Crossword Genius

Financial scheme sound for saving money (7)

Ross

I believe the answer is:

tontine

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'financial scheme' is the definition.
(I've seen this before)

'sound for saving money' is the wordplay.
'sound for' becomes 'tone' (I can't explain this - if you can you should believe this answer much more).
'saving' indicates putting letters inside.
'money' becomes 'tin' (old-fashioned slang term for money).
'tone' placed around 'tin' is 'TONTINE'.

Can you help me to learn more?

(Other definitions for tontine that I've seen before include "Tin tone for a scheme of life annuity" , "financial scheme" , "life assurance scheme" , "financial enterprise" .)

I've seen this clue in The Times.
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