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