Five Practical Cases with OICO-MACAB: Financial Tools to Achieve Your Goals

 

Five Practical Cases with OICO-MACAB: Financial Tools to Achieve Your Goals

Having a solid financial strategy is essential to reaching your goals, whether it’s securing a comfortable retirement, buying a home, or simply growing your capital efficiently. In this episode of Feliz y Saludable, we explore five practical cases using Real Estate Operations with Option (OICO) and the Mandate for Acquisition, Trade, and Asset Management (MACAB), two powerful tools for optimizing your investments and reaching your financial objectives safely.

1. Long-Term Capitalization Plan: Turning $328,500 into $4.29 Million in 40 Years

This case is ideal for those who want to plan for the long term and take advantage of compound interest to grow their capital. It involves an initial investment of $328,500, complemented by monthly contributions of $1,095 over 25 years, in a capitalizable MACAB at 8.25%. After 40 years, this investment could reach $4.29 million. It’s an excellent option for those looking to accumulate wealth in the long term, whether to secure retirement or leave a legacy for future generations.

Advantage: High long-term returns, ideal for retirement planning or building family wealth.

2. Financial Independence with a Preferred Rate: $1,000,000 over 15 Years at 9.75%

For investors with greater savings capacity, this scenario offers the possibility of investing $1,000,000 in a MACAB maturing in 15 years, at a rate of 9.75%. By the end of the term, the investment will generate $4.29 million, providing financial independence in a relatively short period. This option suits those seeking substantial returns without committing to an excessively long term.

Advantage: Excellent medium-term returns with VIP rates, allowing you to achieve a significant sum.

3. Saving for the Purchase of a Home or Vehicle: $500 Monthly for 10 Years

This case is perfect for those looking to save for a specific goal, like buying a house or a car. It involves a monthly contribution of $500 over 10 years, with an initial deposit of $950 and an annual interest rate of 7.5%. At the end of the period, the accumulated capital will be $89,960.97, allowing you to make a cash purchase without relying on high-interest credit.

Advantage: A focused savings plan that enables the purchase of major assets without incurring debt.

4. Tax Payment Planning: Savings in Colones

This example is ideal for those who want to plan their tax obligations in advance. With an initial investment of ₡2,000,000 and monthly contributions of ₡500,000 for 12 months at a rate of 7.5%, ₡8,404,689.41 will be accumulated. This strategy is perfect for those looking to have funds available for tax payments without affecting cash flow.

Advantage: Preparation for tax obligations, ensuring sufficient funds to meet them smoothly.

5. MACAB Income: Secure Your Pension with ROPC or Savings from ₡10,000,000 or $20,000

The fifth case is designed specifically for retirees or those with a savings fund in the Mandatory Complementary Pension System (ROPC), who wish to receive periodic income to supplement their pension. With an initial investment starting at ₡10,000,000 or $20,000 in a MACAB Income, you can receive monthly, quarterly, or semiannual payments, depending on your needs. This system allows your savings to work for you, providing a steady source of income without depleting your fund.

Advantage: Financial security for retirees, with guaranteed periodic income from your savings or ROPC funds.

These five cases demonstrate how using OICO-MACAB can be tailored to different profiles and needs, helping people achieve their financial goals efficiently and safely. Whether you’re looking to save for a major purchase or secure a peaceful retirement, these tools can be the key to maximizing the value of your investments.

If you’re interested in applying any of these strategies, feel free to contact me to analyze your situation and design a personalized plan that will help you achieve your goals. WhatsApp +506 6110 8665, @vilagutr on X, @ralviv on YouTube or Telegram, email rafaelvilagut@gmail.com.

Feliz y Saludable, San José, Costa Rica, Wednesday, October 10, 2024, by Rafael Vilagut, educator, analyst, and independent financial advisor. I focus on offering my clients personalized solutions that allow them to reach their financial goals in a safe and efficient manner. With experience ranging from risk assessment to long-term planning, my approach is centered on providing strategies tailored to each situation, always aiming to maximize value and minimize risks. I strive to educate and empower my clients, providing clear and honest advice to help them make informed financial decisions. I am also available to meet with clients, friends, and associates in person or online in Spanish, English, Portuguese, and some French or Catalan, which allows me to offer my services to a global and diverse audience.