What is a TontineIRA™?

Find out all you need to know about America's most consumer friendly lifetime income plan.


What is a TontineIRA?

A TontineIRA™ is a new type of individual retirement account that combines the benefits of a tontine with a traditional IRA.

TontineIRA™ account holders receive a steady income each month for as long as they are alive and they can expect that income to rise over time thanks to the tontine effect.


Where does the cashflow come from to pay an income for life?

Each TontineIRA™ is part of a community of same-sex same-age members that support each other in their retirements.

In practice, this means that members receive a steady monthly income from their TontineIRA™ while alive but that any remaining balances when they pass are shared among the other members of their tontine community to support their continuing spending in old age.


How long does the TontineIRA™ income last for?

Since 2017 we have been developing, testing and patenting a technology platform which ensures that the income always continues for as long as the members are alive, even if hundreds of members of a tontine community live beyond 100 years old.


Why would someone choose a TontineIRA™ over a basic IRA?

With a traditional IRA, you have to keep monitoring your balance, your portfolio and your life expectancy to avoid your savings running out.

A TontineIRA™ handles all of that automatically so that you only have to focus on how to spend the money.


Why not just invest my IRA in assets generating passive income?

The safe level of spending from a TontineIRA™ will always be higher than an equivalent passive income IRA.

This is because in addition to the passive income from the investments, you will also receive a portion of the income no longer being paid to the members of your tontine that have already passed away.


What can a TontineIRA™ invest in?

A TontineIRA™ can invest in the same assets as a traditional IRA as long as those assets are generally suitable for retirement plans.

For now, each TontineIRA™ will invest in FDIC insured bank certificates of deposit ('CDs'). Additional investment options will be made available soon subject to standard suitability tests for retirement savers.


Who will be in my TontineIRA™ community?

Soon after joining, we will assign you to a community consisting of members of the same sex that are more or less the same age as you.

We don't mix the sexes because women live longer than men. We don't mix age groups because nobody wants to be in a tontine with people much younger than themselves.


What is the minimum & maximum contribution to a TontineIRA™?

The TontineIRA™ has the same annual contribution limits as a traditional IRA which for 2024 are:

  • For savers under the age of 50: Up to $7,000
  • For savers aged 50 or older: Up to $8,000.

Where the saver has already accumulated savings in an IRA, 401(k) or a 403(b), there is no limit to the amount that can be transferred from those to the TontineIRA™.


Will the income from the TontineIRA™ be fixed for life?

Generally 'living on a fixed income' is not a good thing in a world such as ours where inflation exists.

This is why our patented system is designed to give you a predictable income that grows over the years to offset some of the effects of inflation.

The predicted amounts will adjust gradually over time based upon changes to expected investment returns and life expectancies.

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Save your spot for a test drive to see if a TontineIRA™ is right for you.


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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™.