Tontine Trust Fund

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Tontines
Trust Funds
Pensions
- Coming soon
  The TontineIRA®
  Transfer a standard IRA/401k to a lifetime income IRA with added longevity pooling
- Coming soon
  Tontine Trust Pensions
  Switch to a pension that that offers a steady income that will last as long as you do
- Solutions for Pension Providers
  Our Tontines-as-a-Service platform enables you to add longevity pooling returns to your standard pension products
- For Banks, Credit Unions & Trusts
  Offer a lifetime income banking product that supports clients for years
- Coming soon
  Associations
  Best in class pensions for your members
- Coming soon
  National Tontine Pensions
  Offer lifetime social security for citizens without relying on government guarantees
- Islamic Pensions
  Award-winning naturally shariah compliant pensions for the muslim world.
FAQs

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What is a Tontine Trust Fund?

A Tontine Trust Fund is like a private strategic reserve that provides you with a tontine-income for life from whenever you decide.

While on one hand it’s an irrevocable trust for life, on the other hand we have made it incredibly flexible and adaptable because we know your needs will change over time:

Contribute as much as you like, whenever you like, to build up the Trust capital.
Pick one or more Eligible Assets which you trust to help protect or grow the purchasing power of the Trust capital over the decades to come.
You can start, pause, or schedule monthly distributions any time.
Choose one of our Distribution Profiles to customise what level of Distributions you want and when.
Enjoy peace of mind thanks to our award-winning industry-leading transparencyProof of Reserves is a method used by financial institutions, particularly digital asset exchanges or custodians, to demonstrate that they hold sufficient assets to back customer deposits or funds entrusted to them. It involves publicly verifying the existence and control of these assets, typically through cryptographic techniques, third-party audits, or transparent reporting. over your Trust Property at all times.

Hexagon with a retired man looking at rising graph

How does it work?

Tontine Trust Funds are designed to pay you (or your nominated beneficiary) a monthly income for lifeThe patented Tontine system is designed to ensure that income continues even for members that are lucky enough to live to age 120+..

A tax-neutral irrevocable trustAn irrevocable trust is a standalone legal entity established under common law by a fiduciary for the benefit of one or more beneficiaries. Irrevocable trusts are often formed in jurisdictions where they are sheltered from taxation and in which the assets of the trust are protected from creditors. in a Tier 1 trust jurisdiction,
15 minutes or less to create with zero setup costs,
Backed by trusteeA trustee is a person or organization that establishes a trust for one or more beneficiaries and whom is obligated by their fiduciary duty to act in the best interest of those beneficiaries when managing the affairs of the trust approved assets to secure your wealth,
Full transparency over your trust reservesProof of Reserves is a method used by financial institutions, particularly digital asset exchanges or custodians, to demonstrate that they hold sufficient assets to back customer deposits or funds entrusted to them. It involves publicly verifying the existence and control of these assets, typically through cryptographic techniques, third-party audits, or transparent reporting. at all times.

Easy to setup

Your Trust Fund can often be established and funded within 15 minutes

Design your Plan

Estimate your potential contributions, choose a reserve asset, choose an income level and when you want the income to start being distributed.

Fund your Trust

Once you pass our onboarding process, you can start contributing through a local currency account in your name at one of our partner banks.

Relax & Start Living

People with lifetime incomes are happier and live up to 20% longer than those living in fear of running out of money according to research

Watch and learn how Tontines are different from other lifetime income plans.

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How can Tontines support lifetime income?

With a regular account or trust, if you spend to much for too long, inevitably the capital will run out.

On the other hand, if you spend your capital too conservatively, you could be dead before getting to enjoy the money you worked so hard to earn.

Knowing how much we can spend without running out is impossible unless we know in advance the exact date when we will meet our maker.

This is why for centuries, societies around the world have practiced longevity risk sharing, or leftover living, as they say in Japan.

The terms of a Tontine Trust are that: "When a member passes away, they no longer need the distributions". Those leftover distributions are now shared with the trusts of the surviving members of the Tontine Class.

As a result, members can likely expect transfers from the leftover balances that now support their lifetime income distributions.

So in reality, when a member passes away, they simply pass on their baton to someone that would have done the exact same for them.

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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.