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  • Tontines

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      Introduction to Tontines

      Start here if you are new to Tontines & longevity pooling

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      About Tontine Trust

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

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      Research & Whitepapers

      Read the latest academic papers and research advocating for more Tontines

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      Tontines in the News

      Read the latest news on Tontine Trust and the Tontine renaissance

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      Videos & Interviews

      Sit back and watch what the world says about Tontines

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      NEW

      Download the Apps

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

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      The Tontiner Blog

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

  • Trust Funds

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      What is a Tontine Trust Fund?

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

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      Visualise your Potential Payouts

      See why longevity pooling compares favourably to standard wealth management strategies

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      Gold Tontines

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

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      Tontine BOLD

      A Lifetime Income Trust backed by Bitcoin and Gold

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      Bitcoin Tontines

      Lifetime Incomes backed by the worlds favorite digital asset

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      Islamic Tontines

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

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      Coming soon

      Silver Tontines

      Lifetime Income Trusts backed by physical Silver

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      Trust Funds for Children

      Give your children an inheritance that will last a lifetime

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      Enjoy Zero Setup Costs & Low Fees

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

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      NEW

      Local Payment methods in over 40 countries

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

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      NEW

      Flexible Distribution Profiles

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

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      Coming soon

      Receive a Free Tontine Card

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

  • Pensions

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      The TontineIRA®

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

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      Tontine Trust Pensions

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

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      Solutions for Pension Providers

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

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      For Banks, Credit Unions & Trusts

      Offer a lifetime income banking product that supports clients for years

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      Coming soon

      Associations

      Best in class pensions for your members

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      Coming soon

      National Tontine Pensions

      Offer lifetime social security for citizens without relying on government guarantees

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      Islamic Pensions

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

  • FAQs

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Tontine News

All the news about Tontine Trust & the coming lifetime income revolution

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Why We Choose Simple, Transparently Priced Assets for Your Lifetime Income Tontine Trusts

And why we avoid assets such as Private Credit that may rely on opaque assumptions or inaccessible markets.

Feb 3, 2026

03:40 min read

FEATURED
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Gold Has A New Life: It’s Now A Yield-Generating Asset

New ways to generate yield on gold are destroying the ‘dead asset’ narrative.

Apr 29, 2026

02:30 min read

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Pensions in the Digital Era: A ₿OLD Strategy to Revolutionize Benefits for Global Companies

Remote companies can now offer an exceptional new incentive: Lifetime Incomes backed by Bitcoin & Gold

Dec 23, 2025

04:10 min read

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Instant Low‑Fee Tontine Trust Funds: A Smart Inheritance Solution

Globally mobile parents can now protect their loved ones with a stable monthly income that will last the rest of their lives

Dec 22, 2025

05:50 min read

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Tontine Trusts: Introducing the Optimal Design for a Modern Tontine

Understand best practice in modern tontine design and why fiduciaries make the best administrators

Dec 19, 2025

05:00 min read

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Democratizing access to lifetime income investment strategies including longevity risk-sharing pools

It is now the policy of the United States that every American preparing for retirement should have access to Tontines.

Aug 7, 2025

04:00 min read

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And the Pensions Oscar goes to: Tontines

A paper on Tontines has won the International Actuarial Association's Chris Daykin Prize, the Oscar for Pensions.

May 21, 2025

02:00 min read

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Tontine Takes the Shariah Award

Tontine Trust wins its second award for bringing Shariah-Compliant Lifelong Income to Aging Muslims.

Apr 14, 2025

03:00 min read

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OECD: Tontines are better & are coming soon

Hear why the OECD has passed Legal Instrument 0467 compelling the US & 40 other countries to adopt tontines.

Mar 12, 2025

02:00 min read

Tontine Trust is chosen to receive Best Islamic Digital Solution Provider award

Best Digital Islamic Solutions Provider:🏆Tontine Trust

Tontine Trust awarded Best Digital Islamic Solutions Provider at the Global Islamic FinTech Forum 2024 in U.A.E.

Dec 16, 2024

01:00 min read

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Swissair - The Accidental Tontine

The curious case of how the Swissair pension fund became a very successful Tontine

Aug 9, 2024

01:30 min read

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Opinion: DoL must regulate IRA accounts

Kerry Pechter, author of Annuities for Dummies & editor of the RIJ explains why new rules on annuities are needed

Jan 3, 2024

02:00 min read

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What Is a Tontine? Should You Invest In One?

Ruth Saldanha asks: Is a Tontine the Best Way to Get Income in Retirement?

Oct 7, 2022

03:00 min read

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Tontine Trust joins UK Pension Transfers Initiative

In preparation for the future launch of Tontines in the UK & Europe, we have signed up for the FCA endorsed scheme

Mar 21, 2022

01:52 min read

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The OECD recommends mandatory lifetime income tontines

New OECD Legal Instrument 0467 mandates that pensions should include lifetime income in the pay-out phase.

Feb 28, 2022

02:59 min read

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How Tontines could bring Innovative Mutualism to Brazil

José Ribeiro Pena Neto, former CEO of Abrapp, discusses how Tontines could improve the Brazilian pension system

Feb 4, 2022

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 & that tontines have an important role to play

Aug 18, 2021

02:00 min read

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Canada joins the global shift to tontine pensions

Following on the heels of the OECD recommending that tontine pensions become mandatory, Canada is backing tontines

Apr 29, 2021

08:00 min read

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Tontines offer a solution to Pakistan's pension reform

Pension manager Nadeem Jeddy argues in the Dawn newspaper for reforming Pakistan's public pensions using tontines

Jan 19, 2021

02:00 min read

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Barrons: Tontine Pensions to Lessen Longevity Risk

In the U.S., tontines could be offered as 401(k)s or IRAs, or a group of private investors could set one up.

Nov 28, 2020

01:00 min read

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Tontines to rebuild the economy after a pensions crisis

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

Apr 28, 2020

07:00 min read

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Fin-tech's Answer To The Global Retirement Crisis

Fintech Tontine Trust sees an opportunity where millions deserve better solutions.

Jan 30, 2018

03:00 min read

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  • About Us
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  • Videos & Interviews
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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.