Paper suggesting tontine pensions could be backed by much lower capital investment and be offered more cheaply.
Tontine Research
Read the research proving why Tontines are the future of pensions

Can providers & savers collaborate for better pensions?
Feb 17, 2022

Optimal performance of a tontine
This paper won the prestigious Chris Daykin Prize awarded by the IAA
May 21, 2025

Kaiko: BOLD delivers superior risk-adjusted returns
Institutional analysts conclude that holding 75% Gold with 25% Bitcoin delivers better superior investment returns
Mar 20, 2025

A Short History of Tontines
by Kent McKeever - Fordham Journal of Corporate & Financial Law
May 19, 2023

The Tontine Puzzle
by An Chen and Manuel Rach
Apr 3, 2023

Can Tontines save the $1.5T Canadian pension disconnect
Canada's NIA cites tontine style pensions as an effective & sustainable solution to the pension problem
Feb 17, 2022

UK government: CDCs are important pensions innovation
UK government sets out proposals as to how a CDC scheme might work in the UK
Feb 17, 2022

Retirement Tontines: Classical finance for retirement
by J. Mark Iwry, Claire Haldeman, William G. Gale, David C. John
Oct 31, 2020

Tontines: A Guide to Mortality-Pooled Investments
by Richard K. Fullmer & CFA Institute Research Foundation
May 4, 2019

From Tontines to Annuities (in 20 minutes)
by Moshe A. Milevsky
Apr 18, 2019

A Mutual Fund to Yield Annuity-Like Benefits
by Ralph Goldsticker, CFA
Jan 2, 2019

Individual Tontine Accounts
by Richard K. Fullmer & Michael J. Sabin
Jul 17, 2018

Tontine Pensions
by Jonathan Barry Foreman & Michael J. Sabin
Apr 20, 2015