"You are never too old to set another goal or to dream a new dream"

Astrid Lindgren - Bestselling Swedish author

Our dream is financial security for life for over a billion people.

Tontine Trust is a Swedish trust company making it easier for you to secure a steady income that you enjoy for the rest of your life.

 

After 8 years of research & development, our award winning product is increasingly being recognised by international institutions as the future of pensions.

 

Since day one, we set out to profit with you - not from you - maximising your lifetime income while keeping the fees low.

 

Innovation drives us, but you inspire us. Together, we’re building a brighter, fairer future for savers where their interests comes first.

Team Tontine

Meet the team leading the Tontine Renaissance

Dean McClelland

Founder/CEO

Dean McClelland

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Gary Haran Doyle

COO & MLRO

Gary Haran Doyle

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Joao Almeida

Chief Financial Officer

Joao Almeida

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Ian McKnight

Chief Investment Officer

Ian McKnight

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Kevin Maas

Head of Regulatory Affairs

Kevin Maas

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Suzana Md Samsudi

Islamic Retirement Solutions Specialist

Suzana Md Samsudi

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Milosh Spasovski

Head of Frontend Development

Milosh Spasovski

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Luciano Rolim

Technical Product Manager

Luciano Rolim

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Stefan Tasevski

Head of Mobile Engineering

Stefan Tasevski

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Lari Markovski

UX/UI Designer

Lari Markovski

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Eduardo Lemos

Haskell Developer

Eduardo Lemos

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Dimitar Sarafiloski

Frontend Web Developer

Dimitar Sarafiloski

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Ivan Mihajlovski

Frontend Web Developer

Ivan Mihajlovski

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Our Advisors

Ensuring we stay true to our old school values & standards

Prof. Hans Van Meerten

European Pensions Expert, EIOPA Panel Member, PEPP Specialist

Prof. Hans Van Meerten

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Jorik Van Zanden LLM

Pan-European Pensions Expert

Jorik Van Zanden LLM

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Norbert Gehrke

Former AIG Japan Strategist, ex Goldman MD, Asia Region Advisor

Norbert Gehrke

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Michael Edelson

Long term Director of Man Utd FC, VC/Angel & Philanthropist

Michael Edelson

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Jörg Platzer

Economist, Director of Deutsche DLT Assoc., Tontines Expert

Jörg Platzer

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Jon Matonis

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

Jon Matonis

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Jumaatun Azmi

Founder of the World Halal Forum

Jumaatun Azmi

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What do financial experts generally think about tontines?

  • In Canada we have seven major pension stakeholders
    calling for longevity risk pooling and in the most recent
    budget the Canadian government has actually
    proposed to create a Tontine.

    David John

    Senior strategic policy advisor AARP Public Policy Institute

    Data unavailable
  • Tontines, they solve so many problems for retirees. These guys are bringing them back... super interesting.

    Raoul Pal - CEO

    Real Vision Finance TV

    Data unavailable
  • This might be the iPhone of retirement products

    Moshe Milevsky

    Professor at Schulich School of Business, York University

    Data unavailable
  • First Rate! I'm so excited about your effort, I can barely stand it!

    Gary S. Mettler

    The Annuity Maestro

    Data unavailable
  • The Tontine will oblige those whose interest it is to prolong the life of the old, to treat them with respect and care because of the advantage they will find and will hope to increase . . . It will motivate husbands and their wives to take extremely good care of each other.

    Lorenzo de Tonti

    Inventor of the Tontine

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Who we work with

About Tontine Trust

Tontine Trust Advisors LLC is the US Trust Advisor to Tontine Trust Europe KB, a Swedish regulated Fintech Trust Company providing Tontine Pensions, Tontine Trust Funds and a TontineIRA™ that pays you a monthly income for the rest of your life.

Our business model is based upon offering fair lifetime income products at a fee of only 1% per year to individuals, corporations and governments which ensure that Tontine members can enjoy a monthly income for the rest of their lives.

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88953, 111 NE 1st St, 8th Floor, Miami, FL, Miami-Dade, US, 33132

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[email protected]

Phone Number

+46850781500

What the world says about us

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Olivia S. Mitchell

Pensions Research Council @ Wharton

Forbes

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.

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Jonathan Chevreau

Financial Journalist

MoneySense

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.

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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.

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Raoul Pal

Founder & CEO

Real Vision TV

"Tontines, they solve so many problems for retirees.
These guys are bringing them back.
Super interesting!"

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Gary S. Mettler

Financial Advisor & Author

The Annuity Maestro

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