We deliver a proven
universal cure for the
Pensions Pandemic to
people, organisations
& soon countries






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ABOUT OUR LIFETIME INCOME PENSIONS

Tontines are proven low-cost universal schemes for delivering sustainable lifetime incomes which can rise faster than inflation.

A Tontine is like a mutual society
where profits go to the pensioners
rather than to shareholders
of an insurance company

A Tontine is a 367 year old European lifetime income product. Upon being launched in the US to compete with annuities, they were so much more popular with consumers that they grew the voluntary pension savings rate such that within a single generation over 50% of all households saved into a Tontine Pension.

This blockbuster product grew the US insurance industry by 600% but led to fraudulent behaviour by the insurers until in 1906 when new regulations banned them from making excessive profits at the expense of tontine pensioners. Eventually, Defined Benefit pensions came along to fill the gap which annuities still could not.

Fast forward to 2020 where the demise of Defined Benefit pensions has created a problem for the 2 billion people aged over 50 which now face the highly justified fears in retirement that:

#1: They will live so long that they will run out of money, &

#2: That if long term care is needed, they will eventually be unable to continue paying for it.

So instead of spending their golden years worrying about how quickly or slowly they should spend their savings, 84% of retirees would rather exchange their retirement capital for a lifetime income stream but the same old annuity solution (to the extent even offered in a low interest rate environment) remains the most hated financial product in the world for both cost & behavioral science reasons."the which offer longevity protection however existing products.

This year, TontineTrust will launch the globally patent pending MyTontine platform, enabling any user with a mobile phone to sign up within minutes for a safe low-fee mutual fund product which they can trust to pay them a monthly income even if they live up until the age of 120.

Research shows that when you remove the fear/risk of running out of money, your lifestyle, health & even your I.Q. can improve so we look forward to seeing how our platform will affect the lives of individuals as well as of whole societies.

Iphone and Debit Card

Research by 100 insurers shows why only Tontine Pensions can provide the "Perfect" solution:

According to the Asia Retirement Income Report (2017) : "the ‘perfect’…product is likely to have…":

Lifetime Income

Consumer Want #1:
A Lifelong Income

Our Tontines will offer monthly payouts from retirement age up until age 120+ if needed.


Each tontine is a closed pool of up to 10,000 same-age, same-gender members which invest whatever they can afford. Their payouts are proportional to the amount invested.


Capital is Safe

Consumer Want #2:
The Income Increases

In a Tontine, when a member dies, their expected payouts are shared with the other members of the pool which results in the payouts for surviving members rising over time.


By design, payouts should rise faster than inflation & should rise substantially in later years as the remaining capital must all be paid out to the surviving members.

TontineTrust Logo
Income Increases

Consumer Want #3:
The Capital Is Safe

The capital of the tontines is held in trust for the members & invested by globally trusted asset managers in highly conservative portfolios strategies of the kind deemed suitable for widows & orphans.


This means that the capital is safer than if it is paid to a large insurer which by their nature carry very high liabilities.

Lifetime Income

Consumer Want #4:
The Fees Are Very Low

Unlike Annuities that charge up to 30% up front & 3-5% per year in management fees, our Tontine Pensions will charge a flat 1% per year.


By reducing the fees so drastically, our Tontines offer higher monthly payouts than annuities even before mortality credits start to boost the monthly income of surviving members.


ONE PLATFORM - A WORLD OF USE CASES

Our platform model is to align with partners across the globe to help many consumer segments

Mass Affluent Baby Boomers
Facing Uncertain Longevity

Lifetime Income

Worrying about every penny you spend each day affects your happiness, decision-making & often leads to poor health choices.

Having a tontine style lifelong income stream means that you can be more productive & are now financially rewarded when you take better care of your health.

Micro Pensions &
the Unbanked

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In markets with no established savings or pension systems we will offer a secure leapfrog solution enabling a trusted nationwide savings system to be accessed even in rural settings.

Savers need only know someone with a smartphone in order to be able to register a savings or pension account.

Millenials &
Gig Economy Workers

Gig Workers

Millenials are sceptical of the benefits of pensions overall & are generally more interested in flexible & transparent financial solutions.

Our DIY pensions incentivise saving by showing the substantial gamified rewards for saving into a Tontine & transparently show the assets & calculations underlying all projected future payouts.

Shariah Compliant Islamic Finance Products

Islamic Economy

Other lifetime income products such as annuities offer guaranteed payments by one party which are contrary to the risk sharing principles of Shariah Finance.

Tontine Pensions are shariah compliant by nature based upon the risk sharing principle as long as the underlying investments of the tontine are selected to be shariah compliant also.

TONTINE PAYOUTS LOOK ALMOST TOO GOOD TO BE TRUE

“(A tontine’s) mortality credits enables investors to earn a type of guaranteed alpha not available in any other asset class.”
- Wall Street Journal Marketwatch Column

TontineTrust Crossed Keys Icon

Tontine Pension

Your future expected payouts are updated in real-time based upon mortality rates & investment returns

Growth Chart

Indexed Annuity

Offers a fixed monthly payout which
escalates by 3% per year

Shopping Basket

Fixed Annuity

Offers a fixed monthly payout which loses purchasing power due to inflation

Sack of Money

Account Drawdown

The cash is held in a deposit account & drawn down over 20 years

Expected Monthly Payout comparison for
a 65 year old UK man investing £1m

Graph of Expected Returns

NOTABLE ENDORSEMENTS

Tontine Trust & Tontines continue to receive endorsements from Financial Scholars,
Financial Institutions & the Financial Media

OUR TEAM

DEAN MCCLELLAND

Founder/CEO, CXO,
Robo-Actuary Designer

Brian Bossler

RICHARD K. FULLMER CFA

Chief Investment Officer, Pension Architect & Tontines Expert

RICHARD KENT

Head of Fund Structuring & Governance

DR. MICHAEL J NEISH PhD

Quant / Programmer responsible for Robo-Actuary Optimisation

NORBERT GEHRKE

Former AIG Japan Strategist, ex Goldman Sachs MD, Fintech & Asia Region Advisor

MAX HARAN DOYLE

Digital Strategy &
Project Manager

MAREE LAMBRECHTS

Actuary, Developer,
Problem Solver

OUR ADVISORS

JON MATONIS

Ex-Sumitomo, VISA, Verisign & CEO of Hushmail, Founder of the Bitcoin Foundation

MICHAEL EDELSON

Long term Director of Man United F.C., Angel Investor, VC, Businessman & Philanthropist

JUMAATUN AZMI

Founder of the World Halal Forum, CEO of Kasehdia

JUANITA WOODWARD

FinTech & Financial Inclusion Advisor, Women’s Empowerment Advocacy

JÖRG PLATZER

Economist, Director of German National DLT Assoc., Tontines Expert

NICHOLYN CHANG

Former Senior Consultant at Booz Allen Washington & Director at CIMB Bank

HOWARD PANG

Former AIG Agency Strategist, Insurtech Founder

MEDIA COVERAGE

We have already been featured in major financial publications & TV channels including:

Retirement Income Journal
Bloomberg
Forbes
FT
Coinjinja
Huffington Post
Seeking Alpha
Interactive Investor

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What is a Tontine?

A "Tontine" is the name of a 400 year old pension product used by European governments to raise capital. Typically, individuals pay into a common pool of money; they receive dividends based on either a pre-agreed rate or their share of returns from investments made with the pooled money.

As members of the tontine group died, they were not replaced with new investors so that the dividends were divided among fewer and fewer members. Given that Death & Taxes are the only certainty in life Tontines became wildly popular as long term inflation-proof investments due to the certainty that dividend payouts would rise in the future as other members of the pool died off.


Given that Tontines have a proven record on multiple continents of successfully raising pension participation rates, and that they provide a simple solution for retirees that never want to worry about inflation or running out of money in old age, academics worldwide have advocated for modern tontine pensions to be launched.


TontineTrust is an award-winning fintech that is pioneering the next generation of Tontine Pensions which enable you to Live Long & Prosper®.

Are Tontines Legal?

Tontine Pensions are 100% legal in most of the world. In Europe they are enabled by the new Pan-European Pensions directive in addition to the life insurance directive. Tontines are also consistently upheld as being legal in the US as explained in detail by Kent McKeever of Columbia Law School in his paper: A Short History of Tontines .

The only reason this question gets asked is because the 1905 Armstrong Investigation of the largest Insurers in the US concluded that they were mis-selling many tontines and the regulators banned the Insurance companies from selling any tontines which contained clauses designed to increase profitability at the expense of consumers life savings.

Are Tontines Illegal?

Tontine Pensions are 100% legal in most of the world. In Europe they are enabled by the new Pan-European Pensions directive in addition to the life insurance directive. Tontines are also consistently upheld as being legal in the US as explained in detail by Kent McKeever of Columbia Law School in his paper: A Short History of Tontines .

The only reason this question gets asked is because the 1905 Armstrong Investigation of the largest Insurers in the US concluded that they were mis-selling many tontines and the regulators banned the Insurance companies from selling any tontines which contained clauses designed to increase profitability at the expense of consumers life savings.