Since 2022, the OECD has formally recommended all member governments to enable their DC plans to provide lifetime income using tontines or annuities for at least part of the balance.
Reward your employees with the retirement security they deserve without incurring the liabilities and then start investing for the long term like an endowment.
Our Tontine plans offer the option for you continuing to manage the assets while we arrange the administration of all individual member accounts to ensure the absolute sustainability of each of their lifetime incomes.
A monthly income for life
The Tontine IRA™ is designed to pay you monthly income even if you live to age 120. We dare you to test us by living that long!
Your income rises over time
Your income is expected to rise over time to protect your purchasing power from the effects of inflation.
Enjoy dramatically lower fees
Our fees are a flat 1% annually so that more of the available income is left for you.
We work with the trustees to ensure that you have full visibility over the safety and sustainability of your lifetime income at all times.
Prudence is key
The trustees of your Tontine IRA™ have a fiduciary duty of care and are obligated to manage the trust assets in compliance with the principles of the Uniform Prudent Investor Act.
All personal details and your financial data is secured using advanced cryptography.
© 2023 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™.