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For customers who wish to invest capital over $ 100 000 to long-term (12 to 24 months) Overseas First Federal offers very affordable interest rates. In these cases, the interest must be agreed on signing the contract with the President of the company according to the amount and term of the deposit.

Safe investments with Overseas First Federal. Overseas First Federal invests exclusively on the positive indicators ranging In the last 10 years In any case the capital invested is guaranteed.

Lifestyle Portfolios

As you move through life, what you want from your investments can change.

Our four Lifestyle Portfolios are designed to meet your investment needs in different circumstances and at different stages of your life. With four very different portfolios to choose from you can adapt your investment strategy as your life and circumstances evolve.

Lifestyle Portfolios at a glance

• Four investment portfolios designed with flexibility to suit your needs, wherever you are on your financial journey
• Multi–manager, multi–fund, multi–asset class approach spreads the risk and broadens your opportunities
• All portfolios available in sterling, a selection available in US dollar and euro
• Competitive Annual Management Charge (0.75% per annum of the value of the portfolio for Income, 1.35% per annum for Aspire, Build and Shelter portfolios, subject always to the minimum charges as set out below)
• Modest Establishment Charge if the funds invested are less than USD 500,000 (or currency equivalent) then a 1% establishment charge will apply
• Minimum investment USD 100,000 or currency equivalent. Top-ups and withdrawals from USD 10,000 minimum (for additional investments an additional 1% charge of the additional monies will apply if the sum of the current value of the portfolio and the additional funds is less than USD 500,000 (or currency equivalent)
• Dedicated point of contact
• Expert advice from our professionally qualified financial advisers

Investors who want a decent return from a relatively safe investment use money market funds. The investments are typically liquid, meaning you can usually get your money out within a few business days. By using Overseas First Federal's you warrant the safe investment to yours savings.

Overseas First Federal takes a prudent investment policy.

The capital invested by different methods with Overseas First Federal investment never exceeds the limit (% of share capital), determined by the Statute, which is' based on a very careful and prudent financial policy. In this way, can always guarantee availability of money to its customers at any time even on the long-term investment accounts.

Offshore Investment Tips

Offshore investment involves depositing your money in a foreign jurisdiction. Many people prefer to invest their money offshore because they want to reduce their tax burdens. Usually, countries with poor tax regulation are tax havens for foreign investors. The loose tax regulation aims to attract wealthy foreign investors. Investors are protected from heavy tax burden when they set up a corporation in the offshore country. Because the offshore corporation did not take part in any operation, you will not be charged with tax. When you invest in offshore banking, you can get higher interest rate in return. The interest rate in the local banks is usually low. If you deposit your money in offshore bank, you can get 5 – 8% of interest rate. Offshore investment requires a specific amount of capital. You also have to pay several bank fees.

Offshore investment allows you to restructure the asset ownership. The ownership of the wealth can be transferred easily to another foreign legal entity through trusts and foundations. People who are worried about the confiscation of their assets can choose to transfer it to an entity situated in a foreign country. Through the on paper ownership transfer, you will not be subjected to confiscation of the personal asset in your local country.

Many offshore jurisdictions abide by the secrecy legislation. This means that your financial information will never be revealed by officials in the offshore country. If the official breaches the confidentiality, he can be sued by the client. For example, the offshore bank official is not supposed to divulge the identity of the client. Some offshore jurisdictions forbid the disclosure of the identities of the shareholders. It is very important for the foreign investor to keep his identity as secret. Many wealthy investors don't want the public to know the stocks they are buying.

Citizens of certain countries have limited opportunities in making investment internationally. If you want to diversify your investment portfolio, offshore investment will suit your needs. Developing countries that privatize sectors are offering many investment opportunities to the foreign investors.

Offshore accounts can be expensive to set up so you need to prepare a big capital. You may need to start an offshore corporation depending on your investment goals. Some of the fees involved in opening an offshore account include legal fees, corporation registration fees, and etc. The offshore jurisdiction can also require you to invest a minimum amount of one hundred thousand dollars to one million dollars.

Offshore investing is quite safe so there is nothing you should worry about. There are several offshore countries that offer secure investments including Saint Vincent and The Grenadines, Dominica, Bahamas, Bermuda and Isle of Man. Research shows that about 50% of the world's assets are invested in offshore tax haven jurisdiction. You should hire an investment firm to arrange the offshore investment process. Before investing, it is important that you seek advice from an investment advisor. It is recommended that you get help from attorney that specializes in asset protection. Offshore investing is not suitable for everyone because everyone has a different situation. As a conclusion, offshore investments benefits worth more than the costs and risks. Just like any investment, you are advised to carry out a good research before investing in an offshore country.

Why choose Saint Vincent and not Switzerland

The United States is in dire need of tax revenue, and doesn't much care about Swiss banking tradition, if it stands in the way of finding those U.S. citizens who owe the IRS money. For centuries, Swiss banks were the stuff of legend, literature, and screen. Everyone knew that if you wanted to hold money securely out of sight, whether you were a secret agent, war criminal, or tax cheat, you'd stuff it under your overcoat and head to Zurich.

Of course, there are thousands of legitimate account holders in Swiss banks, and the overwhelming majority of them certainly are, but they're not the ones that concern U.S. authorities. It is the drug dealers, money launderers, and other tax evaders that continue to pump money into the Swiss financial system every year in a quest to avoid paying "their fair share" of U.S. income taxes.

Recently, Great Britain and Germany came to terms on a new account disclosure and withholding policy with the Swiss that would allow authorities in those two nations to address concerns over tax evaders, by agreeing to tax interest income earned on accounts whose holders are German or British, and withhold that money for disbursement to the appropriate authorities. Germans citizens have a chance to make a onetime tax settlement payment of between 19% and 34% of their account's value to avoid future penalties. Brits can avail themselves of a similar arrangement. Even that is a huge step for a country who codified traditional bank secrecy rules and imposed severe criminal penalties for their violation.

The U.S. however, is demanding even more. Although the Swiss have agreed in principle to something resembling the German and GB account holder regulations, that;s not enough for U.S. authorities. They are seeking a solution that would be quite at odds with Swiss financial laws, and don't seem to care if said laws must be bent, broken, or changed in order to get the information they're seeking.

U.S. Deputy Attorney General James Cole reportedly sent a demand to Switzerland's second largest bank, Credit Suisse, for delivery of detailed records on all the institution's U.S. account holders with more than $50,000 in deposits by Tuesday, September 6th. In effect, the U.S. is saying "We don't care if you have to break your own laws in order to satisfy our demands, you better do so, or else." The "or else" in this case is a $2.6 billion fine sought by U.S. regulators as a price for failure to meet the information demand.

Head of the Swiss Bankers Association, Patrick Odier, commented on the United States regulator's heavy handed approach to the matter in a news conference on Sunday, saying "There cannot be an ultimatum. Friendly states must have a will to negotiate," adding the country can't simply violate their national legal statutes simply because the U.S. demands they do so. "I am sure that the United States understands that we are not a banana republic and that we want to defend our legal order just as America also wants to do and that is why I am hopeful that a solution is possible." and that "The solution must be globally applicable, be definitive and correspond to existing Swiss law," Switzerland already came under fire for previously revealing the names and other details of over 4,400 account holders at the country's largest bank, UBS. UBS was also forced to pay a $780 million fine in the case, which was the first to force the Swiss to reveal such details on their banks' account holders en masse.

Swiss politicians were highly critical of the U.S. strong arm tactics, with one parliament member saying "The move of the U.S. is unacceptable," and Swiss government spokesman Mario Tuor said "We are looking for a solution based on existing laws" The U.S. and Switzerland has a double taxation agreement in place, but it has yet to be ratified by the U.S. congress. The Swiss currently view the taxation situation differently for Swiss citizens, recognizing the difference between tax avoidance and tax evasion, but eliminated that distinction in 2009 for foreign account holders. Although the U.S. markets are closed for the Labor Day holiday, Swiss bank stocks were mixed Monday on the news, with UBS AG (NYSE: UBS) down slightly, .07%, in after hours trading after taking a 3.83% slide in Friday's session. Credit Suisse Group (NYSE: CS), on the other hand, was up a similar amount, after taking serious beating on Friday, falling 4.20%to $27.38.