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We investigate whether a historical pension concept, the tontine, yields enough innovative potential to extend and improve the prevailing privately funded pension solutions in a modern way. The tontine basically generates an age-increasing cash flow, which can help to match the increasing financing needs at old ages. In contrast to traditional pension products, however, the tontine generates volatile cash flows, which means that the insurance character of the tontine cannot be guaranteed in every situation. By employing Multi Cumulative Prospect Theory (MCPT) we answer the question to what extent tontines can be a complement to or a substitute for traditional annuities. We find that it is only optimal to invest in tontines for a certain range of initial wealth. In addition, we investigate in how far the tontine size, the volatility of individual liquidity needs and expected mortality rates contribute to the demand for tontines.
The effort will be pursued with no increase in the school district mill levy and with approximately 3/5 private funds. A campaign has been created to seek funds to turn this vision into reality. A variety of opportunities to donate are being offered, including naming rights for various locations at the complex, which are guaranteed for the life of the turf (10-13 years) or the sponsored space. All donations and sponsorships in support of this project are tax-deductible. Now is the time for you to get involved and be recognized by supporting this project and campaign.
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But there are several erroneous notions to which you likewise owe a share of your misfortunes, and which, if continued, will only increase your trouble and your losses. An opinion hangs about the gentlemen of the minority, that America would relish measures under their administration, which she would not from the present cabinet. On this rock Lord Chatham would have split had he gained the helm, and several of his survivors are steering the same course. Such distinctions in the infancy of the argument had some degree of foundation, but they now serve no other purpose than to lengthen out a war, in which the limits of a dispute, being fixed by the fate of arms, and guaranteed by treaties, are not to be changed or altered by trivial circumstances.
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