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Investments - One-off deposits in SF, US $
One-off Deposits - An investment for your future
• Through the selection of the investment fund with, in your assessment, the largest development potential, you can improve your performance opportunities.
• With a one-off deposit investment you can enrich your portfolio through one of the most secure capital investments.
 Your one-off deposit investment will also enjoy legal privileges. Associated keywords are beneficiary clauses, bankruptcy privileges and disclaimer of inheritance.
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The reasons for a one-off deposit investment
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Death protection from the beginning of the one-off deposit investment
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The one-off deposit investment also protects your family-members.
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Better risk management of the invested capital by investing part of the assets in a single premium investment.
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Better returns achieved through asset investments in a single premium investment.
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Your Investment Policy - Our Approach
Select your investment policy
Security
Share Assets
Performance
Flexibility
Transparency
Tax-Relief Eligibility
Insurance Protection
Risk Management
Cost-Effectiveness
Tax-Effectiveness
Liquidity
Policy Loans
Mortgaging
Buy-Back
Beneficiary Clauses
Disclaimer of Inheritance
Risk Coverage
Law of Succession Benefits
Bankruptcy Privileges
State Supervision
Security: Switzerland is still one of the most secure investment markets in the world. With your one-off deposit investment, you are investing in the investment fund of your preference. 
Share Assets: Your one-off deposit investment is a capital investment with a high profit potential.
Performance: The money of several investors will be brought together into the investment fund. Thanks to the fund assets of a large number of investors, you will benefit from the following advantages:
• Connection to the worldwide financial markets
• Professional investment management
• Watertight supervision
• Detailed Information
• Broad spread of investments
• Low costs
The investment policy combines a good profit with stable, long-term security.
Flexibility: The distribution of your investment into the investment funds chosen by you and the possibility of switching funds can increase your profit opportunities.
Transparency: You can follow the development of every individual investment fund in the economic section of the newspaper.
Tax-Relief Eligibility: The total value growth is exempt from income tax and withholding tax, provided that legal guidelines are adhered to.
Insurance Protection: During the investment period the one-off deposit investment guarantees a minimum level of death protection.
Risk Management: By taking out a one-off deposit investment you are purchasing directly into the relevant investment portfolio and you then benefit fully from our investment expertise. The distribution of investment funds clearly shows that the criterion of "security" is highly valued. In a one-off deposit investment the total value growth of the investment fund always belongs to you - and without any strings attached. Higher earnings yield a correspondingly higher payment and lower earnings a lower one.
Cost-effectiveness: A one-off deposit investment is not only cost-effective for you, but it is also a straightforward capital investment for you. Our investment specialists free you from all those investment problems such as the constant monitoring, the implementing of various steps and the taking of decisions etc. Therefore you save time and money.
Tax-Relief Eligibility: (Applies to tax-eligible people in Switzerland)
Irrespective of the investment fund in which you placed your investment, one-off deposit investments for provision purposes are eligible for tax relief. If this aspect were to be incorporated into the profits consideration, then interest dividends must yield between 6% and 8% at corresponding marginal tax rates to achieve the same result with comparable security. The higher the progressive tax rate, the larger the tax-relief.
From a tax point of view the one-off deposit investment is dealt with as follows in nearly all Swiss cantons: The capital value of the one-off deposit investment must be taxed as an asset. The investment fund return contained in the one-off deposit investment is exempt from income tax and withholding tax. So that you can benefit from the tax advantages, the insurance must be taken out for a minimum period of five years and when it pays out a final age of 60 years must have been reached.
Liquidity: Your one-off deposit investment also has large advantages in the case of liquidity shortages. Your one-off deposit investment is not only a capital investment with a good rate of return, but it can also become an effective financing mechanism through the possibility of future-financing payments and mortgaging.
Policy Loans: Up to 70% of the buy-back values of your policies are available to you as a corresponding loan at any time. To avail yourself of this, the valid loan rate of interest at a certain moment in time applies, which in comparison to other secured loans can be described as favourable.
Mortgaging: You can deposit your one-off deposit investment at any time in a financial institution as security. The banks regularly allow a loan of 70% of the current buy-back value of the policy.
Buy-back You can request the buy-back of the one-off deposit investment at any time. The request is to be submitted in writing. The buy-back value consists of the share assets and the not yet used risk and cost premiums.
Beneficiary Clause: You can easily and free of charge modify the law of succession regulation as stated in the Civil Law Code by setting up a beneficiary clause. The beneficiaries specified by you will receive the insurance benefits solely due to the insurance beneficiary clause. You can modify this at any time. When a particularly high level of security is demanded, the beneficiary clause can also be carried out irrevocably.
Disclaimer of Inheritance: If the beneficiaries are spouses, or offspring with a legal inheritance right or other close relations, the insurance claim also devolves upon you if they disclaim or do not enter into the inheritance.
Risk coverage: The one-off deposit investment is not only an outstanding capital investment as it is also simultaneously a real insurance. In the case of the death of the insured party the complete insured sum is immediately paid out plus together with the accumulated surplus shares.
Law of Succession Benefits: : By setting up a beneficiary clause you can modify easily and free of charge the law of succession regulation as stated in the Civil Law Code.
Bankruptcy Privileges: The one-off deposit investment also has a bankruptcy privilege, as is the case with every other life insurance policy, provided that the wife and/or children of the insured party have been appointed as beneficiaries. This refers to Article 80 of the Insurance Contract Law.
State Supervision: The state exercises its monitoring functions for your personal protection as an insured party. No other private institution, to which money is entrusted, offers you this crucial benefit since only life insurance companies are subject to such a strict, clear legally-regulated monitoring by state bodies. This signifies a high degree of security to the customers and this also applies to you and your long-term capital one-off deposit investment.
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