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Author : Marco Gantenbein,Mario A. Mata Publisher : John Wiley & Sons Page : 354 pages File Size : 43,8 Mb Release : 2008-03-31 Category : Business & Economics ISBN : 9780470282182
Swiss Annuities and Life Insurance by Marco Gantenbein,Mario A. Mata Pdf
Swiss Annuities and Life Insurance examines the key characteristics of Swiss annuities and life insurance, and explains how the use of these products can help you achieve asset protection, growth, and, in some cases, significant tax planning opportunities. Swiss annuities and life insurance are an excellent alternative investment, particularly for high-net-worth individuals. With this expert guidebook, you too will learn how to safely capitalize on these attractive products.
Switzerland's pension system has attracted considerable attention, mainly due to its reliance on a three-pillar structure. A relatively small pay-as-you-go system (first pillar) is complemented by a mandatory, employer-based, fully funded occupational pension scheme (second pillar). The main goal of this paper is to provide a detailed description and analysis of the Swiss pension system. Particular emphasis is placed on the second pillar and its role in the provision of old age benefits within the Swiss social security system. The paper shows, for example, that a typical individual with an uninterrupted career can expect a net (after-tax) replacement rate of at least 70 percent. Occupational pension plans are highly regulated. Minimum interest rate requirements and minimum conversion rates (at which the accumulated retirement balances are transformed into annuity streams) introduce many elements of defined benefit plans into notionally defined contribution schemes. The resulting money's worth ratios are very high (with the exception of single males). Switzerland also has a high annuitization rate by international standards (approximately 80 percent). However, due to high fragmentation of the scheme and non-uniform accounting practices, some aspects of the system are not very transparent. The paper sheds light on the financial health of the pension system and theevolution of the regulatory framework in the past two decades.
This intriguing book shows how to successfully expatriate one's funds, assets, and even oneself and one's family, for safety, profit, privacy, and an inexpensive, better life. The idea of moving to a new country has always been of interest to adventurous beings who relish the notion of basking in a beautiful place where one can live like a king for dimes on the dollar. The dream is achievable, but only if you first safely move your assets. That is what Freedom Without Borders: How to Invest, Expatriate, and Retire Overseas for Personal and Financial Success is all about. Written for anyone seriously concerned about strategies for protecting assets, as well as lifestyle, this comprehensive guide covers everything one needs to know to do that successfully outside of the United States. The book focuses on personal finance considerations for those contemplating moving or investing abroad, rather than on culture aspects of such a decision. It presents specific alternatives for finding—and shifting assets to—an ideal haven, showing readers how to protect personal wealth even as they discover a freer, more peaceful way to live, invest, and/or retire.
In Secrets of Swiss Banking, offshore financial specialist Hoyt Barber shows how to protect your hard-earned assets by safely and legally moving your money into trusted Swiss financial institutions. Along with timely banking advice and solid investment insights, Barber provides authoritative information on a variety of Swiss banking-related issues—from the basics of opening an account to the nuances of numerous Swiss banking and investment strategies. He also details Swiss banking policies and regulations along with U.S. tax and reporting requirements.
International Real Estate Handbook by Christian H. Kälin Pdf
This book presents a comprehensive reference for real estate investors everywhere. Covering the unique real-estate situations in seventeen key countries, including the United States and Europe, it offers a unique international overview of the real estate market.
Author : David Falkayn,Swissinvesting Com Publisher : The Minerva Group, Inc. Page : 117 pages File Size : 46,5 Mb Release : 2002 Category : Bank accounts ISBN : 9780894992032
Swiss Bank Accounts and Investment Management by David Falkayn,Swissinvesting Com Pdf
This book is written for the serious person of means who wants safety and performance from invested wealth. No matter where you live or what economic and political hazards your country of residence presents to investment you owe it to yourself to consider Switzerland as the place to put your hard-earned money, especially in the Swiss insurance annuity. In my experience a comparison of the Swiss annuity with more traditional forms of asset protection shows that an annuity can serve the same function as trusts or similar legal devices but produces a far greater return for your money with complete safety and less complexity. Here we are concerned with personal wealth, its creation, expansion and preservation. In that context it is not understatement to describe the Swiss financial system's unequaled world record as unique in combining investor safety with assured earnings. Thoughtful people who value financial freedom and asset protection know this well. The question is why any serious foreign investor fails to avail himself of the many benefits of the Swiss system. The answer is; the serious investor never fails! Every person should plan for the important aspects of their financial life. One major area is estate planning which hopefully will insure that at the time of death property passes without incident according to the deceased's wishes. The second area is lifetime financial planning which seeks to build and manage an investable estate to provide assets and income. The third area, the one I will address, is asset protection, an indispensable element without which the other two can be rendered meaningless. This is one of the first books to discuss the portfolio bond, an insurance product offered by companies in Switzerland, which offers significant asset protection, tax and privacy advantages for American investors.
Filled with in-depth insight and expert advice, Tax Havens Today arms you with the knowledge, strategies, and contacts needed to avoid expensive mistakes and make the most of your offshore endeavors. Divided into four comprehensive parts, this timely resource will bring you completely up to speed on a variety of issues that anyone aspiring to go offshore must be familiar with.
Switzerland Business & Investment Handbook by Christian H. Kalin Pdf
The Switzerland Business & Investment Handbook covers all key aspects of conducting business, investing and living in Switzerland. It is a unique reference manual featuring over thirty separate chapters, each of them concise and to the point, providing the information that really matters. Besides an introduction to Switzerland's historical, political, social and economic framework, the book covers the Swiss legal system, company and contract law, intellectual property law, personal and corporate taxation, VAT, international tax aspects, real estate, residence, the social security and pension system, Swiss annuities and life insurance, corporate and private banking, and other important subjects. Overview tables, useful checklists, portraits of the Swiss cantons, a bibliography, a comprehensive facts and figures section, as well as a clearly organized address section, make the handbook user-friendly and practice-oriented. The book is aimed at: Company executives who wish to have a clear overview of the legal, tax and economic framework in Switzerland Investors and entrepreneurs interested in investing and doing business in Switzerland Tax and legal advisors, business consultants and fiduciaries English-speakers living, working or doing business in Switzerland
NOTE: This book is all-original and all-unique content.
The U.S. dollar is on the verge of catastrophe.
For the first time in history, the debt of the most powerful government on Earth, leading the world’s largest economy, has been downgraded by Standard & Poor’s to Double AA from a perfect Triple AAA.
The political grandstanding of the Republicans and Democrats over the debt ceiling made many Americans and others around the world doubt our leadership. And many feel the final deal between doesn’t go far enough to reduce US government spending.
US government debt now equals the country's Gross Domestic Product (GDP). That's like you or I owing an entire year of our incomes to Mastercard and Visa.
The 2007-2009 financial crisis appears to have been the first step toward a deflationary depression that could destroy the savings of three generations of Americans. We’ve technically been “recovering” since March 2009, but despite all government and Fed actions to stimulate the US economy, unemployment stubbornly remains over 9%.
That is, unless the government’s massive cash creation unleashes a wave of hyperinflation.
The US dollar has recently hit new record lows against the Japanese yen and Swiss franc, despite massive interventions by the central banks of those two countries.
China has divested itself of 97% of its holdings of short-term US Treasury bills. That happened by March 2011, well before the current downgrade.
China still owns many billions of US dollars of long-term Treasury bonds and is clearly worried about the future. They are making a big show of supporting Europe’s economy, so they have an alternative to the US dollar. What is wrong with us when the biggest Communistic country on Earth has to lecture us on how to manage our currency?
How much longer will China, Japan and international bankers continue to buy U.S. Treasury bonds to finance our swelling budget?
If these countries began selling US dollars instead of buying, the hyperinflation would bankrupt America
We – and Europeans – are also threatened by the debt problems of Europe. Greece nearly went up in flames over austerity measures forced on that country. Italy, Spain, Portugal and Ireland are also in bad shape. How long will France and German taxpayers continue to support them? If the euro breaks up, that will create more financial instability for the entire world.
Gold recently hit a record high of $1,813 per ounce.
I can't tell you exactly what is going to happen in the treacherous foreign exchange and financial markets in the future. Maybe another recession - the double dip some have been predicting since April 2009. Maybe deflation leading to a horrific depression. Maybe hyperinflation. Maybe a total collapse of the world's financial markets and infrastructure.
All I know for sure -- and every day's headlines confirm this -- is that the future for the US dollar, euro and other fiat currencies looks dark and ugly.
Bring on the Crash! offers a 3 part process to protect yourself and your family from these dangers.
Whether you have $2,000 or $2 million, this volume contains the resources you need to make sure you weather the coming storm.
This 3 step process is a comprehensive plan to survive almost all financial emergencies the US dollar is now facing.
And if we never fall through the thin economic ice the United States is now skating on, you'll still benefit from diversifying your retirement portfolio.
