BFI Consulting - Page 4

Typical Forms of Annuities Fixed Swiss annuities. This proven and solid product offers a projected, i.e. a “fixed” value accumulation schedule made up of a guaranteed yield and profit-sharing dividends. This kind of annuity certificate provides a safe, no-surprises retirement planning vehicle. The underlying assets are invested conservatively and directly by the insurance company according to guidelines set by the Swiss Insurance Supervisory Agency. .Depending on the currency denomination chosen, returns will be around 3% to 4.5% per annum.. Recent innovations have added new and attractive features to the more traditional fixed annuities. The most dominant features are a larger selection of worldwide currencies and uniquely designed professional currency management options. . Variable Swiss annuities. In general, the underlying assets of a variable annuity are invested in a selection of linked mutual funds - thus the variable annuity is also referred to as a unit-linked annuity. Depending on the client's preferred investment strategy (or risk/return preferences), an adequate mix of mutual funds is selected. Returns will depend on the performance of the mutual funds selected.. Private portfolio bonds. Portfolio bonds, also referred to as personal insurance wrappers, combine the best of two worlds -- flexible and timely asset management with offshore insurance protection. Under the “umbrella” of an life insurance policy or annuity, which can be structured to accommodate the specific requirements of the investor's tax domicile, an individually tailored investment strategy can be deployed. Upon request BFI Consulting will provide you with a personal consultation and, where applicable, prepare quotations tailored to your specifications and requirements in order to help you select the most favorable program.

Why Switzerland? Stability, continuity, balance, common sense, true democracy. Switzerland has a record of being one of the most reliable and secure countries in the world for the preservation of wealth. Its freedom of trade and commerce, political stability and the strength of its currency, as well as its sophisticated financial system, continue to make it an ideal center for foreign investments. Political History. This small federal democracy in the heart of Western Europe dates back as far as 1291. The Swiss Constitution, adopted in 1848, grants the people the right to participate in decision-making by means of initiatives and referendums. Switzerland is a true democracy. This democracy and the federal constitution have been key factors in the country’s political stability. Swiss Financial Services. Swiss financial services for private investors undoubtedly are at the top of the list. Why is it that the most wealthy people in the world have their assets deposited and managed in Switzerland? . The Swiss Franc. Switzerland is one of the very few countries that have not restricted the buying and selling of their currencies in the past 40 years – sufficient proof that money invested in Switzerland will remain safe and within reach. . Although the Swiss Franc and the U.S. and Canadian Dollars continually fluctuate in relative value, the long-term trend has favored the Swiss Franc. Over the last 30 years. The Swiss Franc has appreciated by a factor of 3 relative to the U.S. Dollar since 1971. . Low Tax Burden. Switzerland has one of the lowest rates of taxation and social security contributions of all the industrialized countries.