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Unless you've registered your foreign investment account correctly from the start you have restricted, limited or even blocked from investment choice overseas.

We will show you how to follow a U.S. Treasury, Internal Revenue Service and FATCA valid path which has been created for you to open an offshore account which has unlimited rights to global investment choice. We show you how to have an overseas investment account so that you will be able to purchase from overseas any bankable investment that is registered, regulated and is from a recognized securities market.

What that means is you can invest from overseas as a deemed professional investor and as a foreign resident who is not a U.S. person.

If you search around on the web, you will find that there are many companies offering Self-Directed IRAs. You will find little actionable information on government regulated, registered and recognized foreign retirement funds, investment accounts or brokerage accounts. You will find those who want to sell you overseas bank account, overseas brokerage account but passive income overseas subjects you to pay annually a 36.9% tax and requires filing IRS Form 8621 which no layman can understand.

A Self-Directed IRA is where you place your IRA with a IRS registered trustee custodian and he agrees to take your suggestions and investment requests. Some plan trustee's will refuse to make transfers outside the USA. In regards to a U.S. investment advisor they would have liability if your investments go south because FINRA rule 3040 has restrictions that prevent dealing in investments outside of his firm. It is his responsibility to advise investments and he is either not capable or not willing to perform the due diligence necessary to make an informed decision on a foreign investment.

Legal difference between a distribution and a contribution:

Combining two different legal transactions. One transfer is completely neutral because it is a transfer to a self-directed IRA Trustee, and that is not treated as a distribution. The second transfer is treated as a contribution. Therefore, so long as your transfer overseas is constructed properly, there is no distribution tax problem.

Whether there is a Double Tax Agreement (DTA) or not makes no exception to this U.S. domestic tax law. Therefore, if someone were to say, “That the DTA says the transfer is not a deemed distribution” then that statement is incorrect.

A DTA is not designed for international pension transfers it is designed to deal with transfers within a jurisdiction between qualified plans. For example: A transfer from a U.K. pension to a Malta pension (the U.S. has a DTA with Malta) from the U.S. tax point of view you have caused an event that has crystallized your rights and that causes a tax charge. The U.K. calls it a Benefit Crystallization Event (BCE).

Once the structure is in place, you can invest as you see fit. The only limitations are:

• No collectables
• No life insurance policies
• No self-dealing – you must invest for the benefit of your IRA and not take out any money other than as scheduled distributions
• You may not invest in a business if you own more than 50% of the company or you are a highly compensated employee of the business

The Rules

Remember that you are managing the investments for the benefit of the IRA and must always do what is prudent for a retirement account. You must also manage according to IRC 4975 investment restrictions, disqualified persons, prohibited transactions rules to include your not being considered by the IRS as being your own custodian. A violation of IRC 4975 would void the tax benefits.

In a Self-Directed IRA the Trustee takes on IRC 4975 responsibility

One simple key to success is to avoid self-dealing. You must have a U.S. IRS approved IRA custodian / trustee between you and the IRA. Additionally:

• You can’t borrow from the plan
• You can’t pledge your IRA as collateral for ANY purpose
• Debt must be through a non-recourse loan
• Your custodian must provide an annual valuation of the IRA, an annual report to IRS, and handle State filings as necessary
• You are prohibited from investing in life insurance contracts and “collectables” such as rugs, works of art, stamps and coins
• You may not lend to any disqualified persons, such as your immediate family or a business if you own more than 50% of the stock or are an officer, director or highly compensated employee of that entity.

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One of the biggest robberies in the history of mankind is happening right now. Strangely, few seem to notice. Maybe that’s because the perpetrators are wearing suits and ties instead of ski masks. They use complex economic jargon instead of guns. And the media treat them with respect. None of this changes the nature of their actions. They’re still taking without consent. The result is no different than if a thief picked your pocket. Here, though, most victims don’t even realize they’re victims. The most prominent victims are retirees.

Retirees depend on the investment income earned from their life savings to pay the bills. The amount of income generated depends on interest rates. You see, market forces don’t set interest rates. A politburo of central planners—who call themselves central bankers—set them. The Federal Reserve is the US’s central bank. Central banks make the absurd claim that they operate independent of politics. In reality, they’ve always existed to please politicians. Their actions usually come at the expense of prudent savers. For years the Fed has set interest rates lower than they would have been absent its intervention. It does this in the mistaken belief that it will benefit the economy by boosting spending. But encouraging spending just for the sake of spending isn’t sound economics.

Debtors also benefit because lower interest rates mean lower interest payments. And there is no bigger debtor on the planet than the US government. Artificially low interest rates pump massive distortions into the economy. The results are disastrous for retirees.

Back in the year 2000, a five-year certificate of deposit would pay out about 6%. If you had $1 million, you could generate $60,000 per year with little risk. Fast forward to today. The average CD now pays a meager 1.5%. You now need $4,000,000 in retirement savings to generate that same $60,000 in annual interest income.

Saving money is four times harder than it was just 15 years ago, and the Fed is the culprit.

The Fed is siphoning money from savers by setting interest rates lower than what the free market would. It’s an enormous—but hidden—wealth transfer from savers to debtors. It amounts to one of the biggest swindles in world history. But you don’t have to be a passive victim. If you take a global view, you can escape the Fed’s shakedown. Foreign investments can have higher yields and better risk/reward profiles. Though chances are good that one of the big custodians—like Fidelity or Schwab—holds your retirement savings. This is a problem because they put strict limits on what you can invest in. It’s like an investment straitjacket. Foreign investments likely aren’t on the menu.

There is no reason at all that it has to be this way, though. An individual retirement account (IRA) can be set up to invest in pretty much anything in the world. It can open an offshore bank account and invest in higher-yielding CDs. It can own foreign stocks, foreign bonds, and foreign mutual funds. It can own physical gold stored abroad. It can invest in private companies. It can own foreign real estate and reap attractive rental yields.

There are almost limitless possibilities. The world is your investment oyster.

Structuring your IRA this way breaks the investment straitjacket imposed by the large custodians. It’s key to giving you more options with your retirement savings. It gives you a means to resist the Fed’s war on savers. Getting set up is not difficult or expensive. But it’s not something you can do on your own. You’ll need to help of competent professionals.

Request the 402(b) Asset Protection White paper.

Occupational retirement plans are registered as FATCA exempt on reporting and withholding and IRS Recognized Tax Deferred

Individual tax reporting is streamlined and simplified making for a DIY (do it yourself) filing.

By government and governance recognized

• FATCA
• DTAs
• TIEAs
• GATCA
• O.E.C.D.
• Common Reporting Standard

Off the Shelf Domestic plans just don’t work, also they have built-in participation requirements and Funding limits.

We achieve tax compliance at both the institutional and individual level and most importantly Pension law overrides tax law and securities law.

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1) Cornhill Zero Load Securitization Fund (ZLSF): This is effectively a corporate bond in Cornhill B Class shares. It secures future income at a substantial discount. The fund pays a return of between a minimum of 8% pa and 12% pa (paid out as a quarterly coupon). 25%Allocation

2) Global Equity Fund - Managed by Cogent Asset Management which is led by a British mathematician, Ian Lancaster. The fund uses an algorithm style of management which is designed to remove human emotion (EG: fear and greed) from the stock picking process. Since launch it has outperformed 95% of all peers in the Morningstar Global Category - Global Equity funds, from a total number of 3,478 other funds. In the Morningstar Shariah index it has beaten 100% of all funds in the peer group since launch. It is also an 'ethical' fund (no arms, tobacco, alcohol or gambling) and it is also fully Shariah compliant. There is a 5,4,3,2,1 exit fee in the first 5 years, giving an average growth of around 12% pa for the last three years! 25% Allocation

3) Providence Brazilian Factoring Fund - Managed by Providence in Guernsey this funds participates in the multi-billion dollar factoring business in that country. The investment has an 18 month term and pays a fixed return of between 10.75% pa and 12.75% pa (paid as a quarterly coupon) depending on the amount invested (needs to be US$500k to receive 12.75%). They have never failed to pay the quarterly coupon and never failed to return capital at the end of the 18 month term. 25% Allocation

4) India Growth Fund: Managed by Reliance, the largest fund manager in India, this fund is capitalizing on the high levels of growth anticipated in India in the coming years. Last year alone saw the fund grow by around 80%! 25% Allocation.

There are of course other possible combinations, although this selection gives a diverse range of assets with a combination of fixed and growth returns.

There are in excess of 1 million companies incorporated in Hong Kong. With the implementation of the Integrated Companies Registry Information System (ICRIS) on 28 February 2005, the new Companies Registry Electronic Search Services became available for checking company information. Numerous banks, stockbrokers and finance houses as well as all the major international legal and accounting firms are present in Hong Kong.

Hong Kong is also well-served by local secretarial, corporate management and trust companies, while there is an efficient, modern and dynamic banking system to assist the international business community.

How We Can Help You

We can incorporate a company with your choice of name and can also check the availability of names in advance. All companies are provided with a complete company kit that includes share certificates, 4 copies of the Articles of Association, statutory registers, common seal, company chop and a certificate of guarantee of quality.

Request more information about Hong Kong Corporate services.

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