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</form>Text Content
* Benefits for Savers
* A Lifetime Income to age 120+
A steady income paid every month from your Tontine IRA™ which auto-refills
over time
* An Income that Rises over time
Expect a rising income to offset the effects of inflation due to the
'Tontine' effect
* FDIC Insured Assets up to $10m
Each Tontine IRA™ invests in a basket of CDs to obtain total FDIC insurance
of up to $10m
* Low Fees & No Commissions
Our unbeatable low fees preserve more income for retirees
* Take Care of Your Kids Sooner
Having a lifetime income makes it safer to pass on wealth to your kids when
they need it most
* Flexibility & Control
Pause or increase contributions, bring forward or defer your income with a
click.
* Secured by your smile
We use advanced facial recognition technology to guard accounts against
fraud
* Coming soon
Rewards Club
Give $250 & get $250 when referred friends deposit $100,000+ into their
TontineIRA™️
* Coming soon
Your Free Tontine Card
Earn discounts & rewards from preferred partners when paying with your
Tontine card
* Coming soon
Joint Tontines
Secure a lifetime income for your spouse
* Coming soon
Design Your Own Portfolio
Choose from a range of approved model portfolios from the best asset
managers
* Coming soon
Tontine Roth IRAs
Design a tax free lifetime income
* Coming soon
International Tontines
Join a Tontine from anywhere in the world & let your retirement income grow
tax free
* FAQs
* For Providers
* DC Providers
Further incentivise your employees with a plan that will take care of them
for life.
* Banks, Credit Unions & Trusts
Offer a lifetime income banking product that retains & supports your
clients for decades
* Employers
Give your staff the missing lifetime income component & put their
retirement worries to rest
* Schools, Churches & Nonprofits
Enable best in class, lifetime income pensions for your employees
* Coming soon
Governments & States
Provide 100% sustainable lifetime pensions without issuing guarantees or
subsidies
* Coming soon
Influencers & Affiliates
Partner with us to help secure better retirements for members of your
community
* About Us
* About Tontine Trust
Find out more about who we are, how we got started and the mission we are
on
* The Team
Meet the history making team, changing the future of retirement
* Our Advisors & Ambassadors
Meet the advisors guiding our mission to bring back fairness to the
retirement world
* Who we work with
See our best in class banks, trusts, law firms and tax advisory partners.
* Transparency Policy
Read more about our award winning commitment to radical transparency
* Investor Relations
Join us as we democratize the lifetime income market globally
* Learn
* Tontines in the News
See the latest news on tontines & retirement
* Videos & Interviews
Rewatch our TV appearances, seminars & townhalls
* Research & Whitepapers
Read the latest academic papers and research supporting Tontine pension
plans
* Blog
Read the latest news & opinions from Tontine Trust
* Contact
* Benefits for Savers
A Lifetime Income to age 120+
An Income that Rises over time
FDIC Insured Assets up to $10m
Low Fees & No Commissions
Take Care of Your Kids Sooner
Flexibility & Control
Secured by your smile
Rewards Club
Coming soon
Your Free Tontine Card
Coming soon
Joint Tontines
Coming soon
Design Your Own Portfolio
Coming soon
Tontine Roth IRAs
Coming soon
International Tontines
Coming soon
* FAQs
* For Providers
DC Providers
Banks, Credit Unions & Trusts
Employers
Schools, Churches & Nonprofits
Governments & States
Coming soon
Influencers & Affiliates
Coming soon
* About Us
About Tontine Trust
The Team
Our Advisors & Ambassadors
Who we work with
Transparency Policy
Investor Relations
* Learn
Tontines in the News
Videos & Interviews
Research & Whitepapers
Blog
* Contact
WITH A TONTINE, YOUR HEALTH IS YOUR WEALTH
Tontiners benefit financially just by staying healthy and living longer than
average
Join the Waitlist
Already signed up?
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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®
Save my Spot!
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TONTINES ARE LIKE ANNUITIES THAT PAY ALL OF THE PROFITS TO THE MEMBERS
See how much more income you can look forward to ⬇️
Take a Test Drive
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GET THE RIGHT TYPE OF INFLATION
See how high your tontine lifetime income can soar, elevating your retirement
lifestyle
Take a Test Flight
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Check status
WITH A TONTINE, YOUR HEALTH IS YOUR WEALTH
Tontiners benefit financially just by staying healthy and living longer than
average
Join the Waitlist
Already signed up?
Check status
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®
Save my Spot!
Already signed up?
Check status
TONTINES ARE LIKE ANNUITIES THAT PAY ALL OF THE PROFITS TO THE MEMBERS
See how much more income you can look forward to ⬇️
Take a Test Drive
Already signed up?
Check status
GET THE RIGHT TYPE OF INFLATION
See how high your tontine lifetime income can soar, elevating your retirement
lifestyle
Take a Test Flight
Already signed up?
Check status
WITH A TONTINE, YOUR HEALTH IS YOUR WEALTH
Tontiners benefit financially just by staying healthy and living longer than
average
Join the Waitlist
Already signed up?
Check status
* 1
* 2
* 3
* 4
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 a community of other savers of the
same sex and age.
You can think of it like a 'mutual' version of an annuity where the annuitants
are also the shareholders.
This is because when members of your allocated Tontine community pass away
earlier than expected, all of their remaining monthly incomes are shared with
you and the other surviving members of that Tontine community.
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
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.
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?
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 ~5.32% 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
NOAH BALULIS
Youtuber
youtube.com
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
MoneySense
moneysense.ca
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
realvision.com
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
Forbes
forbes.com
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
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
garysmettler.com
First rate! I'm so excited about your effort I can barely stand it!
JASON MAGGARD
Youtuber
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!
Access to the platform is currently by invitation only. To secure your
invitation, please submit your details here:
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SAVE MY SPOT
Tontine Trust is a financial technology company, not a bank or chartered trust.
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* About Tontine Trust
* The Team
* Our Advisors & Ambassadors
* Who we work with
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* For Providers
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* Employers
* Schools, Churches & Nonprofits
* Learn
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* Research & Whitepapers
* Blog
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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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