, by adhering to the new investment standards set down by the EU PEPP Regulations. These stipulate that the majority of the scheme assets must be invested in regulated investments with a strong emphasis on infrastructure and ESG compliant investments.

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