What type of Investor am I?

Please select the category that best describes your investment status
TontineTrust® blue and gray logo on a transparent background
  • Tontines

    • Blue key hole inside hexagon icon

      Introduction to Tontines

      Start here if you are new to Tontines & longevity pooling

    • Tontine Trust blue transparent logo without white rectangle

      About Tontine Trust

      Find out more about who we are, how we got started and the mission we are on

    • Research icon

      Research & Whitepapers

      Read the latest academic papers and research advocating for more Tontines

    • Newspaper icon

      Tontines in the News

      Read the latest news on Tontine Trust and the Tontine renaissance

    • Video player icon

      Videos & Interviews

      Sit back and watch what the world says about Tontines

    • ID Scan - Mobile
      NEW

      Download the Apps

      Download the Tontine App and manage your lifetime income from your mobile or tablet.

    • Blue rectangle outline with feather pen icon

      The Tontiner Blog

      Lifestyle tips for Tontiners that want to Live Long & Prosper®

  • Trust Funds

    • Blue magnifying glass & paper icon

      What is a Tontine Trust Fund?

      Build your personalised passive income strategy and start enjoying monthly payouts from any age.

    • Two blue gears transparent icon

      Visualise your Potential Payouts

      See why longevity pooling compares favourably to standard wealth management strategies

    • Data unavailable

      Gold Tontines

      Lifetime Income Trusts backed by physical Gold, the world’s reserve asset

    • Data unavailable

      Tontine BOLD

      A Lifetime Income Trust backed by Bitcoin and Gold

    • Bitcoin Tontine Icon

      Bitcoin Tontines

      Lifetime Incomes backed by the worlds favorite digital asset

    • Data unavailable

      Islamic Tontines

      Naturally shariah compliant lifetime incomes based upon ethical risk sharing principles.

    • Data unavailable
      Coming soon

      Silver Tontines

      Lifetime Income Trusts backed by physical Silver

    • Family icon
      Coming soon

      Trust Funds for Children

      Give your children an inheritance that will last a lifetime

    • Coin with downward icon

      Enjoy Zero Setup Costs & Low Fees

      Start growing your Tontine Trust Fund now with zero setup costs.

    • Languages - Blue
      NEW

      Local Payment methods in over 40 countries

      Fund your trust with low-cost local bank transfers through our global partner network

    • Tontinator icon
      NEW

      Flexible Distribution Profiles

      See how to adjust your payouts to balance what you need right now versus later

    • Credit card icon
      Coming soon

      Receive a Free Tontine Card

      Forget about a bank account, spend your income from your free Tontine Card

  • Pensions

    • Data unavailable
      Coming soon

      The TontineIRA®

      Transfer a standard IRA/401k to a lifetime income IRA with added longevity pooling

    • Data unavailable
      Coming soon

      Tontine Trust Pensions

      Switch to a pension that that offers a steady income that will last as long as you do

    • Rocket ship icon

      Solutions for Pension Providers

      Our Tontines-as-a-Service platform enables you to add longevity pooling returns to your standard pension products

    • Bank icon

      For Banks, Credit Unions & Trusts

      Offer a lifetime income banking product that supports clients for years

    • Two blue gears transparent icon
      Coming soon

      Associations

      Best in class pensions for your members

    • Blue government building
      Coming soon

      National Tontine Pensions

      Offer lifetime social security for citizens without relying on government guarantees

    • Data unavailable

      Islamic Pensions

      Award-winning naturally shariah compliant pensions for the muslim world.

  • FAQs

Go to App
Still from a 'Real Vision' interview with a Dean Mclelland as a guest

We are the world's 1st RetireTech

And we're on a mission to democratize lifetime income for the benefit and enjoyment of savers globally.

Earth sphere over the Tontine Trust logo

Savers love tontines so much that they backed the company

Tontine Trust is backed by over 200 individuals from countries across the world as well as a number of corporate investors.

If you ask them why the why they invested in the company, more or less they will give you the same answer:

Because Tontine Trust is the only company in the world creating the exact retirement income product that they, their families and their friends want to have when they reach retirement.

Yes they expect to make a large return on their investment but for many, this is secondary to the importance of providing true retirement income security that meets the needs of savers worldwide.

Two colleagues discussing finances

Transformation within the Retirement industry is inevitable & imminent

In 2024 we are seeing the largest ever number of Americans turning 65.

For many, this will be the first time they are looking at how their ‘pension’ works so only now are they realizing that that they have a major problem.

Having a chunk of capital saved is one thing but it is not the same as an income that you can trust to last the rest of your life no matter how long you live.

Existing Defined Contribution (“DC”) plans were created in the 1980s as a ‘temporary’ solution to the problems with “Defined Benefit” plans.

However these DC plans are simply tax privileged savings accounts that do nothing to address the lifetime income needs of the 150 million+ savers reaching retirement age across the OECD.

At a point in time when these savers should be getting ready to relax and enjoy the fruits of the labor, they will face the daunting prospect of figuring out how to make their money last the rest of their lives despite not knowing if they are going to live another 5 years or 35 years.

Organisation for Economic Co-operation and Development logo on a blue background

Policymakers have now mandated sweeping changes

The OECD (Organization for Economic Co-operation and Development) advises the governments of most of the advanced countries of the world on economic & social policies.

In a comprehensive review of the Future of Pensions in 2020, their pensions policy unit determined that tontines offer an ideal solution for reducing risk for savers as well as governments.

In February 2022 the OECD went further by issuing a binding Legal Instrument 0467 which essentially compels the US, UK, EU and other member states to mandatorily transform their DC pensions such as 401Ks and IRAs into lifetime income plans for at least part of the savers balance using either Tontines or Annuities.

For Islamic countries that follow the OECD guidelines, Annuities are haram so the exclusive adoption of naturally shariah compliant Tontines for their societal pension needs is largely inevitable.

Contact us to find out more

If you are an investment firm or an accredited investor that has experience investing in startup banks/insurers, fintechs or

insure-techs and you believe that you can bring added value to our mission then please get in touch.

Get in Touch
TontineTrust® white logo on a transparent background
  • LinkedIn icon
  • Facebook icon
  • X white logo with transparent background
  • YouTube icon
  • Instagram icon
  • White Telegram logo with transparent background
  • About Us
  • About Tontine Trust
  • The Team
  • Our Advisors & Ambassadors
  • Who we work with
  • Transparency Policy
  • Investor Relations
  • Supervisory Authority
  • Regulatory Status
  • Download the Apps
  • Awards
  • For Providers
  • For DC Providers
  • For Banks, Credit Unions & Trusts
  • For Employers
  • For Schools, Churches & Nonprofits
  • For Governments & States
  • Influencers & Affiliates
  • Resources
  • Tontines in the News
  • Videos & Interviews
  • Research & Whitepapers
  • The Tontiner Blog
  • Referral Reward Program
  • Download the Apps

Terms & Conditions

Privacy Policy

Legal & Regulatory

For Banks

For Regulators

References to ‘tontine’ on this site describe the longevity-risk sharing mechanism used to adjust trust distributions; distributions are made by the trustee in accordance with the trust terms.

Tontine Trust Europe KB (“Tontine Trustees” or the "Trustee") is a Swedish authorised trust management company. We provide fiduciary trust services, including the establishment and administration of irrevocable trusts and the management of trust assets, in accordance with applicable trust laws.

We establish irrevocable lifetime Tontine trusts for clients worldwide, except where restricted by local law.

Our fintech platform enables individuals to establish an individual Tontine Trust Fund efficiently and securely. The patented platform supports trust administration, asset selection, distribution modelling in accordance with predefined trust terms and applicable fiduciary duties.

Information provided on this website or through our platforms is general information only and does not constitute personal financial, investment, legal, or tax advice. You should seek independent professional advice before making decisions.

The selection of assets held within a Tontine Trust Fund is the responsibility of the member. Tontine Trustees is not responsible for outcomes resulting from a member’s asset preferences, except to the extent required by our fiduciary duties in administering the trust.

Trust assets are subject to market risk, and losses — including loss of principal — are possible.

Any illustrations or examples of lifetime distributions shown on this website or in related materials are indicative only.
Distributions from a Tontine Trust Fund are not fixed or guaranteed and may increase or decrease over time based on factors including asset performance, longevity assumptions, and the survival experience of members within the same tontine class.

Distribution estimates are generated using probabilistic and financial models that are regularly reviewed and adjusted to reflect changing conditions. Estimates are for illustrative purposes only and are not predictions or guarantees.

Redistribution on Death

When a Tontine Trust member dies, any leftover trust balance is redistributed among the surviving members of the same Tontine Class, in accordance with predefined trust rules governing survivorship-based allocation of beneficial interests. As a result, no trust balance remains for inheritance by spouses, children, other beneficiaries, or creditors.

Members who wish to provide separately for family members should consider establishing and funding separate trusts for those individuals.