Invest Smart — Protect Your Money and Make It Grow Tax-Free in Mexico
Global investment portfolios backed by BlackRock and Allianz. Enjoy tax-efficient growth under Mexico’s investment laws — without the SAT headaches.
Smart Investment
Grow your money through globally managed portfolios with professional oversight.
Tax Efficiency
Reduce or defer taxes with plans that qualify under Mexico’s fiscal incentives.
(similar to a 401(k), IRA & Roth IRA)
Flexibility
Choose liquidity, long-term growth — or both. Your investment is legally protected in Mexico.
Choose the Plan That Fits Your Investor Profile
Allianz OptiMaxx Elite
Designed for successful investors seeking flexibility, short-term growth, and tax efficiency.
Minimum Investment:
MXN $300,000
Time Horizon:
No minimum holding period
Investment Options:
8 global strategies in pesos, U.S. dollars, and euros, including:
- Fixed Income: Mexican government bonds (CETES, UDIbonos), U.S. Treasury Bonds, and Euro Bonds
- Equities: IPC (Mexico), S&P 500 (U.S.), and Euro Stoxx 50 (Europe)
Tax Advantages:
- Tax-Deferred Growth: You don’t pay taxes on your gains until you withdraw
- Tax-Exempt Option: No taxes on earnings if held for 5 years and after age 60
- Inheritance Advantage: Proceeds are tax-free for beneficiaries, since it’s legally treated as a life-insurance policy
Legal Protection:
Assets are legally unseizable (protected as a life-insurance contract)
Allianz OptiMaxx Premier
Built for consolidated investors seeking long-term growth and portfolio diversification.
Minimum Investment:
MXN $100,000
Time Horizon:
5 years or longer
You may withdraw earlier, provided at least MXN $100,000 or 10% of your original balance (whichever is higher) remains invested for 5 years
Investment Options:
51 global ETFs including:
- Sector & Thematic: Nasdaq 100, S&P 500, healthcare, clean energy, robotics, and more
- Regional: Europe, Asia, Canada, and emerging markets
- Commodities: Gold, silver, oil ETFs
- Fixed Income: Government and corporate bonds in MXN, USD, and EUR
Bonus:
Receive an extra 7.5% on your initial investment when investing over MXN $250,000
Tax Advantages:
Tax-Deferred Growth: No taxes on earnings while funds remain invested.
Additional Benefits:
- Capital Protection (in case of death): Coverage up to MXN 1.5 million against market loss
- Trust-Based Structure: Funds are held in a trust, legally protected from seizure (except in cases like child support obligations)
Allianz OptiMaxx Plus
Ideal for forward-thinking investors who want to start building wealth with discipline and fiscal benefits.
Minimum Investment:
MXN $2,000 per month
Time Horizon:
10 years or longer
Withdrawals allowed after 18 contributions (monthly or advanced)
Investment Options:
19 global portfolios including:
- Fixed Income: CETES, UDIbonos, U.S. Treasury Bonds, and Euro Bonds
- Equities: IPC, S&P 500, Euro Stoxx 50
- Sector: Nasdaq 100, clean energy
- Regional: China, Brazil, and emerging markets
- Commodities: Gold
Bonus:
Receive up to 100% of your first annual contribution as a welcome bonus
Tax Advantages:
- Tax-Deferred Growth: No taxes on earnings while invested
- Tax-Exempt Option: Withdraw tax-free after 5 years and age 60
- Two Tax-Deductible Options:
- Deduct up to 10% or 5 UMAS (~MXN $206k in 2025) of your annual income (Mexican income — if earning in Mexico)
- Deduct up to MXN $152,000 per year of your annual Mexican income — whichever applies, depending on your plan type
- Inheritance Advantage: Tax-free for beneficiaries as it’s considered life-insurance coverage
💡 Note: There are 3 different legal frameworks (Articles 93, 151, and 185 of the Mexican Income Tax Law) — each offers distinct tax benefits that can be combined (one contract per article).
Legal Protection:
Assets are legally unseizable (protected as life-insurance policies).
How Tax-Efficient Investing Changes Everything
Here’s what happens when you invest the same amount — but use Mexico’s tax-efficient investment structures instead of regular taxable accounts.
The difference? It’s not small — it’s how much more of your money actually stays yours.
| Year | Annual Investment | Taxable Account (cetes, bank, brokerage) | Tax-Deferred (ISR 93) | Tax-Exempt (after 60 + 5 years) |
|---|---|---|---|---|
| 1 | $100,000 | $107,000 | $110,000 | $110,000 |
| 2 | $100,000 | $221,490 | $231,000 | $231,000 |
| 3 | $100,000 | $343,994 | $364,100 | $364,100 |
| … | … | … | … | … |
| 8 | $100,000 | $1,097,799 | $1,257,948 | $1,257,948 |
| 9 | $100,000 | $1,281,645 | $1,493,742 | $1,493,742 |
| 10 | $100,000 | $1,478,360 | $1,753,117 | $1,753,117 |
| 10 (Total) | $1,000,000 | $1,478,360 | $1,666,629 | $1,753,117 |
💡 Tax-Deferred means you only pay taxes when you withdraw, so your money compounds faster.
💰 Tax-Exempt means you never pay taxes on gains — if you hold the plan 5+ years and after age 60.
Either way, you keep up to 20% more of your gains compared to a regular investment — and you can legally invest in ETFs and tax-efficient structures without needing a Mexican brokerage account.
(Example: based on a 10% annual return and 30% tax rate)
Who Backs These Investment Plans?
These investment portfolios are backed by Allianz — one of the largest and most trusted financial institutions worldwide.
🇩🇪 German company with presence in 70+ countries
🏦 Over 130 years of financial experience and stability
🥇 Ranked #1 insurer for 7 consecutive years
💼 Globally diversified investment options tailored to your goals
💰 Welcome bonus of up to 100% of your first-year contribution
🛡️ Fully regulated by CONDUSEF and the CNSF (Mexico’s financial authorities)
About Donna
We are a boutique financial consultancy based in Mexico City, helping expats protect their wealth and invest with confidence — locally and globally.
Beyond investments, we help you safeguard every part of your financial life.
We partner with top-tier global insurers and asset managers to offer:
👔 Business Insurance
🏥 Private Health Insurance
🏡 Home & Property Protection
🚗 Car & Luxury Vehicle Coverage
✈️ Aviation, Jet & Helicopter Insurance
🛥️ Boat & Yacht Coverage
Every plan is backed by trusted international partners — including Allianz, Axa, Bupa, GMX, GNP, MetLife, and Seguros Monterrey — ensuring transparent, compliant protection for you and your assets in Mexico and abroad.
Build Your Tailored Investment Plan
Ready to start investing — or need help choosing between options?
Answer a few quick questions and we’ll design a personalized strategy based on your goals, timeline, and tax situation in Mexico.
What Our Clients Say
Join the people who trusted us — and now have the peace of mind they were looking for.
@sandrapolo
Sandra
The customer service is incredible! Everything flows with such clarity and transparency, you instantly feel at ease.
Daniel is always there with a smile — ready to help you when you need him most.
@mareyesri
Miguel
If you’re looking for an investment plan that fits your needs, with great returns and personalized support — this is it!
I loved how everything was explained in a super friendly and easy-to-understand way. 100% digital too.
@alan.dop
Alan
I was trying to reduce my company’s tax burden, and Daniel helped with that — plus my retirement plan and insurance policies.
Health, auto, everything. Total win!
@almapalaciosad
Angélica
I used to have an insurance agent who only offered whatever worked best for him.
After shopping around, I found this service — and it blew past my expectations.
I’m confident I made the best choice for my health insurance.
@soydanieldrr
¡Hola! I’m Daniel Robles
Let’s build your investment strategy — one that grows your wealth and minimizes your taxes in Mexico.