From Hope to Reality, At Last
Keith Ambachtsheer discusses innovation in noninsured lifetime income products.
Insights Blog
tontines
Longevity Risk Pooling: Ice Cream on a Hot Summer Day
Longevity risk pooling should be able to sell itself as easily as ice-cream on a hot summer day.
Modern Tontine Simulator
Check how much lifetime income a modern tontine can generate compared to a standard decumulation scheme
Savings & Retirement Foundation Presentation
Our presentation slides on the subject of state-sponsored tontine pension solutions
Animated Whiteboard Videos
Explore our animated whiteboard videos (in English, French, and Spanish!)
European Pensions: Back to the Future
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...
State-sponsored Pensions for Private Sector Workers: A Sustainable, Low-Cost Approach
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 Practitioner’s Primer on Tontine Portfolios
A first of its kind primer for investment practitioners on the subject of tontine portfolios
The Case for State-Sponsored Tontine Pensions for Private Sector Workers
We propose a new form of lifetime pension—tontine pensions that could be added as an option to virtually any defined contribution (DC) plan
Tontines: Might Retirees Prefer Noninsured Annuities?
Modern tontines envisioned by economists today have evolved since the tontines of yestercentury
Individual Tontine Accounts – Yes, Seriously!
Modern tontines are fair, transparent, simple, perpetually open to new members, always fully funded, … and surprisingly versatile!
Using Tontines to Manage Longevity Risk the Natural Way
Benjamin Franklin once famously wrote “… in this world nothing can be said to be certain, except death and taxes.”
On the Matter of Fair and Equitable Tontine Design
A fundamental principle of tontines is that their design should be fair to all investors.
Tontines 101
What is a tontine?
Research Library
Selected reading for those who like research
Brookings Institution Policy Brief on Retirement Tontines
Using a classical finance mechanism as an alternative source of retirement income
tech
Modern Tontine Simulator
Check how much lifetime income a modern tontine can generate compared to a standard decumulation scheme
simulator
Modern Tontine Simulator
Check how much lifetime income a modern tontine can generate compared to a standard decumulation scheme