Safely spend 7.26% per year and rising without ever running out

See how much lifetime income you can spend in retirement from a TontineIRA™ (live rates for a 65YO Male)

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The problem we solve

Retirement can be stressful if you don't have a secure pension.

This is because a standard 401(k)/IRA can run out of money if you live 'too long'. Hello

The reality of modern retirement is that:

  • none of us know when we will meet our maker, and
  • none of us want to spend our whole retirement worrying about spending our savings.

A 'tontine' is a 400 year old pension that ensures an income for life which is expected to rise over time to offset inflation.


What is a Tontine?

A tontine is a simple lifetime income plan managed by fiduciaries where a saver can contribute money into a trust in return for a monthly income that lasts for life.

Invented in the 17th century as a replacement for annuities, tontines have historically proven up to 5 times more popular than the 2,000 year old annuity.


What's in it for me? How much income can I expect?

Our modern Tontines are designed to be so simple to understand that a regular saver can explain it just as well as their financial advisor.

When you join a Tontine, the income paid by the trustees is recalculated every month based upon interest rates, currently 5.32%, plus a portion of the capital roughly equal to the chance of someone dying at that age.

This combined %, which increases over time as each members risk of dying increases, is known as the safe withdrawal rate.

Every month the trustees recalculate your safe monthly withdrawal rates multiplied by your expected account balance to display the dollar amounts that you can expect to be paid each month for the rest of your life.


Secure a lifetime income that lasts as long as you do

So a TontineIRA™ is designed to provide a a steady monthly income for life but how can we be so sure that the income will never run out like in a regular IRA or 401k?

Well this is the natural simplicity of a Tontine Trust®.

Year by year, a predictable and rising percentage of the members of your tontine community will inevitably meet their maker leaving you to inherit a proportional share of the income that they no longer need.

As a result, the balance of your TontineIRA™ remains fairly steady over time even though you are drawing a generous income every month.


What does my TontineIRA™ invest in?

With all of the uncertainty around the world right now, we believe that it is best to launch our TontineIRA™ using low risk investments that guarantee the capital and which provide a reasonable rate of return.

For this reason, the only investment option available in the very first version of the TontineIRA™ will be FDIC insured CDs which are currently yielding ~5.32%.

In the not too distant future, a broader range of investment options will be made available for members to choose from.


Tontines are a useful way to hedge against inflation

Inflation destroys the spending power of retirees that are on a fixed income. This ruins their ability to enjoy their retirement because they know that they will have less and less to spend as the years roll by.

This is where the Tontine effect comes in and perhaps explains why Tontines are historically five times more popular with consumers than fixed annuities.

In a Tontine, as the decades pass by, a greater percentage of the members of your assigned Tontine community will start passing away causing you to to inherit larger amounts every year as a kind of tribute from your fellow members for you having outlived them.

And because your payout rate is rising (see above) as well as your balance, you can expect your monthly income to start rising, particularly in later years.

Doesn't that sound like a better retirement to look forward to?


Give your children an inheritance now instead of a headache later

If a parent lives into their 90s then most likely the children will be in their 70s when they receive any inheritance. Worse still is that if the parent runs out of money though then under US filial responsibility laws their children may be liable to pay the parents care bills.

With a regular 401(k) or IRA plan, passing on some of your savings to the kids while they are still young increases the risk of the plan running out of money in old age.

Lifetime incomes though, whether from a TontineIRA or an annuity, reduce these risks by ensuring that there will always be some level of income to support your living costs no matter what age you live to.

As an added bonus, once you secure a suitable level of lifetime income, you may now be able to afford to help the kids buy a house or start a business while they are still young.


Flexibility & Control

While we encourage everyone to save as much as possible for retirement, sometimes life just gets in the way.

This is why we have designed the TontineIRA™ to be as flexible as possible meaning that you can invest as much or as little as you want at any time.

Want to change 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 sold by commission agents on a buyer-beware basis.

Such practices in respect of retirement savers are rightly coming under increasing scrutiny from the US Department of Labour.


Our unbeaten 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 don't work with commission based agents which have become accustomed to receiving 3-8% of their client's retirement savings as a sales commission.

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


Secured by a 'password' you'll never lose

In an era where everyone is increasingly worried about 'elder fraud', online security is becoming increasingly complex even for technically sophisticated users.

This is why we have developed a patented system which replaces hard-to-remember passwords with advanced facial recognition technology.

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

What the world says about us


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.


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.


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.


Jason Sen

Derivatives Trader / Startup Founder

Intelligent AI Solutions


At 55, my biggest concern is the potential burden on my kids if I'm unable to work and an unexpected illness strikes. The Tontine-based pension product deals with this issue with a steady stream of funds for life to ensure the bills are always getting paid.


Gary S. Mettler

Financial Advisor & Author

The Annuity Maestro


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


Jason Maggard

This is brilliant. I'm 50 and was in retirement planning a number of years back. All retirees 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!

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

© 2024 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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