Qualified Investor planning tool

Five-Year Qualified Investor Return Comparison

If residency can be achieved through more than one qualifying route, which use of capital best fits the client’s objectives? Compare modeled five-year economics without treating the lowest threshold or highest return as a recommendation.

New / first-sale propertyUSD 300,000

Secondary / resale propertyUSD 500,000

State-bank fixed depositUSD 500,000

Private-bank fixed depositUSD 750,000

Panamanian securitiesUSD 500,000

Step 1 · Shared assumptions

Comparison period and purchasing power

Property useInformational only — property-tax treatment may differ for a principal residence or family patrimony. The calculation below always assumes an investment property; confirm actual treatment professionally.

Holding period (years)The comparison uses the program's minimum five-year holding period.

Assumed annual inflation (%)Used only to show inflation-adjusted ending value.

Step 2 · Investment assumptions

Model each qualifying investment route

Qualifying real estate

New / first-sale minimum · USD 300,000

Property pathwayThe financial model is unchanged; this selection applies the route-specific minimum and labels the comparison correctly.

Property investment (USD)

Buyer acquisition costs (%)Illustrative legal, registration, due-diligence and transaction costs outside the qualifying property amount.

Furnishing and setup (USD)Included in initial cash committed, but not automatically treated as part of the property's tax basis.

Year-one gross rental yield (%)Assumes roughly $1,700/month base rent on a $300,000 property (6.8% gross yield). Adjust for your specific property and market.

Vacancy allowance (%)

HOA/condominium fee (USD/month)Panama HOA fees run conservatively around $2.75/m². Default assumes a ~120m² unit for this property value — adjust for your actual unit size.

Property management fee (% of collected rent)

Maintenance reserve (% of property value/year)Covers repairs, replacements and wear and tear.

Property taxable/cadastral value (USD)Used to calculate the general non-principal-residence property tax automatically. Confirm the registered taxable value before relying on the result.

Annual rent growth (%)

Annual property appreciation (%)

Return on retained rental cash (%)

Broker, legal and other selling costs (%)Excludes transfer and capital-gains taxes modeled below.

Property transfer tax (%)

Capital-gains tax on modeled gain (%)

Documented improvements added to tax basis (USD)Illustrative only; confirm allowable basis adjustments professionally.

Capital-gains advance at sale (%)Shown as a potential closing-liquidity requirement, not added to the final modeled tax.

Qualifying fixed deposit

State-bank minimum · USD 500,000

Bank pathwayInstitutional acceptance, account opening, deposit terms and legal qualification require professional confirmation.

Fixed-deposit principal (USD)

Annual interest rate (%)

Annual bank/structuring costs (%)Applied to principal. Income tax is not modeled.

Interest reinvested (%)100% models full annual compounding.

Effective tax rate on interest (%)Optional. Defaults to 0%; depends on your tax residence and how the deposit is held. Confirm your own rate professionally.

Qualifying securities portfolio

Current promoted minimum · USD 500,000

Securities investment (USD)

Expected annual total return (%)Illustrative assumption, not a forecast.

Annual advisory/custody fees (%)

Entry and transaction costs (%)

Exit and transaction costs (%)

Effective tax rate on gains/income (%)Optional. Defaults to 0%; depends on your tax residence, custody structure and income source. Confirm your own rate professionally.

Different capital requirements matter. The tool compares return efficiency and nominal profit separately. It does not assume that any property, deposit or stock portfolio qualifies; the legal structure, institution, custody, source of funds and current program requirements require professional confirmation.

Illustrative comparison

What do your assumptions imply?

Highest modeled annualized return —

Highest modeled nominal profit —

Metric	New / first-sale property	State-bank deposit	Panamanian securities
Qualifying investment	—	—	—
Total initial cash committed	—	—	—
Annual non-principal-residence property tax	—	—	—
Ending value	— net of selling costs & taxes	— pre-tax unless rate entered	— pre-tax unless rate entered
Gross property sale value	—	—	—
Broker, legal and other selling costs	—	—	—
Modeled property transfer tax	—	—	—
Modeled capital-gains tax	—	—	—
Indicative 3% advance at closing	—	—	—
Accumulated net income/cash	—	Included above	Included above
Total ending value	—	—	—
Five-year net profit	—	—	—
Total return	—	—	—
Annualized return	—	—	—
Inflation-adjusted ending value	—	—	—

For real estate, "Ending asset/capital value" is the net sale proceeds after selling costs, transfer tax and modeled capital-gains tax. For fixed deposits and securities, it is the ending balance before any investor-specific tax not entered above. The five legal pathways are visible above; this table compares the selected property pathway, selected deposit pathway and securities route using the same underlying asset-class formulas.

Real-estate trajectory

Fixed-deposit trajectory

Securities trajectory

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Important modeling and professional boundary

This tool compares user-entered assumptions and does not forecast returns, value an investment, assess risk or recommend a Qualified Investor route. The real-estate scenario assumes an income-producing investment property and applies Panama's general non-principal-residence property-tax bands to the taxable/cadastral value entered: 0% to USD 30,000, 0.60% from USD 30,001–250,000, 0.80% from USD 250,001–500,000 and 1.00% above USD 500,000. Principal-residence and family-patrimony treatment is not modeled. Exemptions, PH land treatment and the registered taxable value require professional confirmation.

The model applies the entered 2% transfer-tax assumption to gross sale value and estimates capital-gains tax as 10% of the positive modeled gain over the entered property cost plus documented basis additions. Actual statutory bases and allowable adjustments require professional confirmation.

The separately displayed 3% capital-gains amount is an indicative advance and closing-liquidity requirement. It is not deducted in addition to the modeled final capital-gains tax, because doing so would double count the same tax economically. Refund, credit and election mechanics are not modeled. Fixed deposits and securities carry their own risks, and taxes on their income or gains remain excluded. Legal, immigration and financing costs and the value of residency are also excluded. Confirm all legal, tax, investment, banking and immigration matters with appropriately licensed professionals before acting.

Qualified Investor thresholds: Executive Decree No. 17 of 8 September 2026, Gaceta Oficial No. 30613. Property-tax references: DGI property tax · DGI sale-tax guidance. Requirements, interpretations and qualifying instruments must be verified before implementation.