If you’ve recently moved to Mexico—or you’ve been here long enough to realize you need something better than a basic savings account—you’ve probably noticed something: most local investment options don’t feel designed for people like you. Either they lock your money for years, offer low interest rates, or bury you in fine print that nobody has the patience to read.
OptiMaxx Elite works differently.
It’s a premium investment account from Allianz that gives you full control over your money, access to global portfolios, and the kind of flexibility that most expats want: the freedom to invest without being tied down to a long-term commitment. And because it falls under Article 93 of Mexican tax law, your money can compound without paying annual taxes—something that makes a massive difference over time.
If you want a simple, flexible and tax-efficient way to grow your money while living in Mexico, this is one of the strongest strategies available.
Let’s break it down clearly, without overcomplicating anything.
What Is OptiMaxx Elite? (And Why Many Expats Choose It)
OptiMaxx Elite is a long-term wealth-building account offered by Allianz Mexico, but the “long-term” label is mostly about potential—not obligation. You can use it for short-term goals, mid-term projects, or a 20-year retirement plan. There’s no forced timeline, no penalties for withdrawing, and no minimum years you “must” keep the money invested.
It’s a flexible investment container where you choose one or several portfolios and let your money grow over time. It’s designed for people who want to invest seriously, but who also want the option to access their money if life changes—something very common among expats.
And unlike some financial products in Mexico that are tied to local rules or require monthly payments, OptiMaxx Elite gives you freedom: you open it once, fund it with a lump sum, and then add money whenever you want (or never again, if you prefer).
Total Flexibility: Withdraw Whenever You Want
This is the number one reason expats choose OptiMaxx Elite.
Life abroad can be unpredictable. You may move countries, lose your job, change visas, or need access to your savings fast. A lot of investment products punish withdrawals or make it extremely annoying to get your own money out.
OptiMaxx Elite doesn’t.
- You can withdraw at any time
- Withdrawals can be partial or total
- You don’t need to close the account
- No penalties for taking money early
- It works whether your goal is 1 year or 20 years
This alone puts it in a completely different category compared to bank investment products, which often require fixed terms, lock-ups, or minimum “plazo” periods.
OptiMaxx Elite behaves more like a high-end investment account with full liquidity—something rare in Mexico’s financial system.
The 8 Portfolios You Can Choose From
This part tends to surprise people because most investment products in Mexico offer overly complicated “packages” or a list of funds nobody understands.
OptiMaxx Elite is simple. There are eight portfolios, and each one is transparent, easy to explain, and tied to a clear risk level. Nothing hidden, nothing exotic. Just straightforward investment options.
1. CETES (MXN)
Government bonds in Mexican pesos. Conservative, stable and good for short-term goals.
2. UDIS (MXN, inflation-linked)
Designed to protect your money from inflation. Great if you want safety with a long-term view.
3. U.S. Treasury Bonds (USD)
Conservative and ideal if you earn or save in dollars.
4. European Bonds (EUR)
Similar to U.S. bonds, but tied to the euro zone. Lower volatility.
5. S&P 500 (USD)
For long-term growth. Ideal for expats who want exposure to the U.S. stock market.
6. EuroStoxx 50 (EUR)
European stock market exposure. Moderately aggressive, diversified across major European companies.
7. IPC Mexico (MXN)
Mexico’s main stock index. Useful if you want some long-term exposure to the country’s economic growth.
8. Mixed (MXN)
Depending on availability, some allocations combine major markets for a more balanced approach.
Why OptiMaxx Elite Often Outperforms Typical Bank Products
If you’ve explored investment options at Mexican banks, you probably noticed two things:
- The returns are usually low
- The products tend to lock your money for long periods
OptiMaxx Elite avoids both problems.
- You access real, global markets (not just internal bank funds)
- You don’t pay taxes while your money grows
- You’re not locked into a fixed term
- Withdrawals don’t destroy your performance
Banks in Mexico often behave conservatively and charge quietly through spreads or internal fees. OptiMaxx Elite is transparent: your money grows based on the portfolio you choose, and you’re not restricted by bank limitations.
The Tax Advantage: How Article 93 Works in Your Favor
This is where OptiMaxx Elite becomes especially powerful—and where most expats realize why it’s smarter than keeping money in a U.S. or European bank.
Because OptiMaxx Elite is structured under Article 93 of Mexican tax law, your investments gain three major benefits:
1. Tax-Deferred Growth
You don’t pay ISR while your money stays invested.
No annual declarations.
No extra paperwork.
Just pure compounding.
Over 10 to 20 years, this makes a huge difference.
2. Possibility of Full Tax Exemption
If you meet two requirements:
- You’re 60 years or older, AND
- You’ve invested for at least 5 years
then you can withdraw tax-free.
This applies whether you’re Mexican or an expat resident.
3. Beneficiaries Receive the Money Tax-Free
If you pass away, your beneficiaries:
- Receive the full amount
- With no taxes
- No probate
- No complicated Mexican legal process
This alone makes it more attractive than many U.S. and European accounts, where inheritance taxes can be significant.
Who Is OptiMaxx Elite For?
You’re a perfect fit if:
- You want your money to grow without paying annual taxes
- You prefer liquidity and don’t like being tied to a contract
- You earn in USD, EUR or MXN and want global investments
- You want to build wealth long-term without setting a strict timeline
- You want an investment solution that remains active even if you leave Mexico
- You want a safe place to store a relocation fund
- You want beneficiaries to receive money easily and tax-free
It’s a clean, simple strategy that removes friction for expats.
Minimum Investment Requirements
To keep the plan exclusive and efficient, Allianz sets a minimum opening of $300,000 MXN. After that:
- You can add money whenever you want
- There’s no monthly commitment
- You’re never obligated to add more
This is not designed for beginners saving $50 a month. It’s built for people who want a premium, flexible investment solution with meaningful amounts of capital.
Realistic Examples of Expats Using OptiMaxx Elite
Example 1: U.S. expat, 44 years old
He wants long-term growth but hates the idea of locking money for 15+ years.
He chooses S&P 500 + U.S. Bonds.
He lets it grow tax-deferred and uses the plan as his “Mexico retirement account.”
Example 2: European engineer, 51 years old
She earns in euros and wants stability.
She chooses European bonds + EuroStoxx.
She likes that she can withdraw anytime in case she relocates.
Example 3: Canadian digital nomad, 35 years old
He wants a mix of emergency liquidity + long-term compounding.
He chooses CETES for stability and S&P 500 for growth.
He likes that he doesn’t pay yearly taxes on gains.
Costs and How the Fee Structure Works
OptiMaxx Elite has a transparent fee model:
- A yearly administration fee
- No entry charges
- No exit penalties
- No hidden surrender fees
It’s straightforward enough that most clients understand it in 10 minutes.
How to Apply (It’s Quick and Online)
One of the easiest parts of the process is actually opening the account. You need:
- Mexican residency (temporary or permanent)
- Proof of address in Mexico
- A few signatures
Most people complete everything in 10–15 minutes.
Want a Personalized Recommendation?
At Donna, we can help you choose the right portfolio or understand how the tax rules apply in your case.
We work with expats every day, and we can help you run the numbers and build a strategy that fits your goals—whether you plan to stay in Mexico for one year or the rest of your life.
You can start your OptiMaxx Elite strategy by filling out this form or texting us on WhatsApp.
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