We enable people
to enjoy retirement
by removing the risk
of their savings
running out






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ABOUT OUR LIFETIME INCOME PRODUCTS

Our Tontine Pensions will provide safe Lifetime Incomes which can be expected to rise over time at a very low cost for members

A Tontine is like a mutual society
where profits go to the pensioners
rather than to shareholders
of an insurance company

A Tontine is a 366 year old lifetime income product which was so popular that it dominated the US insurance industry & increased the savings rate so effectively that over 50% of all households saved into a Tontine Pension.

In 1906, new US regulations severely restricted the profitability of these blockbuster products, removing the incentives for insurance companies to continue offering them, even on a low cost basis.

Fast forward to 2019 where 80% of the money in the world belongs
to people over 60 and their greatest fears in retirement are that:

#1: With advances in human longevity, they will now live so long
that they will run out of money, &

#2: That if & when long term care is needed, they will not have
a long term income stream to be able to continue paying for it.

For these reasons, 84% of savers are interested in lifetime income
products which offer longevity protection however existing products
are so hated that only 1 in 6 savers purchases a solution leaving
5 out of 6 savers unprotected & trillions of dollars of unsatisfied
demand each year.

Since 2017, we have been preparing to launch a patent pending fintech platform which will offer low cost modern lifetime income products based upon the popular Tontine Pension model & with the monthly payouts benefitting from Nobel Prize Winning Research.

Iphone and Debit Card

Industry Research shows why our Tontine Pensions
will provide the "Perfect" solution:

The Asia Retirement Income Report (2017) : "the ‘perfect’…product is likely to have…":

Lifetime Income

A Lifelong Income

Monthly payouts commence at retirement age & continue for as long as each of the 10,000 same-age, same-gender members stays alive up until age 120+ if needed.


Members contribute any amount they can afford to invest in the Tontine, their payouts are proportional to the amount of capital paid in.

Capital is Safe

The Capital Is Safe

The capital of the tontines is held in trust for the members & invested in a globally diversified portfolio of low cost ETFs & other suitable pension fund assets.


This means that the capital is safer than if it is loaned to one of the large insurance companies which by their nature carry very high liabilities.

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Income Increases

The Income Increases

When members pass away, their capital stays in the pool, enabling future payouts for remaining members to increase over time.


Payouts are likely to increase faster than inflation, particularly in later years.


Lifetime Income

The Fees Are Very Low

Unlike some Annuities that charge 30% fees up front & 3-5% per year expense ratios, our Tontine Pensions will cost only 1% per year.


By reducing the fees charged to members, our Tontines offer far better value for money resulting in starting monthly payouts than can be up to 40% higher than annuity products even before mortality credits.

ONE PLATFORM - A WORLD OF USE CASES

Our platform model is to align with partners across the globe to help many consumer segments

Retiring Baby Boomers
Facing Uncertain Longevity

Lifetime Income

Worrying about every penny you spend each day affects your happiness, decision-making & often leads to poor health choices.

Having a tontine style lifelong income stream means that you can be more productive & are now financially incentivised to take better care of your health.

Micro Pensions &
the Unbanked

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In markets with no established savings or pension systems we will offer a secure leapfrog solution enabling a trusted nationwide savings system to be accessed even in rural settings.

Savers need only know someone with a smartphone in order to be able to register a savings or pension account.

Millenials &
Gig Economy Workers

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Millenials are sceptical of the benefits of pensions overall & are generally more interested in flexible & transparent financial solutions.

Our DIY pensions incentivise saving by showing the substantial gamefied rewards for saving into a Tontine & transparently show the assets & calculations underlying all projected future payouts.

Islamic Finance &
Takaful Insurance

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Other lifetime income products such as annuities offer guaranteed payments by one party which are contrary to the risk sharing principles of Shariah Finance.

Tontine Pensions are shariah compliant by nature based upon the risk sharing principle as long as the underlying investments of the tontine are selected to be shariah compliant also.

WHY PEOPLE LOVE TONTINES

Tontines historically outsell annuities 5 to 1 simply because they pay so much more & reward healthy living.
The following examples are estimated upon a 65 year male resident in the UK

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TontineTrust

Returns are probabilistic based upon mortality rates & investment returns

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Buy A Growth Annuity

Offers a "guaranteed" rate annuity plus
a 3% p.a. payout escalation

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Buy A Fixed Annuity

Offers a "guaranteed" payout rate but which
is not indexed to inflation

Sack of Money

20 Year Cash Drawdown

The cash balance is drawn down over 20 years
at current interest rates

Expected Monthly Income from an investment
of £1m at 65 years old

Graph of Expected Returns

NOTABLE ENDORSEMENTS

Tontines continue to receive endorsements from Financial Scholars,
Universities, Financial Institutions & the Financial Media

We Work With

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OUR TEAM

DEAN MCCLELLAND

Founder/CEO, CXO,
Robo-Actuary Designer

Brian Bossler

RICHARD K. FULLMER CFA

Chief Investment Officer, Pension Architect & Tontines Expert

DR. MICHAEL J NEISH PhD

Quant / Programmer responsible for Robo-Actuary Optimisation

NICHOLYN CHANG

Malaysia Head + Micro Pensions & Financial Inclusion for Women

MARCIN ZDUNIAK MSc

Lead Developer Blockchain, Fintech Integrations

MAX HARAN DOYLE

Digital Strategy &
Project Manager

MAREE LAMBRECHTS

Actuary, Developer,
Problem Solver

TRISH KELLY

UX / UI Designer

OUR ADVISORS

JON MATONIS

Founder of the Bitcoin Foundation, Cryptoeconomist & Blockchain Entrepreneur

MICHAEL EDELSON

Long term Director of Man United F.C., Angel Investor, VC, Businessman & Philanthropist

HOWARD PANG

Former AIG Agency Strategist, Insurtech Founder

JUANITA WOODWARD

Fintech Entrepreneur, NGO Advisor, Financial Inclusion Advisor

JÖRG PLATZER

Economist, Director of German National DLT Assoc., Tontines Expert

NORBERT GEHRKE

Former AIG Japan Strategist, ex Goldman Sachs MD, Fintech & Asia Region Advisor

VERONIQUE FICHEUX

Award Winning Fund Manager, Asia Pacific Ambassador

TAIKI ASAKAWA

Actuary, Data Scientist,
Blockchain

MEDIA MENTIONS

We continue to get featured in both online and printed publications

Retirement Income Journal
Bloomberg
Forbes
FT
Coinjinja
Huffington Post
Seeking Alpha
Interactive Investor
Token Market
Bitcoin Exchange Guide
Cryptoarabe
Token Market

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