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Fully funded, lifetime pensions at low cost
Modern longevity risk sharing architecture and technology
News and publications on sustainable retirement solutions
Optimized lifetime pensions
Truly Efficient lifetime pensions
Serving the Global Retirement Industry
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Frequently Asked Questions
‘What is now proved was once only imagined.’ ~ William Blake
Keith Ambachtsheer discusses innovation in noninsured lifetime income products.
Longevity risk pooling should be able to sell itself as easily as ice-cream on a hot summer day.
Check how much lifetime income a modern tontine can generate compared to a standard decumulation scheme
Our presentation slides on the subject of state-sponsored tontine pension solutions
Explore our animated whiteboard videos (in English, French, and Spanish!)
Set against a diminishing number of defined benefit (DB) schemes in Europe, tontines are being ‘seriously re-examined to see if they could have a role to pla...
Assurance funds would offer some of the same features as traditional defined benefit (DB) pensions, such as longevity risk pooling and lifetime payouts. A bi...
A first of its kind primer for investment practitioners on the subject of tontine portfolios
We propose a new form of lifetime pension—tontine pensions that could be added as an option to virtually any defined contribution (DC) plan
Modern tontines envisioned by economists today have evolved since the tontines of yestercentury
Modern tontines are fair, transparent, simple, perpetually open to new members, always fully funded, … and surprisingly versatile!
Benjamin Franklin once famously wrote “… in this world nothing can be said to be certain, except death and taxes.”
A fundamental principle of tontines is that their design should be fair to all investors.
What is a tontine?
Selected reading for those who like research
Using a classical finance mechanism as an alternative source of retirement income