Could you be more specific with the schemes themselves?
It will always have to be balanced, so for a greater advantage, there must also be an equal disadvantage.
For example:
Zero Tax
Effective tax percentage - 0%
Dividends - 0%
Withdrawal times - 7 days
Total deposit limit - $1,000,000
All-rounder
Effective tax percentage - 2%
Dividends - 0.5%
Withdrawal times - Medium
Total deposit limit - 24 hours
Heavy Dividends
Effective tax percentage - 3%
Dividends - 5%
Withdrawal time - 14 days
Total deposit limit - $10,000,000
Quick Access
Effective tax percentage - 1%
Dividends - 0%
Withdrawal time - Instant
Total deposit limit - $2,500,000