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Opinion: DoL has the obligation to regulate conduct affecting qualified accounts

Read the thoughts of Kerry Pechter, author of Annuities for Dummies...

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Jan 3, 2024
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02:00 min read
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Tontine Trust joins Transfers & Re-Registration Initiative

Ahead of our upcoming launch of CDC & PEPP Pensions, we...

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Mar 21, 2022
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01:52 min read
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Seismic: OECD calls for default lifetime income Tontines

On 23rd Feb 2022, the OECD Council adopted Legal Instrument 0467...

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Feb 28, 2022
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02:59 min read
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How Tontines could bring Innovative Mutualism to Brazil

José Ribeiro Pena Neto, former CEO of both Abrapp and Forluz...

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Feb 4, 2022
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05:00 min read
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A pensions new deal? Brookings backs tontines…

US think-tank Brookings is calling for pensions to be more equitable,...

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Aug 18, 2021
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02:00 min read
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Canada joins the global shift to tontine pensions.

Following hard on the heels of the OECD recommending that tontine...

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Apr 29, 2021
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08:00 min read
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Dawn: Tontines offer a solution to Pakistan's pension reform

Nadeem Jeddy of Magnus Investment Advisors in Karachi argues for reforming...

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Jan 19, 2021
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02:00 min read
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Barrons: Tontine Pensions to Lessen Longevity Risk

Retirement in Brief: An Idea to Lessen Longevity Risk by Nick...

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Nov 28, 2020
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01:00 min read
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Are tontines the solution to the decumulation conundrum?

Tontines, an ancient form of mutual longevity insurance, could be making...

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Sep 4, 2020
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05:00 min read
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Tontines: rebuilding the economy & the pension crisis solution?

How Belgium plans for recovery in the post-Covid world.

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Apr 28, 2020
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07:00 min read
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Fintech's Answer To The Global Retirement Crisis

Forbes: Academics have long advocated for tontines as an efficient retirement...

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Jan 30, 2018
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03:00 min read
  • About Us
  • About Tontine Trust
  • The Team
  • Our Advisors & Ambassadors
  • Who we work with
  • Transparency Policy
  • Investor Relations

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™.