"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
Founder/CEO
Dean McClelland
COO & MLRO
Gary Haran Doyle
Chief Financial Officer
Joao Almeida
Chief Investment Officer
Ian McKnight
Head of Regulatory Affairs
Kevin Maas
Islamic Retirement Solutions Specialist
Suzana Md Samsudi
Head of Frontend Development
Milosh Spasovski
Technical Product Manager
Luciano Rolim
Head of Mobile Engineering
Stefan Tasevski
UX/UI Designer
Lari Markovski
Haskell Developer
Eduardo Lemos
Frontend Web Developer
Dimitar Sarafiloski
Frontend Web Developer
Ivan Mihajlovski
Our Advisors
Ensuring we stay true to our old school values & standards
European Pensions Expert, EIOPA Panel Member, PEPP Specialist
Prof. Hans Van Meerten
Pan-European Pensions Expert
Jorik Van Zanden LLM
Former AIG Japan Strategist, ex Goldman MD, Asia Region Advisor
Norbert Gehrke
Long term Director of Man Utd FC, VC/Angel & Philanthropist
Michael Edelson
Economist, Director of Deutsche DLT Assoc., Tontines Expert
Jörg Platzer
Ex-VISA & CEO of Hushmail, Founder of the Bitcoin Foundation
Jon Matonis
Founder of the World Halal Forum
Jumaatun Azmi
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
Tontines, they solve so many problems for retirees. These guys are bringing them back... super interesting.
Raoul Pal - CEO
Real Vision Finance TV
This might be the iPhone of retirement products
Moshe Milevsky
Professor at Schulich School of Business, York University
First Rate! I'm so excited about your effort, I can barely stand it!
Gary S. Mettler
The Annuity Maestro
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.
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.
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.
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.
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.
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.
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.
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.