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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.
This publication helps policy makers to better understand annuity products and the guarantees they provide in order to optimise the role that these products can play in financing retirement. Product design is a crucial factor in the potential role of annuity products within the pension system, along with the cost and demand for these products, and the resulting risks that are borne by the annuity providers. Increasingly complex products, however, pose additional challenges concerning consumer protection. Consumers need to be aware of their options and have access to unbiased and comprehensible advice and information about these products.
In the 1990s many emerging economies in Central Europe and Latin America initiated their pension reforms. While most analysis to date has focused on the accumulation phase, there are a number of lessons to be shared as countries start to prepare the retirement options for their contributors, with this book addressing these issues from a public policy perspective.
The Pension Crisis concerns the changing demographic profile of the economy: an increasing number of elderly persons supported by fewer young people. Governments around the world are responding to this impending crisis by shifting their pension policies away from pay-as-you-go systems towards individual savings schemes. These savings need to be converted into a pension at retirement, and annuities provide this function. This book is a comprehensive study of annuity markets. The book starts by outlining the context of public policy towards pensions, and explains the different types of annuities available, focusing on the UK which has the largest annuity market in the world. It examines how annuities are priced, and describes the techniques of mortality measurement. As a background, it provides a history of annuities, and the experience of annuity markets in a number of other countries. The book outlines the economic theory behind annuities, and explains how annuities insure consumers against longevity risks. It goes on to describes how annuities markets function: how they work, and whether they are efficient, leading onto a discussion of the annuity puzzle. The book concludes by discussing the regulatory framework, assets available to back annuity liabilities, and recent developments in annuity markets.
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.
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.