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swiss annuities Comparison
Difference between US and Swiss annuities
| U.S Fixed Annuties | Swiss Fixed Annuities | |
| 1. Privacy | no | yes |
| 2. Asset Protection | no | yes |
| 3. Diversification | no | yes |
| 4. Investment Choice | no | yes |
| 5. Liquidity | no | yes |
| 6. Tax deferral | no | yes |
| 7. Multi Currency choice | no | yes |
| 8. Currency switch | no | anytime |
| U.S Variable Annuities | Swiss Variable Annuities | |
| Asset protection | no | yes |
| Privacy | no | yes |
| Full diversification | no | yes |
| Hedge against dollar decline* | no | yes |
| Tax-deferral | yes | yes |
| Flexibility | yes | yes |
| Choice of investments | yes | yes |
| Liquidity(* unless invested in foreign currencies) | yes | yes |
| Multicurrency choice | no | yes |
Comparison of offshore investment strategies
| Investment | Individual investment strategy |
Asset protection |
US Tax-deferral | Exempt from US withholding taxes |
| Foreign bank account | yes | no | no | no |
| Foreign fixed annuities | no | yes | no | yes |
| Foreign variable annuity | yes | yes | yes | yes |
Swiss bank account vs Swiss Annuity
| Swiss Annuity | Swiss Bank Account | ||
| Asset Protection | yes | no | |
| Creditor Protection | yes | no | |
| Secrecy | yes | no (Currently no real privacy for swiss bank accounts) | |
| Swiss Income Tax | no | no | |
| Swiss Withholdding Tax | no | yes | |
| U.S Income Tax | Swiss Fixed Annuity
- yes Swiss Variable Annuity - no (variable annuities only. enjoys tax deferred growth) more info |
yes ( US citizens would require to report to IRS on Form 1040 on any foreign held bank accounts.) | |
| U.S Withholding Tax | no (Since there is no investment in U.S securities) | no (most swiss banks dont allow U.S citizens to invest in U.S securities) | |
| U.S Excise Tax | SwissIinsurance - no IRS requires you to file Form 720 for 1% excise tax if you buy a foreign held annuities. Recent tax treaty with switzerland eliminates this tax. But Liechtenstein insurance are not exempt from this. |
- | |
| EU Savings Tax Directive | no | yes | |
| Growth | yes (diversified choice of investments can go upto 17% depending upon risk you take) | yes (depends on banks interest rate 2-3%) | |
| Depository Institutions | Swiss Insurance Company | Swiss Bank | |
| Asset Protection | yes According to Swiss law, swiss annuities, when properly structured, your annuity cannot be attached or seized, and cannot be included in any bankruptcy proceedings. | no | |
For more information please refer our Frequently Asked Questions(FAQ's) section. Should you have any questions of general category, please do not hesitate to Contact Us.