Nuovalo Ltd. is a fintech/insurtech/pensiontech company specializing in sustainable retirement pension solutions through longevity-risk sharing, such as with tontines and collective defined contribution (CDC) schemes.
We are a sister company to Nuova Longevità Research, a leading pioneer of modern tontine research and design.
Indeed, research is in our DNA… in case you didn’t notice, Nuovalo is short for Nuova Longevità. We like the name, which means New Longevity in Italian, because it embraces our spirit of bringing new and innovative solutions to the lifetime income challenge.
Our solutions provide the assurance of pension-like lifetime income more efficiently than existing solutions by eliminating the high costs associated with guarantees and risk transfer.
Nuovalo Longevity Income Solutions is a global solutions provider of longevity risk-sharing design and technology services.
We don’t merely offer a product; we offer a flexible solutions platform that enables asset managers, insurers, and pension plans to design a customized set of retirement portfolio accumulation and decumulation solutions of their own.
Nuovalo and Affiliated Research Partners
Tontines and Collective Annuities: Lessons from an International Surveys. Turner, J. A., Fullmer, R. K., and Forman, J. B. (2021 forthcoming). Working Paper.
A Sustainable, Variable Lifetime Income Solution for Chile. Fuentes, O., Fullmer, R. K., and Garcia Huitron, M. (2021 forthcoming). Working Paper.
Modern Tontines. Winter, P. and Planchet, F. (2020). Working paper.
State-sponsored Pensions for Private Sector Workers: The Case for Pooled Annuities and Tontines. Fullmer, R. K. and Forman, J. B. (2020). Wharton Pension Research Council Working Papers.
Individual Tontine Accounts. Fullmer, R. K. and Sabin, M. J. (2019). Journal of Accounting and Finance, 19(8).
Tontines: A Practitioner’s Guide to Mortality-Pooled Investments. Fullmer, R. K. (2019). Charlottesville, VA: CFA Institute Research Institute.
Tontine Bond Ladders. Fullmer, R. K. and Sabin, M. J. (April 16, 2019). SSRN.
The Analytics of a Single-Period Tontine. Sabin, M. J. and Forman, J. B. (November 9, 2016). SSRN.
Survivor Funds. Forman, J. B. and Sabin, M. J. (2016). Pace Law Review, 37(1).
Tontine Pensions. Forman, J. B. and Sabin, M. J. (2015). University of Pennsylvania Law Review, 173(3):755-831.
A Fast Bipartite Algorithm for Fair Tontines. Sabin, M. J. (May 22, 2011). SSRN.
Fair Tontine Annuity. Sabin, M. J. (March 26, 2010). SSRN.
What if Financial Institutions could tap much deeper into the underserved retirement market ?
…and this solution included:
Individualized payouts and asset allocation
Lower capital requirements
…and was fully funded and forever sustainable ?