LEGAL WARNING
The following information does not constitute an offer, a registered prospectus, a solicitation or recommendation to buy or to sell any securities for investment, nor an offer, solicitation or recommendation of any other kind whatsoever.
By reading this information, the reader declares his /her understanding of and his /her agreement to be bound by any and all the terms and conditions, which follow, pertaining to both this document and any material it contains.
If you do not agree to be bound by these conditions, please exit this web site immediately.
Nothing contained herein should be construed as an offer, solicitation or recommendation to buy or sell any investment or to engage in any other transaction. This is an information memorandum only.
The information is given solely for information purposes and has been requested by the party to whom the information is transmitted, exclusively for the personal use of the recipient. The recipient must keep the information strictly confidential and is not allowed to make the information available to others.
All information and opinions are provided without any warranty of any kind, either expressed or implied, to the fullest extent permissible pursuant to applicable law.
All information and opinions are provided to assist prospective investors in making their own decisions without any guarantees as to accuracy, reliability or completeness.
The information provided does not contain investment, legal, accounting, tax or other advice or opinion and should not be relied upon for any specific investment or other purposes.
A competent professional should always be consulted before utilising any information contained within this document.
WHAT IS ZURICH INVESTMENT AG AND HOW DOES IT WORK?
Zurich Investment AG is a pooled investment vehicle. When you invest with Zurich Investment AG you pool your money with other investors. Your investment amount is defined by contract.
WHAT IS THE ROLE OF ZURICH INVESTMENT AG?
Zurich Investment AG is the fund manager of the pooled investment Zurich Sterling Equities Fund. Zurich Investment AG does not always retain the investor's money during the term of the investment. Your investment is forwarded to a Zurich Investment AG account held by a trading/clearing house.
Acknowledgement of your investment is issued within ten working days of Zurich Investment AG placing the investment with the fund manager.
INVESTMENT STATEMENT
This investment is by Private Placement. Private Placement Business does not provide a registered prospectus.
1. What sort of investment is this?
This fund trades in stocks and equities. Leading securities/clearing firms clear the transactions.
Zurich Investment AG holds accounts with securities firms. The fund trades with a 50% stop/loss. This means that the traders only trade fifty (50%) of the capital in the account at any one time. No more than 50% of the funds capital can be lost.
2. Who is providing it for me?
Zurich Investment AG is providing the service. Large securities houses and banks are clearing the transactions using trading and strategies supplied by independent analysts exclusive to Zurich Investment AG to give high capital protection based on the investor's requirements.
3. How much do I pay?
There is no up-front fee.
4. What are the charges?
The only charges are banking transfer fees associated with the transfer of funds, which cost at present is USD$30.00. Each new contract should include USD$30.00 to cover transferring the investment funds. In addition to this USD$30.00 bank transfer, a transfer fee is also charged for each transfer of profit returned to the investor. There is no introducer profits paid from the returns.
5. What returns will I get?
Best efforts basis. Historical six year average is 187% per annum paid on a performance basis in arrears. e.g., at times profit may be paid during the year. At other times depending on investment performance and liquidity, profit may be paid at the completion of the investment contract.
6. What are my risks?
Because the Fund Manager does not have a registered prospectus an investor must consider the style of investment as high risk as the Fund Manager is domiciled offshore. An investor wishing to do due diligence will find this process extremely difficult. Zurich Investment AG wishes to make investors aware that they should consider this investment high risk.
7. Can the investment be altered?
The investment is a (12) twelve-month contract, which cannot be altered unless you are an investor with a US Treasury Bill deposited in the trading account for capital protection. Then you can withdraw the Treasury bill or instrument at 60 days notice and we can sell it for you or you can arrange that through another clearing house or broker.
8. How do I cash in my investment?
The investment is a (12) twelve-month contract and you are required to give 60 days written notice before withdrawal of capital unless the above # 7 applies
9. Who do I contact with enquiries about my investment?
The head office of Zurich Investment AG:
Lowenstrasse 25
P.O. Box 2749
CH - 8022 Zurich Switzerland
+ 41 22594 8095 (Facsimile) or 
10. Is there anyone to whom I can complain if I have problems with the investment?
Zurich Investment AG at the above address or on
+ 41 22594 8095 (Facsimile)
11. What other information can I obtain about the investment?
Enquire with Zurich Investment AG by email. Also other educational information can be found on links on this web site as well as other web searches using key words.
12. What do best-efforts mean?
To the greatest degree of effort by the traders to produce returns based on a realistic track record and market conditions at the time. Returns are neither guaranteed or our highest priority, however preservation of capital is.
Zurich Investment AG suggests all investors' portfolios should be spread over a variety of investment options.
Zurich Investment AG suggests investors should only invest discretionary capital.
DISCLOSURE STATEMENT
Zurich Investment AG is a company transferring client's money according to contract under Private Placement parameters.
Zurich Investment AG does not offer investment advice or recommendations nor does it offer any form of guarantee on return or safety of capital.
Zurich Investment AG does not make public offerings. Private Placement completes all business with selected or habitual investors.
Under the regulations that govern Private Placement, we are not required to issue:
An Investment Statement although we do
A memorandum although we do
An investment contract although we do
A registered prospectus and we do not.
Zurich Investment AG takes great care to surpass the requirements of various authorities' regulations. The opportunity of investment with
Zurich Investment AG is extended to selected people only. Private Placement only offers it. Please respect this. The sole objective of our confidentiality agreement is to ensure that this information does not become public.
Zurich Investment AG does not advertise its investments and nor does it solicit investments through dealer groups or external brokers and advisors. Therefore no commissions or fees are paid to brokers or advisors. No information issued by Zurich Investment AG should be construed as an advertisement, a recommendation or a solicitation. There are no traditional media advertisements for this company and fund. That would constitute a "retail public" advertising of the fund and it is NOT.
This information is not:
- a registered Prospectus; or
- a solicitation for funds; or
- an investment offer; or
- an offer to the public; or
- an advertisement
Zurich Investment AG will only conduct business with persons or entities domiciled in appropriate jurisdictions. No individual personal resident of Switzerland, The EU, The UK, Canada, Australia or New Zealand can apply unless that individual or corporation is exempt by definition under that country's laws.
USA must be an Accredited "Exempt" Investor as defined in Regulation D (http://www.sec.gov/answers/accred.htm).
UK residents must conform to the FSA
New Zealand and Canadian residents must also conform.
Australian residents must be a "Sophisticated" investor under the laws of ASIC.
If you are not an exempt or sophisticated investor but resident of these and similar countries above, investing through a corporate or other structure in an acceptable tax and investment favorable country may apply to you?
The same applies to other jurisdictions in non - tax haven countries that require it to be so.
Please check your countries local laws to comply, as this responsibility is yours.
ADMINISTRATION SERVICES
Investor must transfer the investment amount directly to Zurich Investment AG bank account.
All money paid into Zurich Investment AG account will be pooled and the investor's amount will be qualified by a contract. The pooled money will be invested through a clearing house or trading bank electronic platform.
Zurich Investment AG does not invest in bank debentures trading programs.
Zurich Investment AG does not invest in or use leveraged, futures or other geared speculative strategies.
A minimum of USD$10,000.00 is the normal minimum amount accepted by Zurich Investment AG from an approved investor in an appropriate jurisdiction. Exempt and Sophisticated investors investing from those countries must invest the minimum amount and according to local laws. If
Zurich Investment AG discovers that an investor has invested in violation of local laws, their principal will be returned without profit to the account it was sent from.
All records will be kept by Zurich Investment AG, which will employ an accounting firm to review all transactions quarterly.
Zurich Investment AG has the right to invest the pooled funds at its own discretion and benefits.
If Zurich Investment AG receives returns above the projected best efforts return, it shall be
Pro-rata'd as set out in the Private Placement Memorandum and contract.
All capital invested will be returned from the institutions to Zurich Investment AG bank account at maturity of the contracts. All contracts will automatically roll-over unless the investor advises otherwise.
The investment is a twelve (12) month contract, which cannot be altered. The investor's funds will be returned to the investor after the expiry date of the contract providing 60 days notice in writing has be submitted to Zurich Investment AG. This does not apply to the capital as noted in item # 7 of the Investors Statement.
Zurich Investment AG does not offer any guarantee on capital or profit. The fund trades a 50% stop / loss however 100% capital protection can be arranged by Zurich Investment AG for the investor using purchased collateral as protection.
The majority of fund managers perform on a "best-efforts basis" whereas profit returns can rise or fall against any projections, meaning there is no set guarantee of rate of return.
All information produced by Zurich Investment AG must not be construed as advertising or solicitation for investment.
All investments are by Private Placement.
INVESTMENT OBJECTIVES AND FEES
This fund trades in stock markets and equities globally. Leading banks, securities firms and trading houses clear the transactions.
The Zurich Investment AG holds accounts with the securities/clearing firms and trading banks and has protected the fundby way of a 50% stop/loss.
Investors using the opportunity of Zurich Investment AG acknowledge bank fees and disbursements are liable from their capital or profit, e.g., bank transfer fees.
Zurich Investment AG return objective is 187% per annum on best-efforts at a stop/loss of 50%.
Any alteration to the stop/loss must first be approved by every investor.
Traders and analysts are exclusive to Zurich Investment AG.
INVESTOR SUITABILITY
This opportunity is suited only to those investors who can bear the material risk involved and can bear the loss of their investment.
This opportunity is only suitable for investors who can commit their investment funds for a minimum of twelve (12) months.
This administration opportunity is not to be construed as solicitation of funds or investment. This is not a public offering. Investors wishing to take advantage of this administration opportunity should be familiar with Offshore Investments and not invest any capital unless it is discretionary capital.
Preferably the investors wishing to use this opportunity should have researched or have obtained experience and educational material that can be purchased or gained regarding knowledge of Offshore Investments and investments generally.
Only investors domiciled in privacy havens or those operating from a suitable jurisdiction can apply.
This administration opportunity is not available for any person or identity that does not operate from a suitable jurisdiction or under the laws of the jurisdiction in which they are a resident.
The suitable jurisdictions are countries of privacy with privacy laws allowing private placement opportunities.
Investors with more than USD$500,000.00 and more than USD$10M are invited to be aware of other options for capital guarantee and profits.
RISK
Previous performance is no indication of future profit.
While most offshore and onshore investments have insurance against theft or misappropriation of capital and while some carry a guarantee from the fund for capital invested, it should be noted that Offshore Funds are domiciled offshore and are relatively difficult for any party to conduct due diligence. Also, changes in market conditions around the world can affect Fund Managers' performance. It must be accepted that this opportunity carries a high risk as trading in the market is considered a high-risk area and only suitable for those investors who can afford to lose the money invested.
Currency fluctuations on investment capital invested in other than USD is solely the responsibility of the investor.
It should be stressed that all investments carry risk and Zurich Investment AG do not hold any privileged position with any Managed or Mutual Funds or Fund Managers.
It should also be mentioned that if investors wish to have a more decisive capital protection with a possibility of less returns, this can be accomplished in one way consisting of two steps;
- The securities house purchases a US Treasury Bill or similar security which is "0" coupon
And then,
- Trade the discount in a fund with the same traders but with no stop/loss.
The example is that if a US Treasury "0" coupon 7 year (strip) is purchased for approximately 75% of face value and the investor wanted to invest $1M USD, $750k USD would be spent purchasing the strip which has a future value of $1M USD, thereby returning $1M USD to the investor in seven years time, regardless of what happens in the fund.
The remaining USD $250k, the balance or Treasury discount, is traded in the fund with no stop/loss or a greatly reduced stop/loss to the normal trading style of 95%.
The advantages are as follows;
- The investor has an instrument in his/her/corp. name, independent to both the trading house and Zurich Investment AG, which effectually protects 100% of the investor's funds.
- There is a possibility of a higher return due to the traders having greater amounts of capital to trade on a daily basis.
Disadvantage is;
- There can be more capital at risk that can be lost on an immediate basis before the instrument of guarantee matures if the investor decides not to have any stop/loss on the whole treasury discount being traded.
Eg.
$1M capital - $750k USD Note = $250k balance in a fund at 50% stop/loss = $125k being traded.
$1M capital - $750k USD Note = $250k balance in a fund at 0 % stop/loss = $250k being traded.
Zurich Investment AG can arrange though it's clearing and trading house connections, the purchase of the instrument that suits the investors risk ratio and style.
This ordering procedure for the instrument and optional stop/loss requests are set out in the investment contract separate to this information memorandum.
REDEMPTIONS
Most Offshore Managed and Mutual Funds operate with a twelve-month contract. Each investment via the administration opportunity of Zurich Investment AG carries a minimum twelve-month contract; meaning redemption of capital is not possible for twelve months .
No partial redemption is available in the first twelve months of the investment. After the initial twelve months, a total or partial redemption is available upon receipt of 60 days written notice from the investor to Zurich Investment AG, otherwise the investment term is renewed for another twelve months.
For partial redemption, the investment must maintain a minimum of USD$10,000
The above does not apply if the investor has their own capital deposited and protected in the form of an instrument being a "0" Coupon US Treasury Bill or other registered security.
It is the investors' responsibility to then sell the instrument if they wish to have actual capital.
Zurich Investment AG can assist with this through their clearinghouse accounts.
FUNDS' OBJECTIVES
This fund trades in stocks and equities of undervalued and penny stock companies globally. Leading securities firms, clearing houses and banks conduct the transactions.
The Funds' objective is to provide preservation of capital and profit defined by this memorandum and chosen by the investor.
TAXATION
Investors using this opportunity to invest acknowledge that any taxation liabilities on any profits earned from such an opportunity are solely the responsibility of the investor.