O segredo bancario suico ainda tem futuro? Uma analise de um corretor de investimentos

A Suíça não é mais aquela: pressionada de todos os lados, teve de entrar em "acordo" com os principais países europeus e, principalmente, com os Estados Unidos, para que seus bancos não fossem punidos e ela mesma fosse inscrita na lista negra dos paraísos fiscais. Agora, pode haver transferência de informações bancárias, desde que haja algum fundamento legal para a requisição do Estado demandante.
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Paulo Roberto de Almeida

Is France Preparing to Invade Switzerland? By Bob Bauman JD, Offshore and Asset Protection Editor The Sovereign Investor Dear Paulo Roberto, For the third time in 25 years, the people of Switzerland have overwhelmingly voted to maintain their conscription army. On September 22, 73% of voters from 26 Swiss cantons rejected a referendum that pacifists and left-wing parties advocated to abolish mandatory military service, which requires part-time army service from each male citizen between the ages of 18 to 34. Women may serve voluntarily. To believe Swiss military officials, that army may be needed to defend against an invasion by France. Days after the referendum, it was revealed that the Swiss army earlier in August had conducted a military exercise/war game based on a hypothetical invasion by a bankrupt France trying to get back their “stolen” money hidden in Swiss bank accounts. Taking into account recent events, should the Swiss be more wary of France … or U.S. Attorney General Eric Holder?

Beginning in the 1930s, Swiss banking practices and laws ensured complete privacy – and, thus, secrecy – for clients, regardless of nationality or the laws of the client’s home country. That era effectively came to an end a few days ago, when the governments of the U.S. and Switzerland struck a deal that allows some Swiss banks to pay fines to avoid or defer prosecution for their U.S. customers’ tax evasion. As longtime readers will know, this reform process was promoted because of a 2009 lawsuit by Eric Holder’s U.S. Department of Justice against Swiss banking giant UBS for helping Americans keep assets in undisclosed Swiss accounts. The threat of U.S. lawsuits even destroyed the oldest bank in Switzerland, Wegelin & Co., founded in 1741. Holder forced change on the reluctant Swiss, and the unintended consequence of his strong-arm tactics is probably to their benefit. The reality is that the bullying U.S. could have frozen Switzerland out of the global financial system had it not complied. The uncertainty caused by that possibility effectively ruled Switzerland out as a recommended destination for offshore banking. A global survey by PricewaterhouseCoopers found that the major attraction for a private bank’s new customers is its reputation. Fortunately, in spite of the UBS scandal, Switzerland’s solid financial reputation still allows this alpine nation to serve as “banker to the world.” Indeed, these days, good judgment and reliability are banking traits more sought after than ever before. Even considering its many recent international difficulties, Switzerland remains as one of the best all-around asset and financial havens in the world.  The Gold Standard in Asset Protection For centuries, the Swiss have acted as banker to the world, acquiring a reputation for integrity and financial privacy. It is also an attractive residence for wealthy people to reside, which may explain why Switzerland is home to nearly 10% of all millionaires in the world. All these Swiss reforms have produced what Sovereign Society Executive Publisher Erika Nolan has rightfully called “a silver lining” for Americans banking in Switzerland. Freedom Alliance members received a July special report explaining this new world of private banking. My considered opinion of Switzerland is that it remains the best place for investment management, U.S. tax-deferred annuities and life insurance – all aspects of sound asset protection. In these services and many others, the Swiss excel. The Sovereign Society respects U.S. tax laws and U.S. reporting requirements. We also value financial privacy, a concept that died in America with the PATRIOT Act. Switzerland still offers a statutory guarantee of privacy for law abiding and tax paying persons from all nations. The Sovereign Society has existing arrangements with reputable, independent, SEC-registered Swiss asset managers who are able to place American accounts at leading Swiss banks. Switzerland may be neutral in politics, but it’s far from flavorless. The fusion of German, French and Italian influence has formed a robust national culture, and the country’s alpine landscapes have enough zing to reinvigorate even the most jaded traveler. My two youngest children, Vicky and Jim, and I will never forget traveling by car from Dijon, France, to Geneva on a frigid, snowy January morning, in awe of the hundreds of rainbows produced by snow showers falling from a million tree branches as the sun arose. Goethe summed up Switzerland succinctly as a combination of “the colossal and the well-ordered.” You can be sure that your clean, impressive train will be on time. The tidy, “just-so” precision of the Swiss is tempered by the lofty splendor of those landscapes. There’s a lot more here than just trillions of dollars and euros. The Confederation of Switzerland and its people are survivors, and rich ones at that. This nation manages nearly one-tenth of the world’s offshore cash and assets, over US$4 trillion for people all over the world, and they have done this successfully for centuries. Despite two World Wars, for 215 years, as European empires rose and fell, Switzerland’s official neutrality, defense of its sovereignty and banking prowess have created a world-recognized island of financial stability.  Faithfully yours, Bob Bauman JD Editor, Offshore Confidential The Sovereign Investor

Uruguai: um paraíso financeiro? - Bob Bauman (Sovereign Investor)

Os EUA estão "apertando" -- para usar um termo moderado -- a Suíça, em razão de suas regras laxistas em matéria fiscal e tributária e, sobretudo, por causa de seu regime bancário, baseado no segredo bancário e no anonimato das contas individuais dos estrangeiros. Ou seja, a Suíça já não é mais o que era...
Os investidores americanos se voltam, assim para o Uruguai, um recurso já conhecido de evasores argentinos, brasileiros e vários outros na região, com muitas facilidades financeiras e total segredo de valores e transações envolvidas.
A matéria abaixo, de um consultor que quer uma comissão sobre o seu dinheiro, pretende ensinar os americanos a recorrer aos bancos uruguaios, em lugar dos suíços. Sorte deles...
 Paulo Roberto de Almeida

As Swiss Banks Close Their Doors, Look to Uruguay
By Bob Bauman JD, Offshore and Asset Protection Editor

The “Switzerland of Latin America” – that’s the phrase I used six months ago when I wrote to you from Punta del Este, Uruguay. I was referring to the delightful South American country I was visiting for the first time.

But that catchy phrase was not mine: 61 years ago, in the shattered wake of World War II, Uruguay was described as the "Switzerland of the Americas" in a 1951 New York Times article.

Uruguay earned that unusual name because of its popularity as a safe haven for capital and precious metals fleeing Europe at the time, and for its adoption of careful, Swiss-inspired banking laws and customs.

When I wrote about Uruguay back in March, I got some serious grief from good friends in Switzerland, claiming I had abandoned their country, which I had always called the world’s leading offshore financial center. Well, my friends, I still say that … but Switzerland and the Swiss have got some major problems of their own making – and anyone planning personal financial activities has to keep them in mind.

Money Taking Flight

In the three years since the tawdry UBS-American tax evasion scandal was exposed, Swiss government politicians have tried to shield UBS and other threatened Swiss banks by capitulating to U.S. IRS pressures, too often at the expense of American clients. Thousands of U.S. names have been turned over to the IRS.

In effect, this has all but repealed the 1934 Bank Secrecy Law, ironically even as Swiss courts have upheld that law. As a self-serving byproduct of this, thousands of innocent Americans with Swiss bank accounts suddenly found themselves dumped in a wave of unjustified financial ethnic cleansing by nervous Swiss banks.

The truth is, there are still very solid Swiss banks that do welcome American clients. We know who they are, and we can arrange accounts with very little trouble for our Sovereign Society members.

But Swiss banking experts themselves openly now say that Swiss banks must lure affluent clients from emerging markets or face a slow death as the pursuit of tax dodgers by the U.S. IRS and European tax-collection hounds results in more fleeing assets.

Western Europeans may pull as much as US$139 billion, or 15% of their holdings, from Swiss banks, claims Herbert Hensle of Cap Gemini SA. Bank Sarasin & Cie AG reported last week that private clients withdrew US$308 billion from Swiss locations in the 12 months leading up to June 2012.

Switzerland built the world’s biggest offshore wealth center during an era of “black money” that ended when the U.S. sued UBS three years ago. Many of the highest fee-generating European and U.S. customers are withdrawing funds as the hunt for tax evaders widens.

As many as 100 Swiss banks will vanish, according to Vontobel Chief Executive Officer Zeno Staub. (Vontobel is one of the cooperative Swiss banks with which we work).

Solid and Confidential

By comparison, Uruguay’s banking system is solid, appealing to investors and depositors from around the world who seek a safe haven that also offers tax advantages. Since January 1, 2008, almost 400 banks have failed in the United States … meanwhile, Uruguay’s banks have operated without problems. While the U.S. GDP has shrunk, Uruguay’s continues to grow.

Unlike too many other offshore banks around the world, banks in Uruguay welcome American clients. Most banks offer e-banking, but a personal visit is required to open an account.

Uruguay’s financial reputation has made it an important regional financial center for all Latin America. There are 11 private banks, plus the government central bank, Banco de la República (BROU), that strictly supervises all banks in the country.

The private banks are totally or partially owned by leading American or European financial institutions. Banco Itaú and Lloyds TSB in Montevideo usually accept non-resident American clients in their retail banking branches. In addition, attesting to its regional banking role, there are over 30 representative offices of foreign banks.

Financial Privacy Guaranteed By Law

Unlike the United States, where the PATRIOT Act has destroyed financial privacy, Uruguay’s protection is based on a bank secrecy statute (Law #15,322, 1982) that forbids banks to share information with anyone – including the government of Uruguay and foreign governments.

The only exceptions allowed are in cases involving issues of alimony, child support, or alleged crimes such as foreign tax evasion and fraud. Even then, information can be shared only after obtaining a local court order.

The country does not automatically exchange tax or bank account information with the U.S., Canada or any other government. Uruguay does comply with Article 26 of the Organization for Economic and Community Development’s (OECD) model standards for tax information exchange requests. That is, banks may exchange information upon proof of foreign tax evasion or tax fraud.

In keeping with current international “political correctness,” Uruguay’s government does not want the country labeled as a “tax haven.” Nevertheless, Uruguay is, in fact, an offshore tax haven that imposes very few taxes on foreign residents living here.