Swiss Fixed and Variable annuities

Swiss Fixed Annuities

Fixed annuities issued by a top rated swiss insurance company, are primarily for those who do not want to take risks on losing their deposits. Fixed annuities, guarantee a minimum fixed rate, while holding the capital. They qualify for tax deferral and exempt from U.S excise taxes in case of US citizens. Fixed swiss annuity can guarantee you Technical interest @2.5% Dividends@ Variable (approx 1.8% not guaranteed)
Exchange rate @variable.

Fixed annuities are generally termed as 'no risk' investments, best suited for persons wanting zero risk at the time of retirement. There is a minimum investment of USD 20'000 for the fixed annuity we charge. We charge no upfront fee and our brokerage services for fixed annuity is free.

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Swiss Variable Annuities

Quite contrary to the fixed annuities, are the variable annuities. The more risk you take on your capital, the higher returns are guaranteed. Unlike fixed annuities, you have the considerable freedom, to choose your strategy portfolio of your own choice. There is no limits for the duration, but we recommend 5 yrs as a mininum term.

There are four types of strategies, you can choose from your variable annuity portfolios, depending upon your level of risk.

- Fixed Strategy ( Risk Level : low)
- Conservative ( Risk Level : middle)
- Balanced (Risk Level : High)
- Dynamic (Risk Level: Very High)

As your risk level goes higher and higher, you expected returns rise in proportion to the risk level. The more risk you take on your investment, the more returns are expected, but not guaranteed, but you have considerable freedom to chose your own choice of investment. Should your investment fall in value anytime, you can easily jump to lower fixed strategy having low risk level. Your variable annuity is always customisable with respect to your own choice and requirement.

We recommend minimum of USD 50'000 for variable annuity. There is no limit for your investment amount and your reference currency is Swiss Francs (CHF)

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For US investors, the variable annuities meets IRS code of tax deferral. Under Section 1035 of the Internal Revenue Code, a contract issued by a domestic or foreign insurance company can be exchanged on a tax-free basis for one issued by a foreign insurance company. Form 1035 is used for this purpose. If you choose to your cash values before 59 1/2 of age, IRS may charge you 10% penalty. During your phase of retirement, should your strategies are subjected to risks, you can jump from dynamic to fixed strategy to reduce risk. Should your chosen currency goes down in value, your portfolio has other currencies to compensate this downtrend.

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