Tontines:
Accessable &
Secure Retirements
for Everyone


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ABOUT OUR PEER TO PEER TONTINES

Our Tontines provide Lifetime Income in Retirement, are ALWAYS fully funded & substantially reduce costs for members

Tontines are like "old school"
mutuals where profits are paid to
the Tontine Members & not to
insurance company owners

Tontines are a 300 year old retirement funding solution which in the late 19th century were so popular that over half of all US households had invested the modern equivalent of $170Bn in a tontine.

Still popular in France, in 1906 they fell out of favour in the US due to the insurance company issuers tampering with the membership ledgers &
then withdrawing too much investor capital as "insurer profits".

Fast forward to 2017 and the top 20 OECD countries face a
$78 Trillion pension shortfall & Fitch Ratings have now also
downgraded the insurers which are the counterparties of many
of the most widely held private pension products.

Following the creation of distributed ledger technology, the time is
right for a trustless peer-to-peer system which offers users
substantial cost savings and is properly secured by advanced mathematics,
immutable ledgers & pseudonymous accounts.

Our flagship product will be an ETF based Tontine Pension designed
to deliver optimal returns based upon Nobel Prize Winning Research.

Biometrically authenticated members will receive monthly payouts to their Tontine Accounts linked to TonCards which can be used at over 40 million merchants and ATMs worldwide.

Iphone and Debit Card

This is more than a product, it is a financial revolution


INTERESTED IN HOW IT WORKS?
CHECK OUT OUR QUICK EXPLAINER VIDEO

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KEY BENEFITS

"Comparing a Tontine to an Annuity is like comparing an iPhone to a calculator"

HIGHER INITIAL PAYOUTS

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As a no-load, low-fee product, our Tontines can provide an estimated 40%+ higher payout than an equivalent annuity product from the start which enhances your quality of life

UNRIVALLED SECURITY

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We take security seriously. Our Tontines are locked to each member's encrypted identity. Only biometrically authenticated members can authorise payouts.

YIELDS INCREASE OVER TIME

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The Tontines only continue payouts to surviving members. This causes the payouts to escalate over time (often dramatically in later years) independently of underlying investment returns.

COMFORT IN SIMPLICITY

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Other retirement products are complex & hard to understand, Tontines are simple & transparent. Members always have unparalleled visibility on the the underlying ETF or other assets as well as projected future payouts.

The TontineTrust platform will help bring
financial security to the global community

Different communities have different financial security needs

ETF Based Tontine Pensions

Balanced multi-asset global ETF portfolios benefiting from Nobel Prize Winning Research

ETF Funds Icon ETF Funds Icon Read More

Social Security made Immutable

Countries can launch ALWAYS fully funded Pensions protecting citizens from financial crises, currency devaluations or corporate bankruptcies

For the people Read More
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Gold-Standard Tontine Pensions

To be fully backed backed by ownership of physical gold in their UK vaults of the Royal Mint*

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Real Estate Tontines

Invests in real estate sectors such as residential, commercial & hospitality as well as REITs or other real estate funds.


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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

Stellar Oppenberg BitGo TokenGet

Roadmap

  1. QUARTER 1

    Concept Development with a view to solving a major, growing global problem on the blockchain ✔

    Robo-Actuary Concept✔

  2. QUARTER 2

    Tokenomics refined to generate network effects ✔

    Team Expansion Commences ✔

  3. QUARTER 3

    Website Launch ✔

    Incorporated ✔

    Regulatory Analysis ✔

    Robo-Actuary Prototyped ✔

  4. QUARTER 4

    Patent Filed ✔

    Release Whitepaper ✔

    Strategic Partnership Development commences ✔

  5. QUARTER 1

    Team Expansion ✔

    Platform Development ✔

  6. QUARTER 2

    Continued Platform Development ✔

    TON$ added to exchanges ✔

    Strategic Partnerships ✔

  7. QUARTER 3

    iOS MVP in Progress ✔

    TON Private Sale

    Continued Strategic Partnership Development

  8. QUARTER 4

    Android MVP in Progress ✔

    Biometrics & TONMoneyApp

    TON Private Sale

  9. QUARTER 1

    Regulatory Applications

    TON Main Sale Commences

    Robo-Actuary Development

  10. QUARTER 2

    Regulatory Permissions Finalised

    Modern Tontines Re-Enter the World

  11. QUARTER 3

    Extensive Global Marketing Program begins

    Distributors begin to buy TON$ on exchanges to obtain distribution licences

OUR TEAM

DEAN MCCLELLAND

Founder, CEO

Brian Bossler

RICHARD K. FULLMER CFA

Chief Investment Officer

MARCIN ZDUNIAK MSc

Lead Developer Blockchain, Fintech Integrations

DR. MICHAEL J NEISH PhD

Quant / Programmer responsible for Robo-Actuary Optimisation

NEDDA KALTCHEVA

Technical Architect
Govt. Scale Systems

MAX HARAN DOYLE

Digital Strategy &
Project Manager

TAIKI ASAKAWA

Actuary, Data Scientist,
Crypto Trader

VERONIQUE FICHEUX

Award Winning Fund Manager, Asia Pacific Ambassador

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

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

MEDIA MENTIONS

We continue to get featured in both online and printed publications

Huffington Post
Bloomberg
Forbes
FT
Coinjinja
Retirement Income Journal
Seeking Alpha
Token Market
Interactive Investor
Bitcoin Exchange Guide
Cryptoarabe
Token Market
IcoBench
FoxIco
Ico Holder
FoundIco

Support the Project

The Tontine platform is powered by TON$, a new digital currency which rewards partners & financial advisors for helping the platform grow its assets and reach new consumers.

To Support the Project, learn more about our TON Money.


Learn More

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