ALINO Make your money earn more than in the bank.
An investment product designed to replace your traditional certificate of deposit or annuity, with potential returns of up to 20% annually and backed by a qualified Investment Fund in Puerto Rico.
Investment starting at $100,000
Annual payments for up to 14 years
Qualified fund under Act 185 (Act 60)
Diversified investment in 8 real industries
Potential tax benefits of up to 60% deduction
Ready to stop settling for what the bank pays?
WHAT IS ALINO?
ALINO is a private investment plan designed for people who already understand that the bank and the credit union are not enough—and that they must beat inflation to achieve real returns.
Instead of leaving your money “parked” in a low-yield certificate of deposit, ALINO puts your capital to work in a qualified Investment Fund that invests in real projects in renewable energy, construction, technology, consumption and security. You receive annual credits by contract, while the Fund generates cash flow through its projects.
HOW DOES ALINO WORK?
Simple to understand, solid on the inside.
ALINO is not a bank savings product. It is an investment strategy for people who want:
Their capital to work with potentially higher returns.
Concrete tax benefits.
Backing from real projects and assets—not just paper.
WHY ALINO INSTEAD OF A CERTIFICATE OF DEPOSIT OR ANNUITY?
Stop accepting 2–4% returns when a better option exists.
General comparison (illustrative values)
DIVERSIFICATION: THE 8 INDUSTRIES WHERE WE INVEST
Your money doesn’t depend on a single industry.
Renewable Energy – Billenium Energy
Solar systems, batteries and microgrids with service and lease contracts that generate long-term cash flow.
Housing & Hospitality – Lux & Gold / Galant
Development of residential and hotel projects generating rental and sales income.
Prefabricated Construction – Pandora Green Planet & BlockCity
Modular homes, commercial buildings and hotels ideal for rapid expansion into new markets.
Artificial Intelligence & Blockchain – Horus Brain & Don Peyo
AI engines and blockchain solutions that support automation, analysis and transparency.
Software & Platforms – Epic Platforms
(NextDestiny, DonPeyo, SpinWing, WinWin, LuckyGenerator, BackMedia) – Apps and platforms generating subscriptions, commissions and advertising.
Financial – SolarSpace, GreenPowerCity, Banguard Financial
Structuring notes, lease contracts, financing and selling notes in the secondary market to keep capital flowing.
Consumer – AllShop, NovaGallery, BuySmart, Teyler & Taylor
Retail and e-commerce ecosystem that channels sales, cashback and loyalty toward the same Fund.
Security – DeltaHome
Alarm, camera and monitoring systems with recurring monthly income.
Instead of depending on one banking product, your money participates in a complete ecosystem of businesses, all aligned to generate real cash flow.
SECURITY AND LEGAL STRUCTURE
It’s not magic. It’s structure.
Qualified Investment Fund under Act 185 (part of Act 60 Puerto Rico)
Contracts backed by MutualEquityGroup (MEG)
Coverage by insurer according to each structure’s terms
More than 7 years of audited track record
Every ALINO contract is issued within this structure, combining:
TAX BENEFITS (ACT 185 / ACT 60)
Your investment can reduce your tax burden.
As a qualified Investment Fund under Act 185, ALINO offers certain investors in Puerto Rico the possibility to:
- Deduct up to 60% of the investment against income taxes, depending on their profile and CPA consultation.
This means that, in addition to the annual contract payments, your investment may help you legally pay fewer taxes—maximizing your total return.
Tax benefits depend on your individual fiscal situation and current laws. This information is general and not tax advice. Consult your CPA.
If you currently have money in certificates of deposit, savings accounts or traditional annuities, you’re likely losing purchasing power every year.
TRACK RECORD
Our team and platforms have been operating for more than 7 years with audited results.
During this time we have:
- Structured renewable energy projects.
- Financed residential, commercial and industrial developments.
- Created and managed notes later placed in the secondary market with recognized institutions.
- Developed proprietary technologies that strengthen the ecosystem.
PROCESS TO INVEST IN ALINO
Three steps to move from the bank to the Fund.
Private 1:1 consultation
Schedule a call with our team. We evaluate your profile, investment goals and tax situation alongside your CPA.
Design of your ALINO contract
The amount, term and specific conditions are structured within the Fund. Returns, risks and guarantees are explained clearly.
Signing and capital placement
Once signed and due diligence is completed (KYC, documentation), your capital enters the Fund and your ALINO plan begins.
Frequently Asked Question
No. “Up to 20% annually” describes the maximum structural potential under certain scenarios. Actual returns depend on your contract’s terms, Fund performance and market conditions.
A traditional annuity is tied to conservative instruments.
ALINO is tied to a qualified Investment Fund with diversified real projects, unique tax benefits and a more aggressive return design.
ALINO is not exposed to daily stock market volatility.
Contracts are backed by physical renewable-energy assets and energy-purchase agreements.
Yet, like any private investment, it carries risks related to project performance, client payment behavior and regulation.
- Assets and cash flow much greater than capital invested
- Refinancing over the contract’s promissory note
- Insurance over installed equipment
- Lien over the equipment
- Manufacturer guarantees (German Solar)
- Pro-solar legal framework (Act 114, IRA, etc.)
- Clients save 30–40% vs the utility, encouraging on-time payments
- Real-time monitoring and active management
ALINO is not a guaranteed bank product—it is a private investment backed by assets and cash flow. Even in extreme scenarios, assets can be recovered, relocated and continue generating income.
Depends on your specific contract. Exit clauses are explained in the initial consultation.
Primarily Puerto Rico residents who meet Fund requirements and financial suitability.
