Upgrade your retirement in 5 minutes or less

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

Already signed up?


What is a Tontine?

A Tontine is a historically popular fiduciary arrangement where retirees contribute money into a trust for the purpose of sharing the financial burden of living a very long life in retirement with other savers of the same sex and age.

It works something like a 'mutual' version of an annuity where the the clients are also the shareholders.

This is because when members of your Tontine group pass away earlier than expected, all of their remaining monthly incomes are shared with you and the other surviving members of that Tontine group.

These income redistributions continue until, for example, the second last member passes away at which point all of the remaining monies are paid to the sole surviving member whom is considered the 'winner' of the tontine.


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

Our modern Tontines are designed to be so transparent, fair and simple to understand that a regular saver can explain it to their advisor rather than vice versa.

When you join a Tontine, the income rate paid by the trustees is calculated every month based upon the investment return your money is earning plus a portion of the capital roughly equal to the percentage probability of someone dying at your age, for example, ~1% at age 65.

This formula is multiplied by the balance of your account to give the trustees the dollar amount which our patented system has determined can be paid out as income which can be sustained over the long term even if you live to the ripe old age of 120.

Note that because the percentage probability of dying is rising every year as you get older, you should expect your income to rise every year as well.


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 group 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.


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 that you are grouped with 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?


Safety first: Your savings are secured in FDIC insured CDs

Bank trustees & fiduciaries are typically highly conservative people by nature.

This is why they are increasingly wary of investing retirement monies into annuities which turn out to be backed by assets in the Bermuda triangle and why they are increasingly cautious about target date funds which as the AARP pointed out can occasionally get 'clobbered' by 20%.

For these reasons, in the current market environment, the TontineIRA™ trustees prefer to take the safer path by investing in CDs from multiple FDIC insured banks.

As a result, the assets in your account are guaranteed by the full faith and credit of the US federal government up to $10m per TontineIRA™ while still currently earning a generous ~5.4% interest per year.


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 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 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


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.


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.


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!

Coming soon image

Access to the platform is currently by invitation only. To secure your invitation, please submit your details here:


Tontine Trust is a financial technology company, not a bank or chartered trust.
  • About Us
  • About Tontine Trust
  • The Team
  • Our Advisors & Ambassadors
  • Who we work with
  • Transparency Policy
  • Investor Relations

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™.



Save my spot now

Join the Waitlist!



Save my spot now

Join the Waitlist!