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Free yourself from the fear of running out of money

Rollover your old IRA / 401(k) to a Lifetime Income TontineIRA™ & get ready to Live Long & Prosper®

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A lifetime income to age 120

As a member you receive a steady monthly income for life from your TontineIRA™ account starting whenever you decide.

Unlike an ordinary IRA where your account will eventually run out of money, your TontineIRA™ regularly receives a share of the balance transfers when other members of your tontine pool pass away and no longer need their income.

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Income rises over time to offset inflation

As the years go by, you can expect the balance transfers to your TontineIRA™ to increase as your fellow members pass away in greater numbers as they grow older.

For this reason you can expect the monthly income from your TontineIRA™ to start rising as a reward for you having outlived your fellow members.


Safety first: Your savings are held in FDIC insured deposits

1 year CDs are now paying 5.2% which is risk free when your deposits are spread across enough FDIC insured banks.

Whilst Target Date Funds can earn higher returns, they occasionally get 'clobbered' by 20% which brings into question their suitability for savers who are near, or already in, retirement.

This is why the trustees of your TontineIRA™ prefer to take the safer path by holding your assets on deposit at multiple FDIC insured multiple banks where your savings are guaranteed by the full faith and credit of the federal government up to $10m per TontineIRA™.


Give your children an inheritance while they are still young

If you live into your 90s and are fortunate to have any money left over when you pass away then your kids could already be in their 70s when they receive an inheritance.

However by securing a lifetime income you make it safer to pass on any spare savings now to help them buy a house or start a business while they are still young.


Flexibility & Control

You can adjust your plan as often as you like with a few clicks.

Want to increase, decrease or stop your contributions for a while? No problem, just enter the new amount in the app or press the Pause button.

Want to delay or bring forward when your monthly income starts? Just set the new date in the app and press Save. It's that simple.


Managed by Fiduciaries acting in your best interest

Your TontineIRA™ is managed by trustees acting in a fiduciary capacity which means that they are legally and ethically bound to act in your best interest.

This contrasts with other lifetime income solutions such as pure insurance products and securities which are typically offered by non-fiduciaries which are coming under increasing scrutiny from the US Department of Labour.


Our unrivaled low fees preserve more income for you

We want to profit with our members not from them which is why we charge a flat low annual fee of 1% which includes all filing fees & charges.

This is also why we refuse to work with commission based financial advisors/brokers that are used to receiving 3-8% commissions on lifetime income products.

We are of course delighted to work with fee only advisors and fiduciaries.


Secured by a 'password' you'll never lose

Instead of using hard to remember passwords, we protect your lifetime income against fraud using advanced facial recognition technology.

Whenever you need to take a sensitive action on your account such as approving a payout or changing your bank details, you just login to the app using your face so that we can be sure that it is you controlling your account.

What the world says about us

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Raoul Pal

Founder & CEO

Real Vision TV


I love the idea of Tontines. They solve so many problems for retirees. These guys are bringing them back, super interesting.


Olivia S. Mitchell

Pensions Research Council @ Wharton



A tontine is an investment pool managed in an actuarially fair way, according to a plan for distributing fully-funded payouts to investors. There are two key differences between a tontine and an ordinary investment. First, tontine investments are generally irrevocable. Second, account balances are not transferred to a member’s beneficiaries upon death. Instead, remaining assets are equitably apportioned among the pool’s surviving participants. Accordingly, monies forfeited by those who die increase the returns to those who survive.

These extra returns are referred to as “mortality credits.” In this way, tontines allow members to collect lifetime income by collectively self-pooling longevity risk among themselves. This obviates the need for (and cost of) an insurer as guarantor. Tontines are not insurance, though they can deliver lifetime income similar to payout annuities and pensions. Tontines simply cut out the middleman.


Gary S. Mettler

Financial Advisor & Author

The Annuity Maestro


First rate! I'm so excited about your effort I can barely stand it!

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Jonathan Chevreau

Financial Journalist



Tontines are easier to administer, cleaner and less capital-intensive and can be expected to generate rising payment streams over time, at least for those who live long enough to benefit from the superior mortality credits they provide. In a classical tontine, payments are initially quite low – at best comparable to the risk-free rate on bonds... But as retirees die, tontines become more attractive for those who survive. The last few survivors may receive 10 times more than they put into the scheme.


Jason Maggard

This is brilliant. Im 50 and was in retirement planning a number of years back. All retires with any amount of money FEAR outliving their money. So they rarely enjoy spending in retirement without guilt. So they scrimp and die someday with 10%-80% of their money left over. How great to know each year you last in retirement your standard of living goes up! Spend Enjoy More Is Coming Next Month. Brilliant!


Noah Balulis


I have to agree that most people do worry and think about their retirement in fear. It would be lovely to see this change. The world could surely become a happier, more exciting place.

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Tontine Trust is a financial technology company, not a bank or chartered trust.

Website TermsPrivacy Policy

© 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™.



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