Investment Migration for High-Net-Worth Individuals
Ultra-high-net-worth investors have access to premium programs that lower-budget options cannot match. Singapore GIP (SGD 10,000,000), Hong Kong CIES (HKD 30,000,000), Australia NIV, New Zealand Active Investor Plus (NZD 5,000,000), and several European options cater to investors committing $1 million or more. These programs often provide faster processing, more flexible terms, and access to the world's strongest passports and most stable economies.
Programs
9
Countries
8
Types
CBI & RBI
From
$1,000,000
Key Takeaways
- ✓ Singapore GIP and Hong Kong CIES target the ultra-wealthy with $5M-$30M thresholds
- ✓ Australia and New Zealand combine premium investment with top-5 global passports
- ✓ El Salvador Freedom Visa at $1,000,000 offers CBI with Bitcoin-friendly policy
- ✓ Malaysia MM2H Platinum at $1,000,000 is the only Asian program with work rights at this tier
All Programs at a Glance
Sorted by minimum investment. Click any country to explore in detail.
| Country | Program | Type | Min. Investment | Processing | Citizenship Path |
|---|---|---|---|---|---|
| 🇲🇾 Malaysia | MM2H Platinum | RBI | $1,000,000 | 3 months | No direct path |
| 🇦🇩 Andorra | Passive Residence Permit | RBI | €1,000,000 | 2-3 months | 20 years |
| 🇸🇻 El Salvador | Freedom Visa (Bitcoin Passport) | CBI | $1,000,000 | 2-3 months | Direct |
| 🇦🇪 UAE | Golden Visa | RBI | AED2,000,000 | 1-3 months | No direct path (UAE does not offer CBI) |
| 🇳🇿 New Zealand | Active Investor Plus | RBI | NZD 5,000,000 | 6-12 months | 5 years |
| 🇿🇦 South Africa | Business/Investment Visa | RBI | ZAR 5,000,000 | 3-12 months | 10 years (5 years to PR, then 5 years to citizenship) |
| 🇸🇬 Singapore | Global Investor Programme (GIP) | RBI | SGD 10,000,000 | 6-12 months | 2 years (eligible to apply after PR) |
| 🇭🇰 Hong Kong | Capital Investment Entrant Scheme (CIES) | RBI | HKD 30,000,000 | 6-12 months | 7 years (permanent residency) |
| 🇿🇦 South Africa | Financially Independent Person Permit | RBI | ZAR 37,000,000 | 6-12 months | 10 years (5 years to PR, then 5 years to citizenship) |
Explore Each Program
Detailed cards with investment requirements, timelines, and key benefits.
MM2H Platinum
$1,000,000
USD 1,000,000 fixed deposit in Malaysian bank (approx. RM 4.4M-4.7M depending on exchange rate) + mandatory property purchase RM 2M+ + participation fee RM 200K. Proof of RM 1.5M liquid assets and RM 60K/month offshore income required. Work and business rights included.
3 months
90 days/year
20 years (5-year renewal cycles)
Yes
No direct path
180
- ✓ Full work and business rights (only MM2H tier with this)
- ✓ 20-year visa, longest of all MM2H tiers
- ✓ USD 1M fixed deposit + RM 2M property + RM 200K participation fee
Passive Residence Permit
€1,000,000
€1M minimum investment in Andorran assets (real estate, shares, or bank deposits) + €50K government deposit under 2026 regulations. Alternative: €400K via the Andorran Housing Fund.
2-3 months
90 days/year
1 year (renewable)
No
20 years
- ✓ Residency only — no Andorran passport; your home-country passport continues to govern travel
- ✓ Zero tax on foreign-source income — Andorran income taxed at max 10%
- ✓ Only 90 days/year physical presence needed
Freedom Visa (Bitcoin Passport)
$1,000,000
$1M contribution (can be paid in Bitcoin or USD).
2-3 months
None
Citizenship (permanent)
Yes
Direct
134
- ✓ First Bitcoin-accepting CBI program
- ✓ 100% online, no visit required
- ✓ No capital gains tax on Bitcoin
Golden Visa
AED2,000,000
Property: AED 2M+ (equity portion, no 50% threshold since Feb 2026 — off-plan and mortgaged accepted). Or: AED 2M+ public investment/deposits. Entrepreneurs: AED 500K+ in approved startup. Expanded categories include content creators, educators, nurses (15+ years), e-sports professionals.
1-3 months
None (can stay outside UAE without visa cancellation)
10 years (renewable)
Yes
No direct path (UAE does not offer CBI)
183
- ✓ Zero personal income tax — no employment, investment, or capital gains tax
- ✓ Off-plan and mortgaged property now qualify (rule change Feb 2026)
- ✓ Can sponsor unlimited family members including adult children
Active Investor Plus
NZD 5,000,000
Growth category: NZD 5M+ in approved managed funds or NZ business direct investment, held 3 years (21 days/year stay). Balanced category: NZD 10M+ in mixed investments including bonds and new residential property, held 5 years (105 days/year stay). Both restructured April 2025.
6-12 months
21 days/3 years (Growth) or 105 days/5 years (Balanced)
4 years (leads to PR)
Yes
5 years
189
- ✓ Two-tier structure since April 2025 — Growth (NZD 5M) or Balanced (NZD 10M)
- ✓ Growth category: only 21 days presence over 3-year investment term
- ✓ No capital gains tax on shares or portfolio investments
Business/Investment Visa
ZAR 5,000,000
ZAR 5M (~$270K USD) in a South African business.
3-12 months
Must reside
3 years (renewable, leads to PR)
Yes
10 years (5 years to PR, then 5 years to citizenship)
106
- ✓ ZAR 5M (~$270K USD) — among lowest investment thresholds for a direct PR pathway globally
- ✓ Africa's largest and most diversified economy — gateway to continental markets
- ✓ GMT+2 timezone — convenient for Europe-facing business operations
Global Investor Programme (GIP)
SGD 10,000,000
Option A: SGD 10M into new/existing Singapore business (30+ employees, 50%+ Singaporean). Option B: SGD 25M into EDB-approved fund investing in Singapore companies. Option C: Single Family Office with SGD 200M AUM, SGD 50M deployed locally. Application fee SGD 20,000 (from May 2025).
6-12 months
Must be based in Singapore
Permanent Residence
Yes
2 years (eligible to apply after PR)
195
- ✓ World's strongest passport by visa-free access (195 countries)
- ✓ Grants PR directly — no provisional period
- ✓ Citizenship eligible after just 2 years of PR
Capital Investment Entrant Scheme (CIES)
HKD 30,000,000
HKD 30M (~$3.8M USD) in permissible financial assets. No property.
6-12 months
Must ordinarily reside in HK
2 years (renewable, leads to PR at 7 years)
Yes
7 years (permanent residency)
171
- ✓ No capital gains tax, no dividend tax, no estate duty — territorial tax system
- ✓ HKD 30M threshold (up from HKD 10M) — property excluded, financial assets only
- ✓ Relaunched 2024 after 9-year suspension (2015–2024)
Financially Independent Person Permit
ZAR 37,000,000
Proof of net worth of ZAR 37M (~$2M USD). No active business requirement.
6-12 months
Must reside
4 years (renewable, leads to PR)
No
10 years (5 years to PR, then 5 years to citizenship)
106
- ✓ Net-worth-based, no active business or employment required
- ✓ ZAR 37M (~$2M USD) threshold targets HNW retirees and passive investors
- ✓ Path to PR after maintaining status for 5 years
More Program Rankings
Get the Free Comparison Guide
A comprehensive breakdown of CBI and RBI programs worldwide, delivered to your inbox.
No spam. Unsubscribe anytime.