An annuity is a series of payments under a contract made at regular intervals over a period of more than one full year. They can be either fixed (under which you receive a definite amount) or variable (not fixed).

What is a swiss annuity ?

'Swiss Annuities' are getting very popular among people from American continent, europe, including some of the asian countries. Swiss annuities is a form of investment in swtizerland, or similiar to your term deposits with a fixed interest rate. This usually involves in investing your money with one of premier rated insurance companies in switzerland, where the insurance company issues a policy contract, nothing but a swiss annuity. you enjoy excellent return of your money with interest rate plus dividends on maturity. You can chose your way of receiving your returns, say in one year or halfyearly or quarterly. Monthly option is only available to the residents of switzerland. Swiss annuities are exempt from the famous 35% withholding tax imposed in switzerland and are bound by strict bank secrecy laws. Your annuity is thus held private and NOT reported to any foreign authorities.

Swiss annuities is not a bank account, but an investment. You can chose your own currency like USD, EUR or CHF. No doubt that 'swiss franc' stand as the premier rated stable currency in the world and more than a paper currency, fully backed by gold. Your earnings accumulate free of any Swiss tax including the 35% Swiss withholding tax normally applied to Swiss bank accounts. Swiss Annuities are also exempt from the new US IRS Regs on reporting and taxation of offshore investments.

• Difference between a swiss bank account and a swiss annuity >>

Features & benefits of a swiss annuity

Here are some and untold secret facts about swiss annuity.

• Privacy of your investment is protected by strict swiss secrecy laws. All transactions are kept STRICTLY confidentiale.
• Swiss annuities offer you the most competitive dividend and interest rates. Your money keeps growing at a compounding rate together with principal, plus accumulated interests.
• You can instruct your insurance company to make your payments from the annuity can be made in any currency to any bank in the world of your choice. All transactions are kept private.
• Swiss annuities offer flexibility of choosing your own currency rather than CHF francs by default.
• Swiss annuities are fully exempt from Withholding taxes(35%) imposed by swiss govt on foreign held swiss bank accounts.
• Your swiss annuity is not 'locked out '. You can cancel your annuity anytime or if you chose to en-cash your annuity within a year, you can do it by paying a small penalty. Your annuity is l00% liquid after first year.
• Swiss Insurance companies had NEVER failed in the past 140 year history, as switzerland forms the world's largest strong financial industry. Statistics say that about 35% of the world's wealth being held in switzerland. Thus your money is 'SAFE' in switzerland which is a very importantant factor you should consider.
• According to Swiss law, insurance polices, including Swiss annuities, when properly structured and beneficiaries named. Protection from creditors and bankruptcy forms an unique feature of swiss and your annuity cannot be attached or seized, and cannot be included in any bankruptcy proceedings. If annuity holder names their beneficiary as children, wife or third person, no creditors of holder or their beneficiaries or liens can attach your annuity held in switzerland, even if they are aware of your annuity in switzerland. If you worry about your assets being seized by creditors, plan atleast a year before to purchase a swiss annuity and name your beneficiary. Time is very critical and crucial.
• You can also designate your beneficiaries as 'revocable' or irrevocable' in your annuity.
• No forced repartiation of your investments held in switzerland and can be seized by your home country. Policies are subjected to strict exchange controls because there involves a contract between the investor and an insurance company.
• You will always receive payment, even if your annuities value is exhausted.
• You can switch to different currency of your choice any time.
• There is no limit for your investment in swiss annuity. However the minimum amount of your annuity is USD 25'000 which the most insurance companies demand.

A Swiss or Liechtenstein insurance policy will give you this extraordinary level of asset protection if it meets the following conditions:

• You have designated your spouse or descendants (i.e. children) as beneficiaries, or
• You designate anyone as an irrevocable beneficiary, and
• Designation of either beneficiary described in numbers 1 and 2 occurred more than six months prior to bankruptcy proceedings or the seizure of assets, and
• The designation of beneficiary was not made with the intent to damage creditors.

This applies even if a judgment or court order specifically orders the seizure of your policy. This all make Asset Protection Strategies an attractive and viable alternative to Anglo-Saxon trusts.

Swiss Franc (CHF) currency is the worlds safest and strong currency backed by 100% gold reserves. The biggest disadvantages with USD, EUR are they fluctuate a lot. Should you have denominated your investment portfolio to these currencies, the capital will fall in value. It is always a good idea to denominate their portfolio in swiss franc. Of course, you have full freedom for the currency of your own adapting to the fluctation. You have to wait for the best time to convert your funds, when USD falls in value to CHF. Our investment advisor would instruct you best on this.

Here are our standard investment plans, tailored specifically to different needs.

Offshore swiss annuities play an important role in your retirement, after death planning, estate and financial matters. The main purpose of the annuity is to provide you constant income as long as you live and after your death, the named beneficiaries may lead a prosperous and decent life. There are two types of swiss annuities 1) Fixed Annuity 2) Variable annuity. Fixed annuities demand a minimum investment of $25'000, whereas variable annuities require minimimum investment of $50'000 as demanded by the Premier swiss insurance companies.

• Comparison of offshore investment strategies?

For U.S Citizens

There is no need for US citizens to report swiss annuities to IRS in the Form 1040, as annuities are considered to be an investment and not a bank account.

Normally, IRS requires you to file Form 720 for 1% excise tax (which is 1% of premium paid) if you buy a foreign held annuities. But the recent tax treaty with switzerland eliminates this tax. But Liechtenstein insurance are not exempt from this. Please note that currently our variable annuity is with liechtenstein insurance company (see below).

If you plan to withdraw your payments before 59 1/2 yrs, IRS might penalise you to pay additional 10% of the taxed earnings. Please consult your tax advisor for more information.

• What is the difference between US annuity and Swiss annuity ?

• Qualification as a life insurance (insurance corridor)
• No self-direction
• Diversification rule
• No 'debt instrument'

For more information see:

• Fixed Annuity Plan
• Variable Annuity Plan

*For the variable annuity portfolio, returns are based on historic performance over five years, in part measured by index performance, that is, returns are indicative and cannot be guaranteed. (c) JML AG 1999

Our service

Our service is free with best advise and assistance on fixed or variable annuities, appointment of beneficiaries and maintenance of contract with premier rated Swiss insurance companies. We dont charge you any upfront fee.

SWISS ANNUITY APPLICATION >>

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