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Open Long-Term Income Protocol

An institutional standard for multigenerational family capital.

OLTIP enables regulated institutions to offer a rule-based capital framework that supports retirement income without turning family capital into a one-generation depletion product.

Zero
Balance sheet liability for the institution
Multi‑gen
Capital horizon — not one-generation depletion
Open
Licensed protocol, not a proprietary fund

Most families have no institutional
framework for keeping capital
productive across generations.

Ordinary responsible families face a narrow choice: spend down capital through depletion-oriented retirement structures, or invest privately without institutional discipline or continuity.

The frameworks designed for multigenerational capital continuity exist — but only for larger wealth. OLTIP is designed to help institutions make that logic accessible at a broader scale.

Consumption-oriented retirement products

Annuities and drawdown models are designed around one-generation capital exhaustion. The design objective is spending, not continuity.

Endowment and family office structures

Designed for multigenerational continuity — but structurally inaccessible for ordinary families in terms of scale, cost, and governance complexity.

Ad hoc private investing

Without a certified framework and institutional governance, long-duration continuity depends on individual decision quality — not structural design.

Built for institutions.
Designed around family continuity.

OLTIP is relevant to banks, asset managers, pension platforms, and fintech implementors looking for a capital-based retirement-income framework with institutional discipline — and without insurance-style structural burden.

  • 01

    No guaranteed liabilityNo annuity promise. No actuarial reserve. No insurer-style balance sheet exposure. Revenue is fee-based and linear — with no performance risk and no embedded insurance margin.

  • 02

    Long-duration capital baseDesigned around continuity of productive capital, not planned exhaustion within one retirement cycle. Clients don't exit a framework that is generating proportional income from their own capital.

  • 03

    Transparent fee economicsLinear, visible, long-duration economics — without insurance margin or embedded complexity. The 0.15% TER ceiling makes fee logic explicit and auditable by design.

  • 04

    Existing legal wrappersImplemented within established legal and custodial structures — UCITS, defined contribution vehicles, or regulated long-term savings wrappers. No new regulatory category required.

Illustrative Revenue at Scale

$250 million AUM $250,000 / yr
$1 billion AUM $1,000,000 / yr
$5 billion AUM $5,000,000 / yr
$10 billion AUM $10,000,000 / yr
$50 billion AUM $50,000,000 / yr
Figures illustrate fee-based revenue at a hypothetical 0.10% management fee — one possible structure within the 0.15% p.a. TER ceiling the protocol requires. Actual fee levels are set by implementing institutions.

A protocol, not a product.
A simple institutional architecture.

OLTIP defines the rules. Regulated institutions implement them. The institution implements. The family participates. The protocol governs.

Family capital

Individually owned, segregated, estate-continuous

Each participant's capital is held in their own account within regulated custody. No pooling, no redistribution — capital remains in the family estate.

Institutional wrapper

Regulated institution implements the framework

The institution provides custody, compliance, and rule-governed execution within its own legal infrastructure — UCITS, DC vehicle, or long-term savings wrapper.

Rule-based payout engine

Income governed by transparent protocol rules

Monthly income is proportional to Smoothed NAV, locked between peaks, and subject to a predefined Capital Preservation Override. No manager discretion at any stage.

Continuity across generations

Capital structured for continuity, not depletion

Because income stays proportional to capital, the framework is oriented away from one-generation exhaustion. Capital remains productive, owned, and part of the family estate.

Begin the
institutional conversation.

For banks, asset managers, and pension platforms evaluating OLTIP as a framework. The review pack includes an institutional briefing note, the full whitepaper, and a structured pathway for institutional review and implementation discussion.

Request Review Pack

Implemented under a certified governance framework. Protocol stewardship: Martin Buršík · martin.bursik@oltip.org