Structural Tax Efficiency & Legacy Planning
Secure Your Global Freedom.
We facilitate the acquisition of secondary citizenship and residency through a highly curated selection of the world's most robust investment programs — and on most of them, your capital is an investment you get back, not a fee you lose.
Bespoke Program Selection
The Program Finder
Six confidential questions. Our matching engine measures your objectives against seventeen vetted sovereign programs and presents the three pathways most aligned with your profile.
Analysis Complete
Your Strategic Shortlist
Indicative matching based on your stated profile. Full suitability, family structuring, and current government terms are confirmed during your private briefing.
Direct Passport Acquisition
Citizenship by Investment (CBI)
The 2026 landscape features consolidated pricing. These structured pathways offer fast processing times and extensive visa free travel, granting irrevocable citizenship for investors and their families. Note that on CBI the cheapest route is usually the donation — and the donation is the one route that does not come back.
Read This First
Most of this money is not a fee. It is an investment you get back.
The most common misunderstanding in this industry is that the headline figure disappears. On the majority of these programs it does not — it buys you a fund unit, a title deed or a bond, and it returns to you at the end of the holding period. Every card below states exactly which part of your money comes back, which part is at risk, and which part is genuinely spent.
● Recoverable
Your capital stays yours. You hold a fund unit, a bond or a title deed, and you can exit it after the minimum holding period. Market value at exit is not guaranteed.
◔ At Business Risk
Deployed into an operating company or early-stage equity. Recoverable only through a sale or exit, and the business has to genuinely perform. Treat it as a real investment decision.
○ Contribution
A payment to the state or a national fund. It is not returned — it is what buys the status itself. Government, legal and due-diligence fees are never recoverable on any program.
Important: Return figures on this site are indicative historical or target ranges published by program operators and market sources. They are not offers, forecasts or guarantees. Capital placed in funds, equity or property is at risk and can fall in value. Past performance is not a reliable indicator of future results. Legacy Wealth Visa is not a licensed investment adviser and does not provide investment, tax or legal advice; suitability is confirmed with the licensed operator in each jurisdiction.
Saint Kitts & Nevis
○ SISC donation $250,000 — contribution to the state. Not returned.
● Real estate $325,000 — you hold the title deed; resaleable after 7 years.
Indicative return on the real-estate route: 2–5% p.a. rental yield on approved developments, plus any resale gain. Not guaranteed.
The oldest, gold-standard CBI. Real-estate route reduced to $325k. Biometric enrollment now mandatory; 30-day presence rule proposed but not yet in force.
Grenada
○ NTF donation $235,000 — contribution to the national fund. Not returned.
● Real estate $270,000 — title in an approved development; resaleable after 5 years.
Indicative return on the real-estate route: 2–5% p.a. rental yield from branded resort shares. Not guaranteed.
Retains USA E2 treaty access and visa-free China. New 30-day presence rule (5 days main applicant yr 1, 25 days family across yrs 2–5) effective 2026.
Saint Lucia
○ Donation $240,000 — contribution to the national fund. Not returned.
● Government bond $300,000 — 100% of principal returned after 5 years. The strongest capital-preservation route in the Caribbean.
● Real estate $300,000 — title held; resaleable after 5 years.
The bond pays 0% interest — but returns the entire $300,000. On that route your true cost is the fees, not the capital.
The $300k government bond guarantees full principal return after 5 yrs; 90 day grace period to invest post approval.
Antigua & Barbuda
○ NDF donation $230,000 — not returned.
○ UWI fund $260,000 — not returned; includes one year of university tuition for a family member.
● Real estate $300,000 — title held; resaleable after 5 years.
Indicative return on the real-estate route: 2–5% p.a. rental yield. Not guaranteed.
UWI Fund ($260k) most cost-effective globally for families of 6+. Mandatory interview added in 2026. Note: physical-residency requirement being increased; since Jan 2026 the US applies partial visa restrictions to new passport applicants (visas issued before 31 Dec 2025 are honoured).
Dominica
○ EDF donation $200,000 — not returned.
● Real estate $200,000 — title held; resaleable after 3 years (5 if sold to another CBI applicant).
Indicative return on the real-estate route: 2–4% p.a. from eco-resort rental pools. Not guaranteed.
Deep eco-development integration; flexible inclusion (unmarried daughters under 25, students to 30). New biometric e-passports and mandatory virtual interviews for applicants 16+. Note: since Jan 2026 the US applies partial visa restrictions to new passport applicants (existing US visas honoured).
Vanuatu
○ Donation $130,000 — contribution to the state. Not returned. There is no recoverable route on this program.
You are buying speed, not an asset. If capital recovery matters more than turnaround time, look at Saint Lucia’s bond route instead.
Fastest processing globally via a fully remote process; zero income, corporate, or wealth tax. Note: no longer visa-free to the EU/Schengen Area — visa-free access remains to ~90+ countries across Asia & Oceania (incl. Hong Kong, Singapore).
The European & Global Base
Residence by Investment (RBI)
Secure a safe haven, exceptional corporate tax regimes, and high living standards. These fast track residency programs allow investors to establish a strategic base, with many leading to citizenship without physical disruption. Unlike CBI, almost every route here is a genuine investment — the capital comes back to you.
Greece
● Real estate €250,000 — you own the property outright and hold the title. Sellable at any time; the residence permit lapses unless the investment is replaced.
◔ Elevate Greece startup €250,000 — early-stage equity; genuine capital risk.
Indicative return: 4–5% p.a. gross residential rental yield in Athens, higher on short-let. Not guaranteed.
*CRITICAL: The €250,000 threshold strictly requires a commercial to residential conversion. Standard real estate: €400,000 to €800,000 by zone. New 2026 route: €250,000 in an Elevate Greece startup (Law 5162/2024).
Hungary
● REIF fund units €250,000 — redeemable units in a regulated real-estate fund. Minimum 5-year hold to maintain the permit, then redeemable.
○ Public trust donation €1,000,000 — not returned.
Indicative return: set per fund and confirmed in your briefing. Fund NAV can fall as well as rise.
Grants a 10 year upfront residence permit with a low risk "approve first, invest later" model. Direct €500k property route closed Jan 1, 2025 — only the fund (€250k) and €1M trust donation routes remain.
Portugal
● Regulated fund units €500,000 — CMVM-supervised VC/PE funds. Capital returns at fund maturity, typically 6 to 10 years, at the value it has then reached.
○ Cultural heritage €250,000 — a donation; not returned.
Fund managers typically target 4–10% p.a.; individual funds have reported materially more in strong years. Capital at risk; not guaranteed.
Requires only ~7 days per year of physical presence; pathway to EU citizenship after 10 years (7 for EU/CPLP nationals) under the new nationality law.
Cyprus
● New-build property €300,000 (+VAT) — title in your name; must be retained to keep permanent residency.
● Fund units or company shares €300,000 — redeemable or sellable, subject to holding the status.
Indicative return: 4–5% p.a. gross rental yield. The real financial case here is the non-dom tax regime, not the yield.
Residency is granted for life; features an excellent non domicile tax regime (requires proof of €50k/yr offshore income).
The Bahamas
● Real estate $1,000,000 — freehold title, fully sellable; must be retained while permanent residency is held.
● Government bonds — principal returned at maturity.
Indicative return: 3–6% p.a. rental in prime Nassau and Exuma markets, in USD-pegged currency. Not guaranteed.
Lifetime sanctuary from income & wealth taxes. Submitting a $1.5M+ property investment triggers automatic priority processing (3 to 6m).
Uruguay
● Real estate — freehold title; foreigners hold the same ownership rights as citizens. Fully sellable.
◔ Innovation fund — capital at market risk; exit on fund terms.
The return here is fiscal, not rental: the 11-year tax holiday on foreign-sourced income is usually worth more than any yield on the asset itself.
Grants an unparalleled 11 year absolute tax holiday on foreign sourced income for qualifying tax residents.
Paraguay
◔ SUACE business $70,000 — working capital in your own Paraguayan company. Recoverable only through the business itself, not through a redemption.
● Investor Pass real estate ~$200,000 (Res. 0283/2026) — title held; sellable.
Return is entirely dependent on the operating business. Treat the $70,000 route as founding a company, not as buying a product.
Direct 10 year permanent residency; strict territorial tax (0% on foreign income, 10% flat local). Note: the $70k SUACE route requires a local company and 5 jobs for Paraguayans. The April 2026 Investor Pass (Res. 0283/2026) adds passive tiers (~$150k tourism / ~$200k real estate or financial) with no job requirement.
Latvia
◔ Company equity €50,000 — equity in a genuinely trading Latvian company. Not a redeemable instrument; you recover it only by selling the business or drawing profit from it.
Return is business-dependent. This is the one EU route where “investment” means running an actual company — choose it for that reason, not for the low headline number.
Lowest entry threshold in the EU: €50,000 company equity + €10,000 one-time state fee. Note: the qualifying company must genuinely operate and pay ≥€40,000/yr in tax — best suited to active business investors. €5,000 renewal fee.
Italy
◔ Innovative startup €250,000 — early-stage equity. Highest risk, highest potential upside; recoverable only on exit.
◔ Italian company €500,000 — equity in an established company.
● Government bonds €2,000,000 — principal returned at maturity, plus coupon. The lowest-risk route on this site.
○ Philanthropic donation €1,000,000 — not returned.
Bond route: Italian BTP yields have recently run around 3–4% p.a., paid as coupon, with principal repaid at maturity. Yields move with the market.
Pre-approval (Nulla Osta) before you invest capital; no minimum stay. Four routes: €250k innovative startup (a structured qualifying investment), €500k Italian company, €2M govt bonds, or €1M philanthropic donation. PR after 5 years.
Malta
Direct PR in 6-8 Months
○ Government contribution €37,000 + admin fee €60,000 — not returned.
○ Property lease from €14,000/yr — rent; recurs annually, not returned.
● Property purchase €375,000 — the alternative to leasing. Title held, resaleable after 5 years — converts most of the cost into a recoverable asset.
We say this plainly: Malta is the one program here where a large share of the money genuinely disappears. If capital recovery matters, buy rather than lease — or consider Portugal or Bulgaria instead.
Unified €37k government contribution + €60k admin fee. Property purchase €375k or lease €14k/yr. Immediate 1 year temp residence on application. Note: MPRP grants permanent residence only — not a path to citizenship.
Bulgaria
Direct PR in 3-6 Months
● Regulated AIF / ETF units €512,000 — marketable fund units, redeemable after the 5-year holding period at their value at that time.
○ State and legal fees ~€13,000 — not returned.
Of the ~€525,000 total, roughly €512,000 remains your asset and only ~€13,000 is genuinely spent. Indicative return is fund-dependent and confirmed at briefing; unit values can fall.
Unlike standard EU Golden Visas, Bulgaria grants absolute Permanent Residency upfront via regulated AIFs. Now full Schengen (Jan 2025) and Eurozone (Jan 2026).
Our Revenue Model
You Pay Us Nothing.
No advisory fee, no retainer, no success fee, no percentage of your investment. Most firms in this industry charge the client for the advice and then take a commission from the provider as well. We only do the second one — and we would rather tell you that ourselves than have you wonder about it.
i.
Who Pays Us
When a file closes, the fund manager, developer or licensed law firm on the other side pays us a commission out of their own margin. That is our entire income. It is a standard, disclosed intermediary arrangement — the same way nearly all regulated distribution works.
ii.
What It Costs You
Nothing extra. Your investment amount and your government fees are exactly the same figures you would pay walking into that fund or law firm on your own. Our commission is not added on top of your price — it comes out of theirs.
iii.
Why We Can Still Be Neutral
We hold no exclusivity with any program, fund or developer, so no single outcome is worth more to us than getting the fit right. And if you want to know what we earn on the route we recommend — ask us, and we will tell you.
Where Every Euro Actually Goes
The investment or contribution
Paid directly to the regulated fund, the developer or the state — never to us, and never through us. On most programs this is the recoverable part.
To the fund / state
Government & processing fees
Application, due diligence, biometrics, permit issuance. Set by the government, non-negotiable, and non-recoverable on every program.
To the government
Local legal & due-diligence fees
Charged by the licensed firm that files your case in that jurisdiction. Quoted to you in writing before you commit to anything.
To the local firm
Legacy Wealth & Visa advisory fee
Program selection, structuring, partner management and running your file from first call to passport or permit in hand.
€0
Fee structures are confirmed in writing before engagement. Legacy Wealth Visa is an independent consultancy, not a government agency or a licensed investment adviser, and does not provide investment, tax or legal advice.
Strategic Diversification
The Significance of a Plan B
In a rapidly changing world, relying on just one country leaves your wealth and your family completely vulnerable. If a sudden crisis closed your borders tomorrow, do you have a guaranteed escape route?
We help the world's most successful families secure a definitive “Plan B” through alternative residency and citizenship. This provides an immediate safety net to protect your assets, ensure your family's security, and travel the globe without limits. Crucially, it also unlocks strategic tax optimization that can save you huge amounts of capital in the long run. Take control of your future today because the ultimate luxury is permanent, undeniable freedom.
Core Strategic Benefits
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Unrestricted Global Mobility Guarantee your right to travel and relocate instantly. Secure undisputed access to the UK, the Schengen Area, and vital safe havens, allowing you to bypass closed borders and global crises.
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Strategic Wealth Protection Legally shield your assets from sudden tax increases, regulatory changes, and economic instability. We anchor your capital in highly secure, low tax, and business friendly jurisdictions.
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Generational Resilience Build a permanent "Plan B" for your family. Secure lifelong residencies and second passports that guarantee premium healthcare, education, and undeniable safety for your descendants.
Beyond Standard Residency
Accelerated European Naturalization
While standard European Residence by Investment (RBI) programs offer a structured 8 to 10+ year timeline to naturalized citizenship (and some, such as the Malta MPRP, grant permanent residence only), highly tailored investment architectures exist for those seeking to expedite this process. For clients capable of meeting exceptional capital and economic contribution thresholds, our senior advisory team designs legally entrenched, accelerated pathways to full Schengen citizenship.
Our Global Expertise
The Legacy Foundation
Absolute Discretion
We handle high net worth migration with a level of confidentiality that matches the private banking sector.
Strategic Precision
Navigating complex international residency requirements through specialized procedural expertise.
Capital Security
Our partner selection process prioritizes capital preservation and absolute legal compliance.
Local Footprints
We leverage a tier one network of localized legal experts in every jurisdiction we service.
Executive Leadership
Distinguished Advisor
Execution Roadmap
The Universal Pathway to Global Status
A streamlined process across all our jurisdictions
Consultation
Initial vetting and personalized strategy development to identify your ideal Plan B.
File Preparation
Collecting documents, completing initial due diligence, and compiling the legal file.
Submission
Submitting the application to the respective government authority.
Approval & Investment
Receiving government approval and fulfilling the designated capital investment.
Status Issued
Receiving your new Passports or Residence Permits.
Knowledge Base
Frequently Asked Questions
Do I actually get my investment back?
On most programs, yes — and this is the single most misunderstood point in the industry.
- Recoverable routes. Fund units (Portugal, Hungary, Bulgaria), property (Greece, Cyprus, the Bahamas, Uruguay) and government bonds (Saint Lucia, Italy) all leave you holding a real asset. After the minimum holding period you can redeem or sell it. Saint Lucia’s $300,000 bond returns 100% of your principal after five years.
- At-risk routes. Company equity (Latvia, Paraguay’s SUACE route, Italy’s startup route) is recoverable only if the business performs and you find a buyer.
- Contributions. Caribbean donations, Malta’s government contribution and Portugal’s cultural-heritage route are payments, not investments. They are not returned.
Government, legal and due-diligence fees are never recoverable on any program, and market value at exit is never guaranteed on any investment route. Each program card above states its own position explicitly.
How does Legacy make money if I pay you nothing?
We are paid a commission by the fund, developer or licensed law firm when a file closes — out of their margin, not added to your price. You pay no advisory fee, no retainer and no success fee to us.
The obvious follow-up question is whether that biases our advice. Two answers. First, we hold no exclusivity with any program or provider, so no single outcome is structurally worth more to us than getting the fit right and earning the referral. Second, if you want to know what we earn on the route we recommend, ask and we will tell you. Very few firms in this sector will say that in writing.
What is the difference between CBI and RBI?
While both Citizenship by Investment (CBI) and Residency by Investment (RBI) offer structured, legal pathways to enhance your global mobility and secure your wealth, they serve different strategic goals, offer distinct legal rights, and operate on vastly different timelines.
Citizenship by Investment (CBI): The Direct Pathway to a Second Passport
- What it is: CBI is a streamlined process that grants you full nationality and a second passport directly in exchange for a qualifying economic contribution to a host country. Common investment routes include nonrefundable state contributions, real estate purchases, or national development fund investments.
- The Benefits: You receive the exact same rights as any other citizen of that nation. This includes the right to live and work indefinitely, vote in national elections (in certain jurisdictions), hold public office, and seamlessly pass your citizenship down to future generations.
- Timeline and Cost: CBI programs are designed for speed and efficiency, entirely bypassing traditional naturalization requirements. Citizenship is often granted within 3 to 18 months, with minimum investments typically starting from USD 130,000 all-in. Note that the cheapest CBI route is almost always the donation — the one route that is not returned.
Residency by Investment (RBI): The "Golden Visa" Lifestyle Pathway
- What it is: Often referred to as a "Golden Visa," RBI provides a residence permit that grants you and your family the legal right to live, work, and study in the host country.
- The Benefits: RBI is ideal for individuals seeking a physical lifestyle change, enhanced structural tax efficiency through relocation, or strategic access to regional markets (such as the European Union's Schengen Area). While it provides an immediate safe haven and access to premium healthcare and education, it does not immediately confer full citizenship rights, such as holding a passport or voting.
- Timeline and Cost: RBI programs generally offer lower initial investment thresholds, starting from approximately €60,000 all-in — and, importantly, RBI capital is far more often recoverable, because it sits in property or regulated funds rather than in a state donation. While you do not receive a passport immediately, most RBI programs offer a clear pathway to naturalized citizenship. This usually requires holding the legal residency for 8 to 10+ years and meeting specific physical presence or language criteria. Note that certain programs, such as the Malta MPRP, grant permanent residence only and do not constitute a pathway to citizenship.
Summary: If your priority is immediate, unrestricted global mobility and securing a permanent generational legacy without the need to relocate, CBI is the definitive choice. However, if your goal is to physically relocate your family, establish tax residency in a favorable jurisdiction, or build a gradual pathway to citizenship over several years, an RBI program provides the perfect foundation.
Are these programs legal and officially recognized?
Can I include my family members?
Do I need to relocate to obtain the visa/passport?
Confidential Inquiry
Arrange Your Private Briefing
Please provide your preliminary details below. Our senior advisor will review your eligibility and contact you for a secure, multijurisdictional wealth planning session.
Budapest Office:
1136 Budapest, Pannónia utca 19. 1. emelet 4
South Africa Office:
333 University-rd Mankweng, 0727
Before You Proceed
This determines whether our advisory can assist you.
We Are Unable to Assist You
Legacy Wealth Visa exclusively structures capital investment migration, with programs starting at approximately €60,000 all-in. We do not process work permits, job sponsorships, or study visas — such inquiries are not reviewed or answered. Kindly direct employment and study matters to the relevant embassy or a licensed immigration agency.
Eligibility Restriction
This form is for CAPITAL INVESTMENT MIGRATION only (programs starting at approximately €60,000 all-in). We do NOT process work permits, job sponsorships, or study visas. Inquiries of this nature will be automatically discarded.