This is an educational and exploratory tool. Risk assessments are subjective and based on current information. Consult legal and financial advisors before making decisions.
Risk Factor Assessment
Political Instability
Consider regime change risk, civil unrest, democratic backsliding, and policy volatility. Freedom House and Economist Intelligence Unit provide country-level democracy indices.
Tax Pressure
Trends: OECD countries are debating wealth taxes, capital gains increases, and minimum corporate tax (Pillar Two). Consider both current rates and proposed legislation affecting your asset class.
Currency/Inflation Risk
Probability of significant currency devaluation or sustained high inflation (>10%) in your home country. Historically: developed nations 5-15%, emerging markets 25-50%. Consider USD/EUR exposure and hard assets.
Conflict Risk
Probability of geopolitical conflict affecting your region within 10 years. Consider: border proximity, political stability indices, historical conflict frequency. Western Europe: 5-10%, Eastern Europe/Middle East: 30-60%.
Regulatory Pressure
Probability of capital controls, financial restrictions, or wealth taxes within 10 years. OECD CRS and Pillar Two are increasing global tax transparency. Consider: banking freedom, crypto regulations, capital flight restrictions.
Top Recommended Destinations
Your Parameters
Target Region
Europe: Golden Visa programs (Portugal €500k, Greece €250k, Spain €500k). Middle East: UAE 0% tax. Asia: Singapore/Thailand. Oceania: NZ/AU investor visas. LatAm: affordable, growing expat communities.
Time Horizon
How many years until you need your Plan B active. 5 years: start now, limited options. 10 years: comfortable planning window. 20 years: long-term strategic positioning. Most citizenship-by-investment programs take 3-12 months.
| Country ▾ | Min Investment ▾ | Tax Rate ▾ | Citizenship (Years) ▾ | Passport Strength ▾ |
|---|---|---|---|---|
| Portugal | €500,000 | 28% | 5 | 186 |
| Spain | €500,000 | 45% | 10 | 190 |
| UAE | $2,000,000 | 0% | 10 | 176 |
| Singapore | $10,000,000 | 22% | 10 | 195 |
| New Zealand | $10,000,000 | 39% | 5 | 188 |
| Greece | €250,000 | 44% | 7 | 185 |
| Thailand | $500,000 | 35% | 5 | 80 |
| Argentina | $100,000 | 35% | 2 | 170 |
Frequently Asked Questions
What is a Golden Visa? A Golden Visa is a residency-by-investment program that grants permanent residency in exchange for a qualifying investment (real estate, government bonds, or business investment). After a set period (typically 5-10 years), you can apply for citizenship.
Which country has the fastest path to citizenship? Argentina offers the fastest path at 2 years of residency. Caribbean nations like St. Kitts offer direct citizenship through investment (no residency required), but these programs have higher costs and less travel freedom.
Is Argentina safe for wealthy individuals? Argentina has a history of economic instability (inflation, currency controls), but for the ultra-wealthy, it represents a southern hemisphere "Plan B" option. The key is diversification—Argentina as one door among many, not the sole strategy.
How much wealth should I diversify? Experts recommend diversifying 10-30% of net worth across jurisdictions, depending on your risk profile. The higher your risk score from this calculator, the more you should consider diversifying.
What are the tax implications? Tax treatment varies by country and your tax residency status. Some countries (UAE, Singapore) have 0% personal income tax. Others (Portugal) offer special tax regimes for new residents. Always consult a tax advisor before making decisions.
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