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Modern tontines as a pension solution: a practical overview

European Actuarial Journal (2021)

Direct Link: European Actuarial Journal

“If you survive your pension savings, you will be poor!
If your savings survive you, that’s equally inefficient.” — Jose Herce

Global environment is putting many pension schemes under pressure

  • Low Rates and Increased Longevity have made life annuities impractical
  • Adequate elderly financial planning is more needed than ever

Retirement Decumulation is the “nastiest, hardest, problem in finance” - William Sharpe

Modern Tontines, as a retirement vessel, can efficiently solve the annuity puzzle

A Flexible, Transparent and Efficient pension solution: