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  • Tontines

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      Introduction to Tontines

      Start here if you are new to Tontines & longevity pooling

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      About Tontine Trust

      Find out more about who we are, how we got started and the mission we are on

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      Research & Whitepapers

      Read the latest academic papers and research advocating for more Tontines

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      Tontines in the News

      Read the latest news on Tontine Trust and the Tontine renaissance

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      Videos & Interviews

      Sit back and watch what the world says about Tontines

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      Download the Apps

      Download the Tontine App and manage your lifetime income from your mobile or tablet.

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      The Tontiner Blog

      Lifestyle tips for Tontiners that want to Live Long & Prosper®

  • Trust Funds

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      What is a Tontine Trust Fund?

      Understand what a Tontine Trust Fund is and how it delivers lifetime income

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      What is a Trust?

      Understand the basics of how Trusts work

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      Gold Tontines

      Lifetime Income Trusts backed by physical Gold, the world’s reserve asset

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      Bitcoin Tontines

      Lifetime Incomes backed by the worlds favorite digital asset

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      Tontine BOLD

      A Lifetime Income Trust backed by Bitcoin and Gold

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      Silver Tontines

      Lifetime Income Trusts backed by physical Silver

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      Islamic Tontines

      Naturally shariah compliant lifetime incomes based upon ethical risk sharing principles.

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      How it Works

      See how you easily can establish your individual lifetime income trust fund

  • Pensions

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      The TontineIRA®

      Transfer a standard IRA/401k to a lifetime income IRA with added longevity pooling

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      Tontine Trust Pensions

      Switch to a pension that that offers a steady income that will last as long as you do

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      Solutions for Pension Providers

      Our Tontines-as-a-Service platform enables you to add longevity pooling returns to your standard pension products

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      National Tontine Pensions

      Offer lifetime social security for citizens without relying on government guarantees

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      Islamic Pensions

      Award-winning naturally shariah compliant pensions for the muslim world.

  • FAQs

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      U.S. Tax Guide

      Understand the potential tax efficiencies of the Tontine Trust Fund

Go to App
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Your Wealth.
Your Trust.
Your Future.

Enjoy the security of a private trust with
the added yield from longevity pooling

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Why use a Trust Fund?

Trust Funds separate assets from the individual, allowing them to be administered according to trust rules and fiduciaryFiduciary duty is the legal obligation where a person (the fiduciary) must act in the best interests of another person or group (the beneficiary/client), putting those interests ahead of their own and avoiding any conflict of interest.

For example, in a trust, the trustee has the fiduciary duty to act in the best interests of the beneficiaries of the trust, whereas in an insurance company, the officers of the insurer have a fiduciary duty to act in the best interest of the insurers shareholders rather than in the best interest of their policyholders/clients. principles.

For centuries, Trust Funds have been used by families, charities and institutions to preserve and manage wealth according to long-term objectives rather than short-term circumstances, making them one of the world's most enduring and respected wealth structures.

A Tontine Trust Fund applies these same fiduciary principles to lifetime income and longevity pooling, while safeguarding assets for the benefit of an individual member throughout their lifetime.

The Trust determines how assets are held. The Tontine determines how longevity yield is distributed.

Choose your preferred long term assets

The benefits of a Tontine come from the longevity yieldThe strategic value of a Tontine is that you earn an additional type of yield simply for staying alive longer than other members of your tontine class with similar life expectancies.

The WSJ's MarketWatch describes this longevity yield as “a type of guaranteed ‘alpha’ not available in any other asset class.

Under normal circumstances, the longevity yield is low at younger ages but starts rising over time as members of the relevant tontine class get closer to their life expectancy ages.

In times of war or pandemics affecting members of a tontine class, longevity yields could rise faster.

In the event of medical breakthroughs affecting members of a tontine class, longevity yields could rise less quickly. and how the wealth is used, not from an investment strategy.
The Trustees approve a range of long-term assets that they believe are suitable for preserving purchasing power over extended periods.
Currently available assets include:

Allocated Gold

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A time-tested store of value used to preserve purchasing power in times of inflation and economic uncertainty.

Gold positions reference physical Gold in vaults.

₿itcoin

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A scarce digital asset designed to provide exposure to the growth of decentralized financial systems.

Bitcoin is held at Bitgo, our institutional custodian.

₿OLD

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A strategic combination of Gold and Bitcoin designed to balance long-term stability with long-term growth potential.

The Trustees default allocation is 70% Gold and 30% Bitcoin.

The purpose of these assets is to preserve and grow purchasing power over time.
The additional distributions from a Tontine Trust Fund comes from the longevity yield rather than from the asset selection itself.

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Designed For Life

Life changes so flexibility is important.

Our Trust Funds are designed to be adaptable to each members changing needs.

  • How much and when to contribute is always your decision.
  • You can start, stop or postpone payouts at the touch of a button.
  • You can adjust your distribution profile to maximise potential distributions later on or right now.
  • You can request the Trustees to make adjustments to your asset selection.
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More Of Your Wealth Stays Working For You

Many financial products involve layers of commissions, setup costs and ongoing charges.

Tontine Trust Funds are designed differently.

There are no commissions, no setup fees and a single transparent annual fee covering trust administration, custody fees and ongoing management.

How It Works:

The simple, natural way to control your financial future.

Form the Trust Online

Man with Increasing Line - Our Mission

Register to establish and contribute to your private individual lifetime Trust.

Choose one or more reserve assets to provide a long-term store of value.

Enjoy the flexibility to to start your monthly distributions at any time.

Pool Longevity Risk

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The Trust is joined to a Tontine Class of members of the same sex and similar age.
As members pass away, leftover assets are shared among the surviving members of the Class.

This longevity yield, together with any asset performance, powers the lifetime payouts.

Start Spending

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Sign in monthly to authorise payments to your bank account or Tontine Card.
Review your expected distributions based upon asset prices and longevity yields.

Optimise your preferences between the payouts you want now versus the ones you could receive later.


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  • About Us
  • About Tontine Trust
  • The Team
  • Our Advisors & Ambassadors
  • Who we work with
  • Transparency Policy
  • Investor Relations
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  • Tontines in the News
  • Videos & Interviews
  • Research & Whitepapers
  • The Tontiner Blog
  • Referral Reward Program
  • Download the Apps

Terms & Conditions

Privacy Policy

Legal & Regulatory

For Banks

For Regulators

References to ‘tontine’ on this site describe the longevity-risk sharing mechanism used to adjust trust distributions; distributions are made by the trustee in accordance with the trust terms.

Tontine Trust Europe KB (“Tontine Trustees” or the "Trustee") is a Swedish authorised trust management company. We provide fiduciary trust services, including the establishment and administration of irrevocable trusts and the management of trust assets, in accordance with applicable trust laws.

We establish irrevocable lifetime Tontine trusts for clients worldwide, except where restricted by local law.

Our fintech platform enables individuals to establish an individual Tontine Trust Fund efficiently and securely. The patented platform supports trust administration, asset selection, distribution modelling in accordance with predefined trust terms and applicable fiduciary duties.

Information provided on this website or through our platforms is general information only and does not constitute personal financial, investment, legal, or tax advice. You should seek independent professional advice before making decisions.

The selection of assets held within a Tontine Trust Fund is the responsibility of the member. Tontine Trustees is not responsible for outcomes resulting from a member’s asset preferences, except to the extent required by our fiduciary duties in administering the trust.

Trust assets are subject to market risk, and losses — including loss of principal — are possible.

Any illustrations or examples of lifetime distributions shown on this website or in related materials are indicative only.
Distributions from a Tontine Trust Fund are not fixed or guaranteed and may increase or decrease over time based on factors including asset performance, longevity assumptions, and the survival experience of members within the same tontine class.

Distribution estimates are generated using probabilistic and financial models that are regularly reviewed and adjusted to reflect changing conditions. Estimates are for illustrative purposes only and are not predictions or guarantees.

Redistribution on Death

When a Tontine Trust member dies, any leftover trust balance is redistributed among the surviving members of the same Tontine Class, in accordance with predefined trust rules governing survivorship-based allocation of beneficial interests. As a result, no trust balance remains for inheritance by spouses, children, other beneficiaries, or creditors.

Members who wish to provide separately for family members should consider establishing and funding separate trusts for those individuals.