Top Destinations for Ultra-High-Net-Worth Individuals Seeking Citizenship via Property Investment
Investment migration programmes tied to real estate present a unique opportunity for the super rich, offering attractive returns on investment and alternative residence or citizenship benefits.
Property InvestmentCitizenship By InvestmentReal EstateUltrahighnetworth IndividualsInvestment MigrationReal EstateSep 23, 2024
As global economies shift and ultra-high-net-worth individuals seek diversification in both their assets and lifestyle options, investment migration has gained traction as a popular strategy. The appeal of owning multiple properties across the globe, particularly for those in the centi-millionaire bracket (those with liquid investable wealth of $100 million or more), cannot be overstated. Over 90% of centi-millionaires own more than one home, and approximately 65% own second homes outside their home country.
Investment migration programmes tied to real estate present a unique opportunity for this elite group. Not only do they offer attractive returns on investment through property appreciation and rental yields, but they also provide the added bonus of alternative residence or citizenship benefits.
Malta, currently home to 45 centi-millionaires, has long been a favorite among wealthy investors looking for a reliable, high-quality real estate market combined with a strategic geographic location. Known for its stability and robust economy, the Maltese real estate sector has continued to demonstrate resilience even amid global economic downturns.
The Malta Permanent Residence Programme allows investors to secure Maltese residence through a minimum real estate investment of EUR 300,000, provided they invest in the country's southern regions or Gozo. Alternatively, properties in the more central areas of Malta require a minimum investment of EUR 350,000. The property must be held for a minimum of five years from the issuance of the residence card.
Spain's real estate market has experienced a steady recovery since the global financial crisis, making it a top destination for centi-millionaires. The Spain Residence by Investment Program, which requires a minimum real estate investment of EUR 500,000, offers an accessible route to residence and eventual citizenship.
Montenegro is rapidly becoming a preferred destination for centi-millionaires seeking a combination of natural beauty and favorable real estate prices. Property acquisition is one of the options for acquiring residence in Montenegro, making this a perfect real estate–residence combination.
Grenada has become a sought-after destination for affluent individuals. Through the Grenada Citizenship by Investment Program, centi-millionaires can secure citizenship by investing a minimum of USD 270,000 in government-approved real estate projects.
Portugal has long been a favorite destination for real estate-linked investment migration, thanks to its golden visa program. However, as of 2023, the country no longer offers residential real estate as a qualifying investment option. Despite this, centi-millionaires can still explore the Portugal Golden Resident Permit Program through other means, such as fund investment or donations.
These areas continue to boom, with high demand for luxury real estate from international buyers driving up property values, and both are expected to see high wealth growth of 100% to 150% between now and 2040.
Portugal offers the added advantage of providing a pathway to citizenship after five years, with minimal physical stay requirements, allowing investors to enjoy both flexibility and security in their global residence planning.
According to the Global Terrorism Index, Portugal has a very low risk of terrorism, with few incidents and a limited impact on society. Furthermore, according to data shared by Numbeo’s Crime Index, in 2023, Portugal ranked 3rd in terms of low crime, on a scale where 1st place is the safest.
Frequently Asked Questions
What is investment migration?
Investment migration is a strategy where individuals invest in a foreign country's real estate or other assets to gain residence or citizenship benefits.
Which countries offer citizenship by investment programs?
Several countries, including Malta, Spain, Montenegro, Grenada, and Portugal, offer citizenship by investment programs.
What are the benefits of investing in real estate for ultra-high-net-worth individuals?
Investing in real estate can provide attractive returns on investment, alternative residence or citizenship benefits, and diversification of assets and lifestyle options.
How much do I need to invest to secure citizenship in Malta?
The minimum real estate investment required to secure Maltese residence is EUR 300,000, provided you invest in the country's southern regions or Gozo.
Can I still invest in Portugal's real estate market despite the changes to the golden visa program?
Yes, centi-millionaires can still explore the Portugal Golden Resident Permit Program through other means, such as fund investment or donations.
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