Free yourself from the fear of running out of money

Rollover your old IRA / 401(k) to a Lifetime Income TontineIRA™ & get ready to Live Long & Prosper®

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A lifetime income to age 120

As a member you will receive a steady income for life from your Tontine IRA™ paid monthly from whichever date you select in the app.

Unlike a traditional IRA where the balance falls after each withdrawal, your TontineIRA™ inherits regular balance top-ups from other members of your tontine pool.

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Income rises over time to offset inflation

As the years go by, you can expect to inherit more and more balance top-ups from other members of your tontine pool which automatically increases the amount of monthly income you will receive.


Safety first: Your savings are held in FDIC insured deposits

1 year CDs are now paying 5.3% which is risk free when your deposits are spread across enough FDIC insured banks.

Whilst Target Date Funds can earn higher returns, they occasionally get 'clobbered' by 20% which brings into question their suitability for savers who are near, or already in, retirement.

Therefore your TontineIRA™ trustees prefer to take the safer option by depositing your assets at multiple FDIC insured multiple banks where your savings are guaranteed by the full faith and credit of the federal government up to $10m per TontineIRA™.


Give your children an inheritance while they are still young

If you live into your 90s and have any money left over when you pass then your kids could already be in their 70s when they receive an inheritance.

However by securing a lifetime income you make it safer to pass on any spare savings now to help them buy a house or start a business while they are still young.


Flexibility & Control

You can adjust your plan as often as you like with a few clicks.

Want to increase, decrease 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 as fiduciaries which 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 offered by non-fiduciaries on a 'buyer beware' basis and which may charge "junk fees" which are 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. This is why we charge a flat low fee of 1% and zero commission. This stands in contrast to annuities which are priced to make a profit for the insurer and which often pay sales commissions of 3-8% out of your savings.


Secured by a 'password' you'll never lose

Instead of using long passwords that can be hard to remember we protect your lifetime income against fraud using facial recognition technology.

Whenever you need to take a sensitive action on your account such as approving a payout or changing your bank details, you just login to the app using your face so that we can be sure that it is you in control of your account.

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Access to the platform is currently by invitation only. To secure your invitation, please submit your details here:


Tontine Trust is a financial technology company, not a bank or chartered trust.

Website TermsPrivacy Policy

© 2023 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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