Note: The following information is provided as a free public service by Q Wealth Report. It does not necessarily reflect the opinions of the publishers. Much more detailed information on this and other topics is included in the Q Wealth Report. You can sign up right now on the site or if you would like to try before you buy please register using the box to your right to receive a free sample issue (a back issue of our choice)


Nicaragua is a democratic republic and still the largest nation in Central America. When you think of Nicaragua you probably think of sunny beaches, warm climates and relaxing stays at spa hotels. However, you should give a little more serious thought to Nicaragua, especially as you approach your retirement age.

Why? Because Nicaragua is not only well known for its beauty and luster…it is also a wise real estate investment. We know what you're thinking-how could you possibly afford a real estate investment at this stage in your life? With the economy in recession it's not like you have a large amount of capital to put down on a new real estate venture. However, what you can do is invest in Nicaragua real estate by using your retirement funds (such as an IRA or 401 K account).

Why Nicaragua? After all, there are numerous islands you could seek out in the Central American continent. The reason Nicaragua is high on everybody's list is because tourism has been rapidly increasing and a host of foreign investments have made significant improvements to Nicaragua's commercial center. For example, there have been two highways created to promote travel to Granada and Managua. Some sources have even speculated at the rate the country is growing, it could even surpass nearby areas like Costa Rica in the next five years.

Nicaragua makes for a shrewd real estate investment, just as appealing immediately as it will be as a long-term investment. Some hot real estate spots include the area along the Pacific coast in between the Managua and the Costa Rica area. Nicaragua boasts nine major tourism attractions along with 20 residential areas, which certainly show strong signs of life and activity from the locals. In fact, the Nicaragua's Pacific coast attracts well over half a million visitors every year, and that's a number that's still growing. City officials remain confident that the new highways will help to facilitate traffic and lead to an even greater visiting population as the years go by.

One of the latest trends is for upcoming retirees to invest their IRA or 401 K account into buying Nicaragua real estate. How is this possible? They start by placing their funds in a Self Directed IRA account. They create an LLC in order to take advantage of investments but also to shield themselves from personal liability. Now they are able to direct their account in flexible ways and still answer legally to the IRS. What a great idea!

Now why haven't more people thought of this? For one thing, not many Americans have an understanding of how foreign real estate or foreign investment works. Secondly, some American investors (or investors from any nationality for that matter) may be dissuaded by their investment firm not to take this kind of risk.

However, there is nothing legally or morally wrong with making this type of investment, neither is starting an offshore account for money. You are taking advantage of tax laws and taking steps to provide your future, regardless of what happens to the dollar. That said, you do have an obligation to be honest and to report your assets and income to the IRS. This is the only formality the IRS asks is that you report all of your activity. Just think-within a few months you could stay in Nicaragua and own a private island, or rent out and a condominium on the side of the mountains. Nicaragua real estate is a tempting offer indeed!