Full asset protection,Tax benefits and more with Swiss Annuities!
What exactly is a Swiss Annuities?
An Swiss annuity is an investment vehicle which is made within the cover of an insurance policy.
There are two general types of annuity: Fixed and Variable.
It is called a Swiss annuity because the investment is made in Swiss Francs with a Swiss insurance company, which has certain specific legal advantages which we will discuss.
The "fixed" type is one in which the insurance company offers you a fixed' rate of return based upon an investment portfolio which they determine and you have little, if any, input or control over
The "variable' type is based upon an investment strategy which you determine and the return is variable because it depends upon the performance of the investment portfolio.
Why an insurance product and not just invest directly ?
Instead of putting funds into a bank or high yield investment portfolio, you put them into a life insurance policy. Instead of giving investment instructions to the bank, you give them to the insurance company.
This way you make sure that you can apply your own personal investment strategy and at the same time benefit from the asset protection provided by Swiss insurance law.
Here is an excerpt from our Swiss legal advisor:
"When a person residing outside of Switzerland (policy owner') purchases a life insurance or annuity policy from a Swiss or Liechtenstein insurance company and designates his or her spouse and/or descendants as beneficiaries of the policy, or irrevocably designates any other third party as beneficiary (i.e. legal entity such as a trust), the insurance policy investment is protected by Swiss law against any debt collection procedures instituted by the creditors of the policy owner and also is not included in any bankruptcy procedure in this regard.
Even when a foreign judgment or court order expressly decrees the seizure of the policy or its inclusion in the estate in bankruptcy, the policy may not be seized in Switzerland or Liechtenstein nor be included in the estate in bankruptcy."
For Americans many Swiss annuities also meet the requirements of the US Internal Revenue Code for tax deferred growth. This is a nice side tax benefit in which these vehicles are sheltered from income and capital gains taxes during the accumulation period.
This is a definite advantage as compared to a mutual fund which may incur high yield investments income and capital gains taxes each year:
You can also transfer money from one portfolio to another without incurring taxes.
You can choose the balanced portfolio of investments to suit your personal strategy.
You may be more conservative and choose a higher percentage of bonds and fixed income investments.
On the contrary, if you are more aggressive, you may choose a mix with a higher percentage of equities and growth funds.
One High Yield Balanced Investments Portfolio from a particular company includes the following asset allocation:
- 45% Blue chip funds
- 40% Fixed-income funds
- 5% Technology funds
- 5% Emerging market funds
- 5% Small and mid-cap funds. Of course there are a variety of options available
Bottom Line is - with a Swiss Annuity you gain:
- Full asset protection from creditors, lawsuits Bankruptcy
- Security for beneficiaries
- US tax deferred growth
- No foreign taxes
- Privacy and Safety of Swiss Insurance
- First Class Swiss or Liechtenstein company management
- Investments are allocated in various funds and currencies for diversification
- No limits on the duration of the investment
- Tax benefit.
Of course you can research more details with a variety of companies in the market.
Swiss Annuities is the perfect vehicle for our Guaranteed Retirement Plan
Read this first before , then Contact us to ask for more information.