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The term “annuity” is derived from Latin and literally means “as of or pertaining to something annual”. In the context of investing, “annual” refers to an agreement between you and a third party to arrange for annual disbursements of funds in exchange for an up-front payment. In other words, an annuity is a form of investment that provides a series of future payments in exchange for the money spent on it.
Annuities are primarily sold by insurance companies, and several types of annuities exist. Every annuity has two noteworthy characteristics: whether the disbursements of funds are deferred or immediate, and whether the returns on your investment are fixed or variable. An annuity with an immediate payout structure begins disbursing your funds to you right after you purchase it, while deferred annuities make payments to you on a pre-determined time schedule starting at a future date. Fixed return annuities are similar to very low-risk securities, offering a guaranteed return on your investment. Annuities with variable returns vary in their payouts, their performance depending on the performance of portfolios where the money is invested.
Swiss annuities are just that – annuities that are a product of the Swiss insurance industry. They are usually denominated in Swiss francs, which provide inflation protection and a shield from government instability. Switzerland means safety, and when you invest in a Swiss annuity, you don’t only get protection from inflation, but also superior protection from creditors and bureaucrats. No Swiss insurance company has ever gone bankrupt.
In addition to Swiss annuities being safe investments, they offer a variety of features that make them into very sound investments. Swiss annuities offer much economic and legal stability that can enable one to diversify an investment portfolio, secure retirement income, perform an IRA rollover and benefit from asset protection. For Americans, 1035 Exchanges are possible.
If you wish to diversify internationally, invest in the insurance industry while maintaining high liquidity, protect your assets, or use Swiss annuities as a tax-deferred investment and build your own insurance plan, you should consider finding more information on Swiss annuities.
The premier source of Swiss annuities information being, of course, Gonthier Group SA, a good impartial source of Swiss annuity information is the Swiss Annuity Consumer Bureau. The organization publishes a brochure, titled “The Consumer’s Guide to Swiss Annuities”, which is a small handbook on Swiss annuities that can provide one with basic education on the subject.
We invite you to browse our website and find out how you can benefit from Swiss annuities and other retirement solutions.
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