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Swiss Annuity Investments Indeed!

You have chosen to preview investments from Switzerland, the world's premier financial center, preserver of the world's wealth for generations, and preferred by kings, presidents, monarchs and tycoons for decades. RetireMax thanks you for your patronage, and reminds you that this free information is strictly for personal investment use.

**Put some Oompf! into your retirement plan with Swiss annuity investments.**

In the spectrum of long-term global investments Swiss annuities are unique. A Swiss annuity strategy -- fixed or variable -- combines important features to give you powerful investment tools.

No Swiss taxes nor U.S. excise taxes

You can choose between guaranteed capital and earnings or market-linked returns, all free of Swiss taxes unlike traditional bank accounts.

Avoids Probate

Can be passed to heirs as beneficiaries.

Anonymity from governments and creditors

It is a violation of Swiss law for anyone to divulge the ownership or other details of an individual's account.

Protects against creditors

Swiss law confers special asset protection features to properly structured annuities and insurance policies.

Global diversification

Investments are offered in various denominations, allowing broad currency diversification.

Minimum of US$ 50,000

To receive a free investment proposal from Swiss insurance experts on the type of annuity best suited for your needs, please fill in your investment profile. Confidentiality is assured through a Secure Server in Switzerland. Allow two weeks for airmail delivery.

Swiss Asset Protection

Financial success makes any investor a potential magnet for litigation. Wealth has never been as vulnerable as it is today. Indeed, loss of assets through lawsuits and legal awards as well as government action is spreading all over the world. For global investors, asset protection is a guarantee against financial ruin.

For most people, the complexities of offshore trust solutions for asset protection can be daunting. Investors need to do a lot of homework to find the right offshore trust domicile for their needs. They have to know the privacy, tax, and fraudulent conveyance rules applicable as well as the legal framework for trusts. These vary with every domicile. For example, not every offshore center is the same with regard to taxes.

Swiss-style asset protection is simple. Swiss law protects properly-structured annuity contracts from bankruptcy proceedings and all future creditors. Swiss laws are designed to keep insurance proceeds safe and sound for you and your loved ones, and completely out of the reach of anyone else!

With their asset protection features, Swiss annuities can be the ideal solution for your retirement planning needs or as a supplement to any employer-sponsored retirement program.

Swiss Variable Annuities

A Swiss variable annuity is essentially a Swiss bank account wrapped in an annuity contract. By putting an annuity wrapper on a group of world-class mutual funds, clients can enjoy tax-deferred accumulation. It is a "variable" annuity (as opposed to a "fixed" annuity) because returns are not guaranteed, but you have considerable freedom to choose where your money goes. Like a mutual fund, you take on greater risk to get potentially higher returns. Unlike a mutual fund which may incur capital gain and investment income taxes each year, these Swiss variable annuities are sheltered from income and capital gains taxes during the accumulation period. If you die during the accumulation phase your heirs would receive at least 105% of your savings capital.

As with any portfolio, strategy is all-important. The strategy you pick has to meet your personal requirements and investment profile. A Swiss variable annuity portfolio can be constructed in four different styles: fixed-income, conservative, balanced and dynamic. All portfolios are globally diversified and follow strict diversification rules in accordance with U.S. law.

Swiss Fixed Annuities

With a deferred fixed annuity, the investor benefits both from simple compound interest and from an "income" insurance policy. Besides guaranteeing your capital, your earnings are guaranteed for the entire duration of your annuity with a so-called technical interest rate of 2.5% (not including insurance costs). In addition, a deferred annuity lets your capital grow by earning profit-sharing dividends until you decide to annuitize.

These annuities give you utmost flexibility. Your capital plus all accumulated interest and dividend earnings are freely accessible after the first year. You may redeem your annuity in full at any time or choose a lifetime guaranteed income if you desire. You can choose the denomination of your annuity -- Swiss francs (CHF), euros (EUR) or U.S. dollars (USD) -- and you always have the option to switch currencies at any time. Although no Swiss taxes are incurred, as with most foreign fixed annuities, U.S. income taxes accrue. Withdrawals, liquidations and payments, in part or in full, are, however, free of US penalties and taxes.