Swiss Cash Frequently Asked Question
SYSTEM
1.0
Join Us
2.0
Login, Password and Transaction Authorization Pin (TAP)
3.0
Unauthorized Login
4.0
Short Messaging System - SMS
5.0
Chinese Banking Gateway
6.0
I.T. System Solutions and Technical Issues
7.0
Mobile SC
FUNDS TRANSFER
8.0
Incoming
Wire/Telegraphic Transfer/Sending Funds to Swiss
Mutual Fund
8.0
Setting Up Favorite Beneficiary Account
9.0
Out-Going Money/Wire/Telegraphic Transfer
10.0
Internal Transfer
FINANCIAL PLAN
11.0
Swiss Investment Plan
12.0
Swiss Affiliate Program, Swiss Revenue Program, Swiss Financial Plan, Daily Interest Payout
LEGAL ISSUES
13.0
Legislation, Legality, Licensing
14.0
Taxation
15.0
Account Ownership
16.0
Privacy Policies
17.0
Terms of Use
18.0
Advertising and Promotional Activities
OTHER
19.0
Financial Report
20.0
SwissCash Appointed Personnel
21.0
Inquiries & Customer Service
1.0 Join Us
1.1
What is the first step towards investing in SwissCash?Go to "Join Us", complete the Online Registration Form and "Submit" after reading through our Terms of Use and Privacy Policy. You will get a 12-digit SwissCash Trading ID that you will use for all future transactions with SwissCash. REMINDER: Please provide valid information such as your national registration card or passport.
1.2
I tried to register for a Trading Account but it states that I need a referrer ID. Why is that so?The SwissCash Financial Platform is by invitation only. You need a Financial Planner or Consultant to invite you into this facility. This is to protect the exclusiveness of our financial facility.
1.3
Can SwissCash provide me a referrer ID?No.
1.4
Can SwissCash reveal to me information about any Swiss Financial Planner/Consultant in my region? Can SwissCash reveal to me information about any appointed agent in my country? I would like to contact them.No, all investors are protected by our privacy policy. We do not have agents in any country. SwissCash has regional marketing and technical directors who help selected investors to establish a solid financial platform.
1.5
I cannot find my country’s telephone dialing code during registration.The telecommunication platform in your country is currently not compatible with our international mobile platform. However you may continue with registration, activate your account and proceed with investment. When our mobile solutions become compatible, we will require you to update your profile.
1.6
Is there an age limit for a SwissCash Trading Account holder?No.
1.7
How do I activate my Trading Account?USD30 per year effective from the day you activate your Trading Account.
1.8
How do I invest?You may invest after you have activated your Trading Account. You may click "Start Invest" in the Investor’s Main Navigation page and key in the amount you intend to invest, in multiples of USD100, up to USD100,000 per investment, provided you have enough funds in your account.
1.9
How do I transfer funds into my SwissCash Trading Account?
A
Make a Wire/Telegraphic Transfer to Swiss Mutual Fund by following the step-by-step guidelines under the Wire/TT Payment Instruction Menu in your Investor Navigation Main Page.
B
Another active SwissCash investor may make an Internal Fund Transfer to your Trading Account, provided he has sufficient funds in his/her Trading Account.
1.10
What kinds of investor status does SwissCash currently have?
A
Temporary Account Holder – An investor who has just completed an Online Registration Form. He/She is given 14 days to activate his/her Trading Account. Failure to do so will result in his/her temporary Trading Account being deleted by the system. Not allowed to introduce any investor to SwissCash. Does not represent the company.
B
Active Account Holder – An investor who has activated his/her Trading Account by paying USD30. Yearly renewal fee is USD30, effective from the day the Trading Account was activated. Not allowed to introduce any investor to SwissCash. Does not represent the company.
C
Active Investor – An investor who has invested a total amount between USD100 – 900 in the SwissCash Financial Facility. Not allowed to introduce any investor to SwissCash. Does not represent the company.
D
Swiss Financial Planner – An investor who has an accumulated investment of more than USD1,000 in the SwissCash Financial Platform. May introduce investors to SwissCash Financial Facility. Does not represent the company.
E
Swiss Financial Consultant – A Swiss Financial Planner who has achieved a special Group Investment Target. May introduce investors to SwissCash Financial Facility. Does not represent the company.
2.0 Login, Password and TAP
2.1
I forgot my password. What should I do?Click on the "Forgot Password" link under the login button and enter your trading ID, e-mail and date of birth. An e-mail and/or SMS will be generated to you within 15 minutes.
2.2
I tried to retrieve a new password through the "Forgot Password" facility but was unable to do so. Why is that?It could be due to the fact that you have incorrectly entered your e-mail address or date of birth compared to the information you submitted upon registration previously. Please scan and attach your supporting document such as NIC, passport and any relevant information to prove that the account belongs to you, to service@swisscash.biz. Our customer support will verify all the documents (this might take about 3 to 5 working days) and assign a temporary password for you to access your trading account.
2.3
What measures should I take to protect my password?
A
Create a secure password, one with a combination of between 8 and 15 alphabetical characters and numbers, with no character repeated more than twice.
B
Change to a new password every 60-90 days. The new password must not resemble the last 3 passwords.
C
Do not use a password that is related to your general information such as your cell-phone no., house/office phone no., your date of birth or car license plate.
D
Do not key in your password in front of anybody. Always ask to be excused when you need to key in your password.
2.4
What is a "Transaction Authorization PIN" (TAP)?TAP functions as a "2nd Password" that you can set in SwissCash Investor’s Main Navigation Area so that all transactions such as E-points Transfer and Out-Going Money Transfer Request can only be undertaken upon keying in a correct TAP. In the case that your password is breached, the culprit needs to have your TAP in order to transfer funds out of your account. Again, investors are asked not to reveal or key in their TAP in front of a third party. Your TAP must be between 6 and 25 characters.
2.5
I have forgotten my TAP, what should I do?Please scan and attach your supporting document such as NIC, passport and any relevant information to prove that the account belongs to you, to service@swisscash.biz. Our customer support will verify all the documents (this might take about 3 to 5 working days). An e-mail will be sent out to require you to submit a new TAP
3.0 Unauthorized Login and Transactions
3.1
What is an unauthorized login?SwissCash defines unauthorized login as an intrusion into any investor’s account without the authority and prior consent from the account owner, regardless of whether the intrusion contributes to financial losses or not.
3.2
What should I do if I find out that my account’s password has been changed by a third party?Immediately, e-mail password@swisscash.biz with a soft copy of your passport or government-issued Identification Card, and another piece of identification such as driver’s license or Social Security Card.Our Compliance and Technical Department will immediately suspend the business transaction of the Trading Account in question. Upon completion of the investigation, normally within 3 to 5 working days, the rightful owner of the account with get a new password for login and the account will be restored back to full accessibility.
3.3
In such cases, what happens to the e-points that have been stolen from my account? In any incident that is not the result of the system error or intolerance, the beneficiary account holder will bear full responsibility for the e-points in his/her Trading Account. Similar practice is applied by all International Banks that practice e-transactions. However, our Technical and Finance Department will do their best to track and recover the funds that were stolen from your Trading Account. If successful, the balance points that were unused will be transferred back to you with a full report.
3.4
Is an e-commerce transaction unsecured?E-commerce transactions are not unsecured. E-Commerce is a revolution and it keeps on improving each day. The issue of e-business security is a two-way approach between the company and the user. SwissCash has come out with a few ways to minimize the risk of hacking towards an investor’s account but if the particular investor does not wish to do his part –for example, keying his Trading Account password in front of a third party – he cannot but blame himself in the event that his account has been breached. SwissCash has always reminded its investors to renew their password every 2-3 months, and that this password should not be the same as their e-mail or a password they use on any other website.
4.0 Short Messaging System (SMS)
4.1
When can I expect to receive an SMS from SwissCash?
*
SIP, SAP, SRP and SFP Incentives Pay-out
*
Internal Money Transfer
*
Approval/Rejection of your Out-Going Money Transfer Request
*
Approval/Rejection of your Wire/Telegraphic Transfer Notification
*
Long-duration or unexpected system maintenance downtime
*
Account Activation Expired Notification
*
New Investor Signup using your Trading ID as referrer
*
A new account you sign up for yourself
*
Account activation
4.2
Is SMS a confirmation of my transactions?No, SMS is an indication of transactions in SwissCash Financial Platform. A confirmed transaction is as shown in your SwissCash Financial Portal after you log in to your Trading Account.
4.3
Why SMS is not a confirmation of transaction?Simply because SMS is not a secured platform. Most big corporations in the world use SMS only as a notification and/or a back-up of transaction indicator to its members/investors.
4.4
Is there possibility that I will receive an SMS from an irresponsible third party who claims to be SwissCash?Yes, very possible. The rule is NEVER to reply to any SMS that claims to be from SwissCash or related parties. SwissCash will never ask investors to reply through SMS as it is not a secured channel. There are also irresponsible third parties who use "From – SwissCash" to send false and malicious SMS about SwissCash. Please ignore such news or notification as it is irrelevant.
4.5
Why can’t I receive SMS from SwissCash? / I have previously received SMS regularly but have not received any SMS for my recent transactions.
A
SMS delivery solely depends on the mobile service operator from your region. Normally this is due to heavy traffic congestion that causes the delay or loss of the SMS in transition.
B
SMS facility has not yet been linked up with Mobile Solution Providers in your country, or some of your local telecommunication service providers.
C
It can also be due to your local telecommunication service provider not supporting an International SMS Server Gateway such as ours.
5.0 Chinese Bank Gateway
5.1
What is SwissCash Chinese Bank Gateway?SwissCash Chinese Bank Gateway refers to an online service system that is established by SwissCash via Internet platform and that is connected to the Chinese bank network and provides various financing services for bank members.
5.2
What services does SwissCash Chinese Bank Gateway offer?An owner of one of the various Chinese bank cards who has activated his/her online banking account is able to perform a money transfer via SwissCash Chinese Bank Gateway from their bank to purchase e-points.
5.3
Is it secure to use SwissCash Chinese Bank Gateway for online money transfer?SwissCash Chinese Bank Gateway adopts the industry-leading safety system and fraud protection system to maximize the protection of your financial information. During online money transfer operation, your contact information will only be used as the means for us to contact you. We will protect your bank account, bank card number and other private and confidential information.
5.4
Is it safe to provide my bank card information on the website?In strict accordance with our Privacy Policies, we will not reveal your bank card information and other relevant financial information to any third party. The transfer process will be done on your corresponding bank’s online banking system. Therefore, your password or any other kind of information used for authentication will not be recorded by SwissCash Chinese Bank Gateway or other facilities in the SwissCash Financial Portal.For more information about Chinese Bank Gateway, please log in to your Investor’s Main Navigation and click on "Chinese Bank Gateway – Help and FAQ."
6.0 I.T. System Solutions and Technical Issues
6.1
How secure are SwissCash I.T. solutions?We provide one of the more secured solutions in the industry. As with all systems, there is no 100% guaranteed security. We constantly upgrade our system solutions in order to stay ahead and secured.
6.2
Supposing SwissCash I.T. solutions and database were breached, what is the worst-case scenario?There will be a few hours of downtime (unavailable to log in or unavailable to access SwissCash website) for us to activate our back-up system and restore all database information to its original state prior to any such incident. No investors should worry that they will suffer any financial loss (such as lost of e-points). As with all financial institutions, all losses as a result of our system fault will be borne by the company.
6.3
Am I eligible to claim potential loss (supposing I have an investor who is supposed to invest) as a result of downtime of SwissCash solutions?No. Anything that is already keyed into the system is considered effective while anything that is not, will not be taken into consideration. For further details, please refer to our Terms of Use.
6.4
I have just registered for an account using my referrer’s Personal Financial Site and now whenever I key in SwissCash’s address, his site still appears. Why is that so?Please close your browser and open a new one, and you will not see his personal financial site anymore.
6.5
Why do I sometimes see the SwissCash website differently when I use another Internet browser/navigator, and why do certain functions not work in other browser/navigators?We highly recommend that all investors use Internet Explorer browser/navigator as your choice when accessing the SwissCash website, as our system was developed under Microsoft Platform and might not be compatible with other Internet browser/navigators.If certain problems persist in Internet Explorer browser/navigator please contact service@swisscash.biz as our technical consultant is always ready to assist you.
6.6
When I try to access www.swisscash.biz, it redirects me to www.swisscash.biz/mobile, why is that?This likely happens when the web browser that you are using is not the latest Internet Explorer (version 6.1 and above) or Firefox (version 1.5 and above). Other browsers such as Opera (version 8.5 and above) can also access www. swisscash.biz, but is not supported. Our I.T. team develops and tests the website to work with major browsers, namely Internet Explorer and Firefox. www.swisscash.biz/mobile primary serves mobile users. However, browsers which are not able to access www.swisscash.biz, such as the old Netscape 4.03 and Mosaic, can make use of www.swisscash.biz/mobile to access limited services, such as Sign-Up, E-point Transfer, Investing, etc.
6.7
I get a "Page Not Found" error when trying to access www.SwissCash.biz If you typed the URL by hand then please make sure that it is exactly as it should be. Also check the capitalization and that you are using forward slashes ( / ). If you are in doubt then you can always try to find what you are looking for from our home page. It is possible you typed the address incorrectly, or the page may no longer exists.
6.8
Why is SwissCash Financial Site not protected under VERISIGN SSL?Your financial site is protected under another SSL solution that is more compatible with our system, that also provides secured transactions, equivalent with the best in the Internet Secured Transaction industry.
6.9
Why do I need to use the virtual keyboard to key in Login Password and TAP?The virtual keyboard utilizes the browser's java script to obfuscate* texts (using dynamic MD5 secured hash). During login or on the TAP authorization page, your password or TAP will not be sent plainly to the server. It will be obfuscated before being sent. The obfuscated password is dynamic and unique. Therefore, if your computer is infected with a worm or virus and it manages to get hold of the obfuscated password, it will not be usable the second time. This serves to better protect your account services. Also, there exist worms/viruses which will record keyboard strokes. With this virtual keyboard, you use your mouse to key in your password or TAP.
7.0 Mobile SC
7.1
What does Mobile SC offer?Mobile SC offers certain services that are available at SwissCash.biz.Services available
Sign Up :
register new investors
Latest News :
keep updated with the latest news announcements.
Swiss Banking Facility :
make Internal Money Transfers
Swiss Investment Facility :
start new investments and view investment certificates
Swiss Payment Transfer :
submit your wire/TT payment notification to our Finance Department
7.2
What are the advantages of Mobile SC?Mobile SwissCash provides our Global Investors with mobility, convenience when on the move, compact design and optimized web browser capabilities.
7.3
What do I need to utilize Mobile SC?All you need is a PDA or mobile phone with GPRS, EDGE or 3G access.
7.4
How to I sign up for Mobile SC?You will need to activate your Mobile SC from the Investor Navigation Area in order to enable you to access your trading account from your PDA or mobile phone.
7.5
How do I access Mobile SC from my PDA?Proceed to the web browser in your PDA and enter the address www.swisscash.biz/mobile.
7.6
How much do I have to pay for Mobile SC facility?There is no charge incurred for Mobile SC.
7.7
I no longer need Mobile SC facility, how do I disable it? Proceed to your Inventor Navigation Area, click on "Enable/Disable Mobile SwissCash" and follow the instructions given.
7.8
Is it secure to use Mobile SC for online transactions?Mobile SC incorporates the latest technology to ensure that the security of all information and transactions done through Mobile SC is not compromised.
7.9
I have activated my Mobile SC, but have no knowledge on how to utilize it.Proceed to your Investor Navigation Area and click on "Mobile SwissCash Manual" for a full set of guidelines on how to fully utilize Mobile SC, or copy and paste the following address to your Internet Explorer browser: https://www.swisscash.biz/Member/MobileService/MobileSwisscashManual.pdf
8.0 Incoming Wire/Telegraphic Money Transfer/Sending Funds to Swiss Mutual Fund
8.1
Do I wire my money for SwissCash Investment to SwissCash or Swiss Mutual Fund?
You wire transfer all your money to Swiss Mutual Fund, as SwissCash is a Financial Facility of Swiss Mutual Fund.
8.2
How do I execute a Wire/Telegraphic Transfer to Swiss Mutual Fund?
Log in to your Investor’s Area and click "Wire Transfer Instructions"You can follow the step-by-step instructions outlined there.
8.3
What is IBAN?
IBAN stands for International Bank Account Number. All Wire/Telegraphic Transfers to Swiss Mutual Fund from any bank in Europe must use Swiss Mutual Fund’s IBAN in place of the normal bank account number. Swiss Mutual Fund’s IBAN number is available in "Wire TransferInstruction" in Investor’s Main Navigation Page after login.
8.4
What is a SWIFT Code?
SWIFT is an identification code for all legal banks in the world. It is needed for all International Wire Transfers.
8.5
How long does it take for my Funds Transfer to be credited to mySwissCash Trading Account?
This depends on your sending bank value date, and how accurately you follow the step-by-step Wire/Telegraphic Transfer Instructions. Normally it only requires between 2 to 4 working days. Under abnormal circumstances it could take up to 5 working days, but this is very unusual.
8.6
Who bears the Wire Transfer charges?
The sender. Swiss Mutual Fund only credit to your SwissCash Trading Account the similar amount in e-points to the USD amount that we received into our bank account ( 1 e-point = 1 United States dollar).
8.7
What are the estimated Wire Charges on the Receiver/Beneficiary/ Swiss Mutual Fund’s bank?
If all details are filled in correctly, it should be between USD30 - 40per transaction for any amount less than USD100,000. We normally advise investors to top up an extra USD50 so that you can be sure to get the amount of e-points you need for your account activation and investment. The figure provided above is just an estimation. Actual amount may vary depending on sender’s and co-respondent’s bank wire charges and commissions.
8.8
Any important advice?
You are advised to provide just your SwissCash Trading ID on the Wire Transfer Form in the "Details/Description Column." This will further expedite our financial department in crediting the funds to your Trading Account once they are received.
8.9
How does Swiss Mutual Fund knows I have wired/transferred funds to my SwissCash Trading Account?
You are required to fill in the Wire/Telegraphic Transfer Notification in Investor’s Main Navigation page after you wire your funds through the bank. Upon receiving your funds in our bank and the details that match your notification, funds would be credited to your SwissCash Trading Account immediately, so that you can proceed with account activation and investment.
8.10
Does making another Wire Transfer Notification help, if the current one is still pending?
No, please do not make more than one Wire/Telegraphic Transfer Notification as this may confuse our Finance Department and delay the process of crediting funds into your Trading Account. Take note, this is a common mistake made by anxious investors! As soon as we receive your funds, we will credit them to your Trading Account.
8.11
I have sent a Wire Transfer to Swiss Mutual Fund more than 5 working days ago, and my Transfer Notification has yet to be activated/no funds have been credited into my SwissCash Trading Account yet. What should I do?
Please check with your sending bank whether that particular Wire
Transfer has reached Swiss Mutual Fund. If it has, please e-mail a scanned copy of the Transaction Slip to wiretransfer@swisscash.biz . Any e-mail that bears a Wire Transfer Form that is less than 5 days from the value date of the Wire Transfer, will be automatically truncated/deleted by the system! Please only e-mail after 5 days or more, provided you have received the confirmation from the sending bank. You may follow up by opening a ticket inquiry through our system as well.
8.12
Should I call Swiss Mutual Fund’s bank to check if they have received my Wire Transfer funds?
Please do not do that. We have thousands of investors doing Wire/Telegraphic transfers to us every day. We do not want our bank officers to get frustrated entertaining our investors. When we receive your funds we will credit them to your Trading Account.
8.0 Setting Up Favorite Beneficiary Account
8.1
What is Beneficiary Account set-up?Before you can perform an Out-Going Money Transfer, you must set up the Beneficiary Account details. You are allowed to set up your first five (5) beneficiary accounts for free. Thereafter, each new beneficiary account will be charged USD10.00
8.2
Why is there a need to set up a Favorite Beneficiary Account?
A
You do not need to re-enter your banking details every time you make an Out-Going Money Transfer. You only need to request the amount you want.
B
For security purposes. In the event your account’s security should be compromised as a result of your carelessness, the person cannot immediately transfer the funds into their local bank account.
8.3
How long does it take for Beneficiary Account set-up to be approved?Not more than 3 business working days for own (Account Holder name) beneficiary, and 5 business working days for third party beneficiary.
8.4
What is IBAN? Is it necessary to provide an IBAN? Do I have an IBAN?IBAN stands for International Bank Account Number and all bank account holders in Europe are required to provide a full IBAN when they fill in the Beneficiary Payee Account details, or else their request will be rejected.
8.5
What is SWIFT?SWIFT is an identification code for all legal banks in the world. It is needed for all Wire Transfers. SWIFT code is not the same as Zip/Postcode. A SWIFT is, for example: CITISGSG or BKTRUS33. SWIFT is one of the most critical elements of a transfer as a wrong SWIFT would send your money to the wrong bank!
8.6
What is BSB? (Australian bank accounts only)BSB is the "Bank State Branch" identifier. This is a 6-digit code used within Australia's financial sector to identify individual branches of financial institutions. When you fill out the Bank Account Number on the Favorite Beneficiary Set Up page, you MUST fill in the bank account number that has incorporated your BSB.
8.7
What is ABA Routing Number? ABA Routing Number is code used within America’s financial sector to identify bank branches of financial institutions. During set-up of Favorite Beneficiary Bank Account details, an investor must provide a valid bank SWIFT, as no ABA Routing Number is accepted in place of the correct SWIFT.
9.0 Out-Going Money/Wire/Telegraphic Transfer
9.1
What is an Out-Going Money Transfer?This is a request made by an investor to transfer funds/e-points in their Swiss e-banking system to their local bank.
9.2
How long does it take for Swiss Mutual Fund to process my Out-Going Money Transfer Request?It normally takes 3 to 5 working days for processing and approval before we send the instructions to the bank. The bank will then take another 2 to 3 days to wire the funds to the respective account holder. In total, we can estimate your waiting period to be from 5 to 7 working days between the first working day your request was received, until the day the funds get credited into your local bank account. However, much also depends on how fast yourlocal bank processes Incoming Fund Transfers.
9.3
Why do you need so long/so many days to activate an Out-Going Transfer Request?An Out-Going Money Transfer Request is not a simple request because of the responsibility to make sure all funds reach their intended destination, and the right person. Firstly, we need to verify your source of funds for withdrawal, to protect all investors’ interests in the event of unwanted incidents. We also need to allocate one to two ‘cooling’ days after an investor makes a request as some investors realize they have made a critical mistake. Once we have activated your request to our sender bank, funds sent out are no longer the responsibility of Swiss Mutual Fund.
9.4
How much are the Outgoing Wire Transfer charges?Charges vary from one sender’s bank to another, and with the correspondent banks involved. All banks have a minimum charge, or a fraction of a percentage if above a certain larger amount. Therefore we advise investors to request an Outgoing Money Transfer of USD1,000 and above so that the banking charges will be relatively low. In general, a minimum charge of between USD40-60 is expected for any amount of funds transfer between USD100 and USD10,000. Unfortunately, these are banking charges that investors have to bear themselves.
9.5
Can I do an Out-Going Money Transfer from my ebank account to a 3rd party bank account?Yes you may if you can provide valid relation between yourself and the said 3rd party. However, there will be a USD50 per transaction fee besides normal banking fee.
9.6
What should I do if my Out-Going Money Transfer was activated and I still haven’t received the funds in my local bank?Please log in to your Investor’s Main Navigation page, and send us a ticket response. Our financial team will follow up from there to track the relevant transaction.
10.0 Internal Transfer
10.1
What happens if I wrongly transfer my points to another SwissCash Trading Account? Can I ask that the transaction be voided, or get a refund?In any incident that is not the result of our system error or intolerance, any account holder will bear full responsibility for the e-points in his/her Trading Account. Similar practice is applied by all International Banks that practice e-transactions.
10.2
I transferred some e-points to another Temporary Status SwissCash Trading Account. We found that we had forgotten the password of that temporary account. What should we do?Please proceed with "forgot password" procedures for the Temporary Status SwissCash Trading Account. There is no possibility of reversing your Internal Transfer.
10.3
Can we do an Internal Transfer from any SwissCash Trading Account to another?Yes you can, other than Temporary Accounts. A Temporary Account may not transfer out funds to any account unless it has been activated.
10.4
Is Internal Fund Transfer free of charge?Yes.
11.0 SwissCash Investment Plan
11.1
What is SIP?SwissCash Investment Plan (SIP) is an Investment Facility provided by SwissCash to investors who do not have know-how in investing in the global market. An investor will invest any amount from a minimum of USD100 for a fixed return that usually averages to 20% of principal investment per month.
11.2
How many SIPs are available for investment in the SwissCash Financial Platform at one time?There can be one (1) or many, depending on investment opportunities available.
11.3
How long will an SIP, for example SIP15300, exist for investors to take part?This depends on the amount of investment that an SIP is targeting. One SIP might target to collect a total of USD500 million while another might target USD5 billion. Once the target is hit, the particular SIP will no longer be available to any investor.
11.4
What happen when any particular SIP is no longer available for SwissCash investors?There will always be an SIP available for Swiss Financial Planners and Consultants to promote and for SwissCash investors to invest in.
11.5
Do all SIPs offer the same returns?Different SIPs pay investors with varying frequency, duration and percentage. However any SIP will yield investors a return of roughly 20% per 30 calendar days.
11.6
Why does SwissCash yield an average for its investors of 20% per 30 calendar days?On average, a period of 30 calendar days will have 20 trading days on the global stock market, commodities and futures markets. Therefore with an average of 1% return per day, 20 trading days will yield a 20% return to our investor per 30 calendar days, almost equivalent to a month.
11.7
Does SwissCash provide transparency on their investment for SIP investors? No. We cannot possibly explain to everyone how we place, invest and trade with their monies. While an individual investor may invest USD1,000, USD10,000, USD50,000 on SIP, Swiss Mutual Fund places investments of tens to hundreds of millions of dollars. The quantum of investment in SIP investment could not possibly allow Swiss Mutual Fund to explain in detail how an individual’s funds are managed.
11.8
How can some investment banks and financial institutions show full transparency to their investors?That is because they do not pay on FIXED RETURN. Your monies move more or less in tandem with market value. You are not assured to earn on your investment. On the other hand, SIP investment shields you from market volatility and guarantees you returns, a reasonable 300% in 450 days.
11.9
It is stated that my investment is guaranteed by Swiss Mutual Fund; how does this guarantee work?Your fixed returns are guaranteed every month through SIP, for example SIP15300. Many conventional investments do not guarantee their investors profit but SIP guarantees profit to the investors as time/period of payment is pre-set upon any investment.
11.10
Is there a "Surrender Policy" for SIP? No. All investment is bound by contract, whereby SwissCash will accept an investor’s principal investment; in return the investors accept the fixed payment schedule as defined by the SIP an investor has chosen. SIPs do not work based on the principal of "Time/Fixed Deposit" offered by commercial banks. No one is able to withdraw his principal investment for a SIP but he/she is eligible to withdraw all the fixed returns at any time.
11.11
What is the difference between commercial banks’ "Time/Fixed Deposit" and SwissCash’s SIP?FD yields you a return of 1-7% per annum depending on the bank, while SIP will yield you an average of 20% per month, equivalent to 240% per annum. You are able to "Surrender" your T/FD contract at anytime and collect back your principal but SwissCash’s SIP does not have a "Surrender" policy. You are not able to collect back your principal midway through or even after the completion of the program.
11.12
What happens to the SIP principal after the 450-day period?Your principal is returned to you as part of your profits every 30 days. There is no more principal returned to you after 450 days.
11.13
Why is SwissCash able to offer such high return for SIP programs??An average return of 20% per 30 days is a normal off-shore return on huge portfolio investment. We diversify SwissCash funds collectively into various portfolios and investment windows that are able to generate us returns beyond the quantum we pay for our SIP, SAP, SRP and SFP. Please read through our www.swissscash.biz and www.swissmutualfund.biz for more information.
11.14
How does SwissCash derive its profit? Firstly, the returns on investment are beyond our SIP, SAP, SRP and SFP commission. Secondly, SwissCash derives extra profit from compounded returns. Your SIP is paid once every 30 calendar days, while the global investment market is traded up to many times daily, 5 days per week and an average of 22.5 days per month.
11.15
Why is SwissCash paying us so little in SIP when your return is so high?We are currently one of the most high-paying legal off-shore investment entities in relation to facilities that cater to the public. We shield your investment from market risk and volatility, therefore 300% in 450 days is considered optimum at this stage.
11.16
Can I invest in SIP using Bank Guarantee or any financial bridging facility?No. All SIP investment is in CASH terms. SwissCash will not assist you in any way to deal with any third party financial institution to fund your investment in SIP.
11.17
I have large fund that I intend to invest in SIP. Do you have a special protocol, or deals or offers? No. All investments are treated the same and will have to go through same channel and procedures.
11.18
As a Muslim (believer in Islam), we are not allowed to invest in corporations that have dealings with industries such as gambling, alcohol, tobacco or any other that is related to unhealthy living. Does your investment cover such sectors?In fact we do not, as these are high risk and low return sectors. Our investments are mostly spread into utilities, I.T., viable project developments, natural resources, agriculture commodities and money markets.
11.19
Does the SwissCash system have auto compounding of the returns/re-investment?No. Re-investment has to be done personally. SwissCash has no rights to force an investor to re-invest his/her return.
12.0 Swiss Affiliate Program, Swiss Revenue Program, Swiss Financial Plan, Daily Interest Payout
12.1
What is SAP?SwissCash Affiliate Program (SAP) is a specially designed incentive for the Swiss Fnancial Panner(an investor whose accumulated SIP investment totals USD1,000 or more) who intends to promote our Financial Facility to the global community. (Click HERE to read more about SAP)
12.2
What is SRP?SwissCash Revenue Program (SRP) is similar to SAP whereby you get to leverage on all the returns from the initial investment of the investors you introduce to SwissCash. (Click HERE to read more about SRP)
12.3
What is SFP?SwissCash Financial Plan (SFP) is a no-limit income opportunity for a Swiss financial consultant to build his or her financial future on the SwissCash Financial Platform. (Click HERE to read more about SFP)
12.4
What is DIP?Daily Interest Payout (DIP) is an added incentive for investors who maintain a daily balance of USD100 in their Swiss E-banking Account provided their accumulated SIP investment is above USD1,000. DIP is not part of SwissCash Investment and Financial Plan. To know more, please log in to SwissCash Investor’s Area and read the Terms and Conditions for DIP.
13.0 Legislation, Legality, Licensing
13.1
Is SwissCash a legal business?Yes.
13.2
Is investing in SwissCash legal for me?That would depends on your, and your country’s, judiciary interpretation of legality. Some countries prohibit their nationals from investing in off-shores while others prohibit investment through Internet facilities. Most financially liberal countries do not prohibit such investments. We do not advise our investors to break any law. As far as SwissCash is concerned, it is a legitimate Financial Facility under SwissMutual Fund’s platform for its global investors.
13.3
Is promoting SwissCash Financial Facility a legal activity?That depends on the rule of the land. We always advise our Fnancial Planners and Consultants who are actively promoting SwissCash to exercise caution and not to hold public meeting or functions unless the law in your country sanctions such moves. Our Terms and Conditions also prohibit investors from "over-promoting," "over-promising" and "over-advertising." As much as we appreciate the excitement that is generated by all our investors, we do not want our investors anywhere in the world to face any problems with regulatory authorities.)
13.4
SwissCash is governed under which jurisdiction?SwissCash is governed under Swiss Mutual Fund’s Terms and Conditions. In return, Swiss Mutual Fund is legally registered in The Commonwealth of Dominica and subjected to its financial legislation.
13.5
Can you provide me with the license number or photocopy of a financial license from a globally recognize financial market, or any reference of your dealings with PLCs around the world?Under Swiss Mutual Fund’s Terms of Use for SwissCash’s global investors, we have decided that no such references will be produced and quoted at any time due to management, security and Privacy Policies & Act.
13.6
Can I get references for Swiss Mutual Fund?No, when you decide to invest in and promote SwissCash, you are governed by the Terms and Conditions of SwissCash. No requests will be entertained for any kind of information pertaining to Swiss Mutual Fund’s dealings and financial matters.
13.7
I tried to search for Swiss Mutual Fund information but could not find any under the Securities Commission/SEC listing.We do not list our entity directly with SC/SEC.
14.0 Taxation
14.1
Is my income from SwissCash tax free?SwissCash advises its investors to manage their income through a legally managed taxation system in their local country. For high net-worth investors with off-shore bank accounts whereby there is no jurisdiction for income derived from investment, it is up to you to manage your financial portfolio.
14.2
Can SwissCash provide paper documentation for my taxation purpose?No. We do not provide such services. SwissCash applies paperless transactions.
15.0 Account Ownership
15.1
Is my account transferable to another investor/new investor?No facility in our system to allows such transfer at the moment. Any personal dealings between investors are beyond our recognition. In any event of dispute or official requirements, we only recognize/acknowledge the person who is legally registered in our system.
15.2
What if I'm dead tomorrow? What will happen to my account?Your SwissCash Trading Account will continue to operate as per normal. In such a case, we will assist the transfer of the account to the new owner if all legal requirements are submitted upon request and to the satisfaction of our management. Investors are encouraged to register their next-of-kin/beneficiary and can do so in their Investor Navigation Area under "Swiss Personal Info- Edit Personal Info."
16.0 Privacy Policies
16.1
Is it safe to provide my valid passport or Government ID information, my home address and phone number to SwissCash?This is not a question of security. This is the responsibility of every of SwissCash investor whenever filling out any online information or upon request by the company to provide such documentary evidence to us to verify your existence and good standing order.
17.0 Terms of Use
17.1
What if an investor is found guilty of breaking any of SwissCash’s Terms of Use?Expulsion/termination from the SwissCash Financial Facility with partial/complete return of their principal investment in mild cases, and complete termination with no return of any of their investment in severe cases such as claiming oneself as representing the company (Swiss Mutual Fund), using advertising material that misleads potential investors, involvement in soliciting funds from the public by capitalizing on the good name of our brand as well as intentionally providing wrongful information during registration. SwissCash views breaking its Terms and Conditions as a very serious issue.
18.0 Advertising and Promotion
18.1
Can I as a SwissCash Financial Planner and Consultant print a business card?You can print your personal business card without using the SwissCash and Swiss Mutual Fund logo.
18.2
Can I advertise this financial facility?No advertisement in any mass media such as brochures, pamphlets, banners, magazines, television or radio is allowed.
18.3
Can I create a personal website to promote SwissCash?Strictly not allowed. You are only allowed to use SwissCash replicating (Personal Financial Site) website: www.swisscash.biz/YOURtradingID (example: www.swisscash.biz/uskjx9988187)
18.4
Can I link my personal/business website to www.swisscash.biz or www.swissmutualfund.biz?No. It has never been our business policy to let a third party website link to our website.
18.5
Is web listing using my SwissCash Replicating Website allowed?Yes.
18.6
Can I set up a chat forum and blog to discuss SwissCash?Yes. No usage of the SwissCash and Swiss Mutual Fund logo or web content is allowed.
18.7
Is spamming (using e-mail to send your replicating website or information about SwissCash to the mass public) allowed?NOT ALLOWED. ANY INVESTOR CAUGHT IN SUCH ACT WILL HAVE THEIR ACCOUNT TERMINATED WITH IMMEDIATE EFFECT.WARNING – SwissCash’s Management has the right to revoke any investor’s membership whenever it is found that the means, methods and motive to promote SwissCash have caused direct/indirect malicious repercussions to SwissCash’s global image and business growth or have broken any financial regulation in their own country.
19.0 Financial Report
19.1
Can I ask for a Financial Report of SwissCash’s fund performance?No. The fact that SIP offers you a fixed return has made it unnecessary to have access to such information.
19.2
How do I obtain information about the progress of my investment?You can log in to your online account and check the progress of your investment through our Swiss Banking Facility and SIP Analysis Report. All reports including SAP, SRP and SFP are provided on a real-time basis.
20.0 SwissCash Appointed Personnel
20.1
Did SwissCash appoint any personnel to assist the growth of SwissCash other than your management team?We only appoint:
A
Swiss Marketing Director – Regionally appointed Marketing Director whose main role is to assist SwissCash opening up new markets in their geographical region. One on every continent. Represents the company..
B
Swiss Technical Director – Regionally appointed Technical Director whose main role is to assist SwissCash to sustain market growth by solving problems that are technical in nature, in their geographical location. One on every continent. Represents the company.
21.0 Inquiries and Customer Service
21.1
Do you accept phone calls and fax-in?No. We do not accept calls and fax from unidentified sources.
21.2
Why?We have built the SwissCash facility using a fully integrated online platform. We expect all requests, complaints and transactions to be carried out in this manner only. We have set up our system in such a way as to build SwissCash into a global financial platform utilizing the best online solutions possible, with periodic upgrades.
21.3
What languages does SwissCash use to communicate with its investors?Only English at this point in time. We do entertain Chinese inquiries from time to time.
21.4
Why do SwissCash and Swiss Mutual Fund do not respond to some of my inquiries?It is most likely that your inquiry is not serious or relevant to our financial facility and organization, or the information which you require is available on our website. We suggest all potential and current investors read through our website thoroughly before posting us inquiries.
Search Information
JOIN SWISS CASH INVESTMENT PROGRAM FOR EMERGING MARKET FUND
Friday, January 19, 2007
Swiss Cash Frequently Asked Question
Monday, January 01, 2007
SwissCash Happy New Year 2007 - A Silent Resolution
My greetings to all SwissCash investors, Swiss Financial Planners, Consultants, and Regional Directors. Year 2006 has been a great one for SwissCash. All the investment strategies implemented by our investment teams have yielded very positive and satisfactory results. Our investors base has grown to hundreds of thousands in over a hundred countries globally. I couldn’t be more satisfied because we have basically achieved all we set out to do and we are already far ahead of our vision and mission. I believe that as the people who are representing and investing in the company, you have enjoyed a tremendous return from SwissCash in 2006 as well, which pleases me greatly.
As I gather information throughout the year from my Department Heads and Regional Directors, much interesting thinking comes my way. I would like to share with you “The Paradoxical Commandments” by Dr. Kent M. Keith because this is a perfect time to reflect, re-think, re-group and re-plan for the year ahead. This set of guidelines has been used by many people all over the world as an inspiration for the past four decades and I hope you will read through it carefully because it has the potential to reflect deeply in your personal life and throughout your financial career with SwissCash.
1. People are illogical, unreasonable, and self-centered. Love them anyway.
Every day we have requests from investors to show our financial reports or all our trading licenses; to provide them with our company’s Profit and Loss Account, our Investment Portfolios, the minutes of our BOD meetings; to hold road shows for them; to create media publicity; or to meet me and visit our offices worldwide. People want to make their own marketing materials, make their own websites to promote SwissCash, build a plan within the SwissCash plans, and make all sort of illogical, unreasonable and self-centered decisions that will benefit only them and bring bad repute and consequences to the company and other investors. Still, we try our best to be accommodating when possible, to help them understand and to love them all equally, as we accept that our investors all come from different cultural backgrounds.
I am sure that only just a few days ago, someone may have asked you if investing in SwissCash is secured. Will the company close next month? Can you please give me a lower exchange rate for the e-points I transact with you? Can you return me your SAP? You were dumbfounded. I can understand why, because you have received your returns punctually for the past five months. You personally know five people who made more than a million United States dollars in SwissCash. And these requests that come your way are breaking the company’s Terms and Conditions. Be patient. Please love these folks. Explain to them with logic and provide the best solutions. If that doesn’t help, move on, someone else is waiting.
2. If you do good, people will accuse you of selfish ulterior motives. Do good anyway.
SwissCash and Swiss Mutual Fund have been accused by many unscrupulous parties and individuals of being a fraud, a scam, operating without a license, and operating with the agenda of reaping money from the public, and all because of the high returns we offer. Nevertheless we continue to build this business to a greater level every day, making those outside our circle more envious of our success. Yes, we continue to pay more than what conventional investment products are currently paying, because our obligation is to deliver the best return to our investors.
It may happen that, with the very best of intentions, you are enthusiastic to share SwissCash with your best friends and relatives. They look at you suspiciously as if you want to cheat them of out their money. Do not be alarmed or shocked. Move on to share this wonderful financial platform with those who are able to treasure your time and help.
3. If you are successful, you will win false friends and true enemies. Succeed anyway.
Today you have more financial freedom than you had 6 months or 12 months or 20 months ago. You notice a few more people trying to be your best friend, to be your new business partner, to help you manage your new-found wealth, and so on. This is only natural; it is human nature to want to associate with the rich and successful. At the same time, you earn yourself a few enemies who are jealous of your success. People badmouth you; people hope your business fails. You succeed anyway. I want you to ignore these negative influences; continue building and focusing on your strengths to continue your success in achieving your financial goals with SwissCash.
As for the company, SwissCash has been performing well for the past two years. We have enemies hiring top hackers to attempt to invade our site every day. We have “SwissCash copycats” around the world operating without proper license trying to associate their operation with ours. We have people spreading lies over the Internet and in other mass media to discredit us. We fail to respond to them, and we succeed anyway. Churchill had his critics. So does Sony Play Station 3. Microsoft has many enemies and their software has many loopholes. These people succeed anyway. Accordingly, we let our results become our testimonial and we leave it to our investors to defend our performance.
4. The good you do today will be forgotten tomorrow. Do good anyway.
Some Swiss Financial Consultants have become multi-millionaires, and have gone on to forget the true vision of SwissCash. Some have turned their back to attack the company because of some other personal agenda. Some have launched attacks on the personality and leadership of their “up-lines.” This never has and must not stop us, and you, from performing our best for each other. Each day we continue to provide a better financial platform than the day before. We don’t complain to you how tired our team are at times, how many late hours we put in so that you may have 98.7% (average for the past 365 days) up-time for your online financial site, and so that you may continue to receive high returns for your SIP, SAP, SRP, SFP and EMF. SwissCash has never fallen short of doing good and supporting its genuine investors. Rather than expending energy claiming credit for their achievements, the SwissCash team and Swiss Mutual Fund would prefer to concentrate on congratulating our investors for helping this company to achieve the level it has reached today.
5. Honesty and frankness make you vulnerable. Be honest and frank anyway.
We tell the truth to our investors. Does SwissCash have problems or issues every now and then? You bet we do. When we have a problem with our website security system, we locate the problem and we solve it. We have instituted plans to upgrade our system to make it more secure, but that doesn’t mean that we will never have any more problems. Effective December 1, 2006 we have discontinued receiving Incoming Wire Transfers from global investors as we are not able to enforce a strict KYC (Know Your Customer) policy through the current online platform. We were able to foresee we might face issues with regulators in some countries in the future, and that’s not acceptable to us. We have provided a long-term solution by launching a global dealership system, which will take a little time to fine tune and get running smoothly. This has predictably resulted in hearsay of SwissCash winding up, while nothing could be further from the truth. We have been upfront in revealing our problems, and at the same time we have come out with practical solutions for the next five to ten years. Mature investors will not have knee-jerk reactions when we tell you about our issues; you will instead judge us by results and solutions.
I can proudly say that SwissCash has paid every single cent to every investor. At times some issues do of course arise due to human error and unavoidable circumstances. The price of honesty and frankness may make us look vulnerable to outsiders, and even to some of our new investors at times. Nevertheless, we choose to be honest and frank anyway. It has never been the policy of this company to mislead our investors; likewise we appreciate our honesty and frankness being returned with good faith. As it is – so far investment has been growing at an exceptional pace!
6. The biggest men and women with the biggest ideas can be shot down by the smallest men and women with the smallest minds. Think big anyway.
Many Financial Consultants around the world say that it is impossible for us to maintain a global financial framework that pays 300% returns in 15 months for our SIP for up to 6 months, then 8 months, then 12 months, then 15 months; mind you at 20 months we are still growing stronger than ever. Some have set their own timelines for us to wind up or close down, because according to their current investment knowledge such returns are not possible, but these self-set deadlines have been extended and re-extended many times over. I tell you, put your money on it, they will be extended again! Not to be defeated, critics are now saying that we cannot continue to keep our overhead low in the coming years as we globalize, and that the performance of our investments will not be as consistent as it has been for the past 20 months, predicting that we won’t be able provide such high returns in the future. We, however, continue to think big, especially after launching EMF in December 2006.
I have read that people are saying that the launching of EMF signals the company’s desperation for new funds, but those of you who have been with us since 2005 know that this launch has been in the works since my 2005 year-end speech. EMF grew by an average of 25% in December 2006 alone... critics are again saying that this is phenomenal and impossible to maintain over the next few months. Likewise some short-term investors have sold their portfolios, well satisfied with such a lucrative return in a matter of weeks, but let me remind you to think big. It is you who think big, who are not shot down by the “smallest of men and women,” who are going to make the most money in SwissCash!
Remember when you first heard about SwissCash and you shared this investment opportunity with your friends and your spouse who were supposed to be more knowledgeable about international investment and financial markets than you were? They thought you were crazy; they said this company would close down within three months and rip everyone off, because they’d had bad experiences with off-shore investments before. Still, you carried on because you Think Big. You should be very proud of yourself that you think big in the first place. I congratulate you because if you hadn’t, you would not be reading this news today, and you would not be marching into 2007 in a better financial state than in 2005 or 2006. Einstein was mad. Newton was mad. Darwin was mad. Orville and Wilbur Wright were mad. They are all laughing from heaven now. So, continue to think and dream big!
7. People favor underdogs but follow only top dogs. Fight for a few underdogs anyway.
People say Swiss Mutual Fund if true to its statistics should have been public listed long ago, and should also be more accessible and transparent to the public. Let me ask you if you know that the world’s ten most profitable financial institutions are all privately owned and located in off-shore jurisdictions, and are not recognized by top financial journals and magazines. They keep a very low profile for their operation and investment portfolios. They have their own investment strategies and they help manage billion of dollars of funds on behalf of world’s richest people.
People tend to follow top dogs because they dare not take risks; they prefer the status quo, which is what they were taught in financial school 20 years ago, and what they read every day in newspapers and journals. They want a safer return, a more predictable return on their investment by following the conventional basic parameters, structure and protocols. We say go ahead; there is nothing wrong with that path if you are comfortable with the returns. SwissCash is for those who want an alternative return for their investments. SwissCash is for those who dare to take a higher risk for a higher return. In fact SwissCash is now offering a fixed return product and a non-fixed return product. Still, SwissCash is not for everybody. SwissCash is for those who believe and want to fight for underdogs, those who can foresee an already changing global investment trend.
Your personal financial planner advises you to invest in structured products, mutual funds, insurance retirement funds, real estate and stock markets offered by international Tier-1 financial institutions. If you are already into those investments, I congratulate you because those are good investments. Trust me, I mean it. But you have made an even better investment in SwissCash because you believe in yourself, and this is an indisputable truth as well. Thank you for believing in me and in SwissCash. Thank you for not just following top dogs but also giving underdogs a chance. Make sure you continue to share your success story with others!
8. What you spend years building may be destroyed overnight. Build anyway.
Let me tell you a true story. Swiss Mutual Fund was never assured of how successful SwissCash would be when we start planning this global financial platform in 2003. I for one could not have imagined SwissCash would be so widely accepted and grow so robustly in so many regions when I was appointed the Chief Financial Officer in 2004. Swiss Mutual Fund could have lost hundreds of millions of dollars had this project failed miserably – there were so many issues to consider, so many problems to solve and so much financial backing needed to start SwissCash, and even to maintain it now. I am amused when I read in some uninformed third-party forums or blogs or local media publications that SwissCash is a simple pyramid scheme with Internet investment facilities. It actually pleases me; what it indicates is that on the surface, everything looks so simple! Had we not structured this whole financial platform so brilliantly and spent so much money on so many key solutions, SwissCash would not have made it here, perhaps would never have taken off.
Still, despite many uncertainties, we build. And this team doesn’t just build; we have built one of the most successful online financial platforms in current time. Had the company never taken any risk, had this team never started building, there would be no today. But thanks to our commitment and vision, we are still building this financial facility with you, stronger than ever!
There are people discouraging you from investing and continuing to build your financial dream with SwissCash because they claim based on their own past experience and current expertise that your dream might evaporate. Let me ask you how much they know about SwissCash, and how much you know about SwissCash? Ask no one but yourself. SwissCash is an online financial “mega-structure.” A mega-structure takes time to plan, money and expertise to build and manage, and will not collapse overnight. One can always live in fear if that is the way one sees life; it is either the fear of trying and failing, or the fear of not trying. If anything, I would choose the latter. My point is, build anyway. And don’t just simply build, build a solid financial network in SwissCash because it is your financial future – build with confidence and pride!
9. People really need help but may attack you if you do help them. Help people anyway.
Tens and hundreds of thousands of investors have become better off and thousands have become SwissCash millionaires, but still many get on our case for not helping them enough. For not giving in to their demands. For not following their suggestions and ideas. For not providing sufficient tools and facilities to make them instant millionaires. For not providing more financial products for them to market. For not processing their out-going money transfers fast enough. For not paying them more. For not replying to their emails instantly. For not replying to their telephone calls. For our regional directors not being helpful enough. Still, we never stop helping people who want to help themselves. Still, we grow at our own comfortable pace as we planned, secure in the knowledge of what is best for our company and our investors.
If this company were to be swayed by the ideas and demands of all of its investors, coming as they do from more than a hundred cultural backgrounds, I would tell you today to leave SwissCash at once! We help people in the ways we know best and I expect the same from you.
10. Give the world the best you have and you'll get kicked in the teeth. Give the world the best you have anyway.
Please continue to share SwissCash with everyone. Help those you know as well as those you do not yet know. There will always be somebody who dislikes you. Dislikes you because you are rich, because you invested much earlier, because you work harder and because you are actively promoting SwissCash. Nobody is perfect, you and me included; give the world the best you have anyway. The world will do you good in return. I have never met someone who has always given it his or her best, and yet failed in everything he or she does. It just doesn’t happen that way.
Through our nearly two years in the global market, we have fully understood that no matter what we do, no matter what we say, no matter how fast and how much we pay, no matter how hard we try, no matter how well we plan, life is never perfect. We will never be the perfect company for everyone. We will always have new issues because the world is dynamic. The world is getting flatter day by day in certain regions, but at the same time borders and walls are being created in another part of the world. We will never be able to satisfy all parties, because SwissCash is a global “mega-structure” financial platform. In spite of all this, we pledge to continue to give the world the best we have.
Last year, I promised you that 2006 would be a growth year for SwissCash, and I was very right. I also promised you a new financial product for SwissCash by 2007, and EMF was launched in December 2006. I promised that every one of you would regret it if you didn’t hold at least 10,000 shares of EMF on December 1st, and so far that has proven true as well. Many are waiting to purchase more EMF shares. I am promising you now that EMF is an even bigger financial project than SIP, and 2007 will be a witness to it.
During my last meeting with the SwissCash and Swiss Mutual Fund management team before Christmas, we highlighted three very important milestones to be achieved in 2007:
1. An ongoing evolution of SwissCash into a global brand;
2. The diversification of the SwissCash financial platform by the introduction of several new financial products; and
3. The growth of SwissCash payment solutions that will cater to the needs of many people from every region and every walk of life.
Rally behind me, support this team to make SwissCash unrivalled. May all your New Years’ resolutions come true. Remember to continue building a healthy family, a wealthy family and a very successful future with SwissCash. Always proceed with pride, dignity and all honesty.
Again, I thank everyone for their support and understanding in the year 2006 and I congratulate all who together with us march into 2007 with renewed visions, aspirations and resolutions.
Humbly serving you always and in all ways,
Michael Mansfield and the whole SwissCash and Swiss Mutual Fund Management Team
Thursday, December 21, 2006
Introduction The Emerging Market Fund (EMF) for SwissCash Members Only
| Introduction | ||||||||
 The Emerging Market Fund (EMF) was created by SMF on November 1, 2006 with an objective of long-term capital growth spurred by investing mainly in diverse projects, equity securities, and any promising opportunities in emerging markets around the world. Investment will take place either directly or through third-party investment vehicles and channels.Current Focus Market: Argentina, Brazil, Mexico, Egypt, Libya, South Africa, Estonia, Hungary, Latvia, Poland, China, India, Malaysia, South Korea, and Vietnam (the management reserves the right to make changes depending on its evaluation parameters). | ||||||||
Scope of Investment Biotechnology, Biofuel and Renewable Energy, Information Technology, Finance, Infrastructure, Lumber, Manufacturing, Minerals, and Plantations (the management reserves the right to make changes depending on its evaluation parameters). | ||||||||
| Fund Size Unlimited until further notice. | ||||||||
What Are the Benefits?
| ||||||||
| Investment in EMF Is a Long-Term Commitment EMF is aimed at aggressive investors who want the investment benefits of diversifying into emerging market economies, who can accommodate short-term fluctuations (including the possibility of negative returns), and who want to invest in longer-term growth potential. | ||||||||
 Comfort with RiskAny investment decision involves taking risks. It is important to understand the relationship between risk and return, especially in light of the timeframe you have in mind for your investment. As a general rule, the higher the level of risk associated with an investment, the higher the potential return, although the chance of incurring a loss will also be greater. Historically, over the longer term, stocks provide higher returns (and therefore risk) than most other asset classes. A commonly used measure of investment risk is volatility. This refers to the tendency of investment values to fluctuate. This volatility can apply to both the market price and the income from a particular investment. So, the value of your investment may go up or down, and you might not recover the full amount you invested. Please be aware that your investment is volatile and not guaranteed. | ||||||||
More About Risk The investment processes used by the Swiss Investment Team are designed to ensure risk management on a number of levels. Investors should be aware that there are a number of risks associated with this type of investment. We have summarized four key risks: 
| ||||||||
 Who Can Invest?SC financial planners (an investor who has invested a minimum of USD1,000 in SIP). How Much Do I Invest? Minimum - 10 shares Maximum - 10,000 shares per account between December 1, 2006 and February 28, 2007; this will increase to 100,000 shares per account on March 1, 2007. How Does It Work? You purchase a number of shares in EMF to become a shareholder. The value of your shares goes up or down according to the EMF net asset value. Shares are valued every few minutes. | ||||||||
 Share Price ValuationEMF share price is calculated by dividing the net asset value (assets less liabilities) by the number of shares issued across all EMF investors. This price is then adjusted by the buy/sell spread to calculate a buy and sell share price, which represents the cost of buying and selling investments. The spread is designed to protect existing shareholders from transactional expenses, such as brokerage and settlement costs and annual management fees. Currently, the spread between the buy and sell price has been capped at 3% of the sell price. (Example: If the sell price = USD1.00/share, the buy price cannot exceed USD1.03/share.) | ||||||||
Investment Strategies
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Wednesday, December 20, 2006
Planning in Emerging Market Fund for SwissCash Member
| Plan | ||||||
Besides buying EMF shares at a low price and selling them at a higher value, SC financial planners have an equal opportunity, on a daily basis, to earn extra income from the EMF Plan. Financial planners who have built a network of Swiss Financial Plan (SFP) investors may also earn from the EMF Plan by leveraging the same network. Their income from the EMF Plan, however, depends on two factors: | ||||||
One – The Number of EMF Shares You Hold on a Given Day
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Two – The Value (Number of Shares x Share Price at Daily System Closing Time) of EMF Shares on Your Left and Right Networks on a Given Day
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Thursday, December 07, 2006
EMERGING MARKET FUND BY SWISS MUTUAL FUND
Dear Swiss Investors, Financial Planners, Consultants and Directors:
It is with great pleasure that I announce the second SwissCash financial product, the Emerging Market Fund (EMF), which will be officially available to all SwissCash investors, Financial Planners, and Consultants on December 1, 2006. We will continue to offer the Swiss Investment Plan (SIP), the SwissCash proprietary investment plan, to all investors as usual.
EMF was created on November 1, 2006 by Swiss Mutual Fund through internal funding and is currently trading in some of the most lucrative emerging economies around the world. We will make this fund available to you at USD1.00 per share for the first seven days of December 2006. On December 8, 2006, trading will resume as normal at the net value price per share of the fund.
Our investment team forecasts a long-term growth rate of no less than 100% average per year for EMF. I must remind you that, unlike SIP, investment in EMF comes with market volatility and other risks, however one would regret not holding at least 10,000 EMF shares!
Detailed information will be available on December 1, 2006 in your investor login area.
Best wishes to all,
Michael Mansfield
Chief Financial Officer
SwissCash International Ltd
EMERGING MARKET FUND FIRST ANNOUNCEMENT
1st Announcement
Effective today, we officially launch SwissCash dealership. SwissCash dealers have been appointed on a trial basis for a number of months now, but only made official today. There are currently about 50 appointed dealers worldwide.
SwissCash dealers are appointed by the company to trade Swiss e-points with investors worldwide who want to invest in SIP and EMF as well as any other new financial products to be offered in the future. Dealers have marginal benefit from the company for the service they provide to global investors.
With the official announcement of SwissCash dealership, Swiss Mutual Fund will no longer accept Incoming Wire Transfer Funds from global investors. All transactions will now have to go through our appointed dealers. This will give room for our dealers (and investors, to some extent) to build a strong marketing channel and network. Our dealers will also form the backbone of the upcoming Swiss Payment Gateway. Within the next 18 months, we plan to launch our exclusive Payment Gateway Solutions that will give accessibility to many reputable investment companies and provide database sharing benefits for all.
Downside:
For security reasons, the particulars of SwissCash dealers will not be displayed on the SwissCash website. New investors in territories where SwissCash is not yet well established with local dealers could have less opportunity to become actively involved in our Financial Platform.
Solutions:
SwissCash believes in integrated and sustainable growth of its Financial Planners and Consultants. As time goes by and as the Swiss Investors network grows, more dealers will be appointed and this will facilitate more and more transactions. Within the next 2 to 5 years, there will be a strong network of dealers who will work closely with the company to promote many of its financial products. Dealers would also serve as watchdogs for Regional Directors for any undesirable promotional tactics by those unscrupulous investors who violate the Terms of Use of SwissCash as well as its good name.
Who can apply to be a dealer?
Any Swiss Financial Consultant in any region who has achieved a SFP Income of USD100,000 per month (subject to approval after thorough “Know Your Customer” protocols and recommendation from Regional Directors).
2nd Announcement
Swiss Mutual Fund has out-sourced some SwissCash “Out-Going Money Transfers” utilizing third party vehicles for the past three (3) months in Asia, Africa, Europe, America and Latin America, with minor glitches. The results are satisfactory to our panel of consultants. Therefore, effective 1st December 2006, we will out-source all SwissCash “Out-Going Money Transfers” to various third party vehicles in these continents to facilitate prompt payments and economical transaction charges to all investors.
Conclusions – SwissCash Moving Ahead
These two milestone decisions are made after careful considerations:
- We currently have about 170,000 investors in 6 continents, growing at a rate of 20-30% on a monthly basis.
- We have received 1,270 “Incoming Wire/Telegraphic Transfers” on average per day for the past 30 banking days from customers/investors on whom we have not performed any proper KYC procedures, other than Online Registration. People are just so excited about investing in SwissCash. We expect this amount to double every six (6) months.
- We have performed up to 1000 “Out-Going Money Transfers” on average per day for the past 30 banking days. These transactions are expected to increase fourfold over the next 6-12 months, especially after the launch of EMF and other financial products.
- We are in need of a more structured, but economic and hassle-free support system as we globalize, in addition to the few regional directors we currently appoint.
- It had already been our plan to leverage on Swiss e-Banking Solutions to fully enhance its potential into a global payment solution that supports not only the Financial Products of SwissCash but also other Investment Portfolios that carry the same reputation.
- In view of all these factors, it is the feeling of our panel of consultants that by building on a strong dealership channel and global network, we can grow towards our vision in a shorter period of time.
- By out-sourcing Out-Going Payments to regional parties, we believe the transactions can be executed with less hassle, faster and more economically in the long run.
With these Transactional Facilities handled by reliable parties, we at SwissCash look forward to producing a higher return on your investment by concentrating on 3 main issues:
1. Producing the best return for your investment.
2. Introducing Innovative Structured Investment products on a yearly basis.
3. Providing a reliable transactional platform modeled after our Swiss e-banking facility. Plans are in review to transform Swiss e-banking into a global platform. [or, along the lines of or just with]
By focusing on “What We Do Best = Our Strength,” we at SwissCash are more confident than ever that we will continue to deliver the best of financial opportunities to you.
Regards,
Regards,
Michael Mansfield
CFO
SwissCash International Ltd.
Tuesday, November 28, 2006
SwissCash: Leading with Edge
Dear Investors,
GREETINGS from me, and heartiest congratulations to all Financial Consultants, Planners, and Directors for your financial and personal achievements. SwissCash has achieved remarkable and phenomenal growth over the past 20 months (April 2005 to December 2006) across many regions of the world as a result of your commitment and our reliable investment strategies. It has outperformed all targets and expectations. After more than 30 years in the financial market, I have never seen a financial platform with so little to offer as SwissCash, successfully growing in the right direction and promising to offer so much more in the future. Yes, you heard it right, there is so much more to offer!
The success of SwissCash around the world has given rise to a number of issues:
1. Other financial entities similar to SwissCash have begun promoting similar investments using SwissCash as a model.
2. Some scams run by irresponsible individuals have created products that look like SwissCash and promoted them to unknowing investors, claiming they are genuine.
Let me outline how we are different and how we intend to stay ahead:
1. We use the right investment models to invest in opportunities with the lowest risk and highest return, with low- and no-tax regimes.
2. We associate with the right partners who can provide us with investment channels through their vehicles, resulting in high return with low risk.
3. We incorporate ourselves in jurisdictions that offer the most flexibility for the way we manage our investment portfolios.
4. We use the most economical and flexible banking and financial channels for our investments.
5. We use very efficient methods to manage our funds so we are exempt from many unnecessary fees, taxes, and regulatory protocols that could limit our investment potential.
6. We use the latest online Web-based technologies with little involvement of physical offices and hardcopy documents; therefore, our overhead is extremely low.
7. We continuously release new, innovative financial products that add value to our investors’ financial portfolios.
We translate all these into a higher return for our investors and our own profit. Certain financial managers would view our techniques and methodology as market-unfriendly and market-untransparent. However, we view success as equal to good returns. We view good investment as equal to good returns. For the last six decades, Swiss Mutual Fund has worked with a host of corporate entities to provide such lucrative returns. Through SwissCash, its vehicle to global investors, we have proven the same success story can be repeated. Therefore:
1. With regard to other financial institutions offering similar platforms:We advise those seeking to invest to do so with caution, as those other institutions might not be able to perform up to SwissCash standards, though they might claim to deliver more. If you do not achieve the kind of return that was promised, we warn you in advance that they are unlike SwissCash.
2. Regarding the scams run by irresponsible parties that have created products that look like
SwissCash and promoted them to unknowing investors, claiming they are genuine.We strongly recommend staying away from such investments, given their illegality and very high risk. I personally have received complaints from investors who have invested in such scams, believing those companies provided services as good as SwissCash; they lost their money. We warn you that those companies are not like SwissCash, and you risk losing money in any future investments with them.
My recommendations are not intended to interfere with personal choice. But when other investment companies associate themselves with SwissCash, it becomes my obligation to point out the differences and risks. In Swiss Mutual Fund and SwissCash, we believe in only telling you what we can achieve and, by associating with us, the added value we can bring to your life and financial freedom.
Kindly wait for my announcement at the end of November 2006 of a second SwissCash financial product that will bring this platform to another level of competitiveness, excitement, and achievement!
Thank you for your kind attention.
Best regards,
Michael Mansfield
Chief Financial Officer
SwissCash International Ltd
EMERGING MARKET FUND BY SWISS MUTUAL FUND
