Tax-Efficient Investments for Expats in Mexico 🚀
At Donna, we help expats grow their money safely and efficiently — with global portfolios, tax benefits, and professional guidance every step of the way.
Explore Our Investment Plans
Premier
Built for consolidated investors seeking long-term growth and portfolio diversification.
Minimum Investment:
MXN $250,000
Time Horizon:
5 years or longer
Lock-In Period:
5 years;
MXN 100,000 or 10%, whichever is higher
Investment Options:
51 global ETFs
Bonus:
7.5% on your initial investment
Plus
Ideal for forward-thinking investors who want to start building wealth with discipline.
Minimum Investment:
MXN $2,000 per month
Time Horizon:
10 years or longer
Lock-In Period:
18 monthly contributions
(can be prepaid)
Investment Options:
19 global portfolios
Bonus:
Up to 100% of your first annual contribution
Elite
Designed for successful investors seeking flexibility and short-term growth.
Minimum Investment:
MXN $500,000
Time Horizon:
No minimum holding period
Lock-In Period:
No lock-in period;
You always have full liquidity
Investment Options:
8 global strategies
Bonus:
No
Financial freedom starts with one smart decision —
investing wisely. 🚀
What Can I Invest In?
You’re in control. Choose Fixed Income for greater stability, or Equities for higher long-term growth potential.
Which Option Fits You Best?
- Fixed Income – Perfect if you value security and predictable returns. These portfolios focus on government and corporate bonds, available in:
- MXN (Pesos): CETES, Udibonos, and bank notes.
- USD (Dollars): U.S. Treasury Bonds.
- EUR (Euros): European Government Bonds.
- Equities – For investors seeking higher growth potential through exposure to the world’s leading companies:
- USD (Dollars): S&P 500 – the 500 largest U.S. companies.
- EUR (Euros): Euro Stoxx – key corporations across Europe.
- MXN (Pesos): NAFTRAC – a fund tracking Mexico’s most representative companies.
Who Manages the Investments?
Your money is invested in ETFs (Exchange Traded Funds) — globally diversified instruments that replicate the performance of major financial markets.
Some of the 51 available options include:
- AZ | All Country World Index (ACWI): exposure to companies across the entire world.
- AZ | Nasdaq (QQQ): the 100 most influential tech companies in the United States.
- AZ | Clean Energy Sector (ICLN): leading companies in renewable and clean energy.
- AZ | Socially Responsible Companies (DSI): firms committed to environmental and social responsibility.
ETFs vs. Mutual Funds
😃 ETFs
(Index Funds)
Management:
Passive.
Automated — mirrors global market indexes.
Fees:
Low.
Fewer operational costs.
Performance:
Strong.
Moves in line with the overall market.
Risk:
Lower.
Naturally diversified.
Transparency:
High.
You always know what you’re invested in.
Mutual Funds
(Actively Managed) 😧
Management:
Active.
Manually managed by fund managers.
Fees:
High.
Due to active management costs.
Performance:
Usually lower.
Few funds outperform the market long term.
Risk:
Higher.
Depends on the manager’s strategy.
Transparency:
Low.
You don’t always know where you’re investing.
Who Backs Your Investment?
Your contract is backed by Allianz, one of the world’s largest and most trusted financial institutions.
With over 130 years of experience, presence in 70+ countries, and millions of clients worldwide, Allianz manages trillions of dollars in global assets and maintains strong technical reserves to ensure your investment is secure.
Why Invest Through an Insurance Company Instead of a Brokerage?
- Legal Protection: Your funds are shielded from seizure or legal claims.
- Financial Strength: Backed by technical reserves that guarantee solvency.
- Tax Advantages: Access to exclusive tax exemptions and deductions.
- Regulation: Supervised by CONDUSEF and CNSF, Mexico’s financial authorities.
Legal and Tax Benefits
Premier
Tax Deferral:
No taxes are paid while your funds remain invested.
Tax Exemption:
Not applicable.
Inheritance:
Includes downside protection of up to $1.5M MXN against market loss.
Tax Deductibility:
Not applicable.
Trust Protection:
Funds are protected under a trust structure and can’t be seized — except in cases of legal or maintenance violations.
Plus
Tax Deferral:
No taxes are paid while your funds remain invested.
Tax Exemption:
Tax-free if the plan lasts 5 years or longer and the policyholder is over 60 years old at withdrawal.
Inheritance:
Completely tax-free for your beneficiaries.
Tax Deductibility:
Yes, optional.
Can be treated as a retirement savings plan under Mexican tax law.
Creditor Protection:
Yes. Considered a “retirement insurance plan”, and legally exempt from seizure.
Elite
Tax Deferral:
No taxes are paid while your funds remain invested.
Tax Exemption:
Tax-free if the plan lasts 5 years or longer and the policyholder is over 60 years old at withdrawal.
Inheritance:
Completely tax-free for your beneficiaries.
Tax Deductibility:
Not applicable.
Creditor Protection:
Yes. Considered a “life insurance plan”, and legally protected from seizure.
@soydanieldrr
¡Hola! I’m Daniel Robles
Let’s build your investment strategy — one that grows your wealth and minimizes your taxes in Mexico. 😃
