Portugal Homes has shared much of its history with the Portugal Golden Visa, and even though it’s no longer possible to invest in real estate and get residency in Portugal and the EU, we have not given up on it. In fact, we have reinvented our approach to one of the world’s most famous and coveted Golden Visa programmes and have expanded our portfolio to the investment funds option.
What is the Investment Funds Option for the Portugal Golden Visa?
The Portugal Golden Visa is a government-approved investment program that encourages international capital through certified options in exchange of residency status.
Real estate purchase used to be among them and was undoubtedly the most popular option. However, the option was revoked in October 2023, which led to widespread confusion about the entire program’s availability.
However, the Golden Visa remains operational through several other options, including private equity or venture capital funds. With a €500,000 investment in funds, applicants can obtain residency in Portugal and get all the same traditional Golden Visa benefits as they would with a real estate investment. There’s no need to relocate full-time, while remaining on track to eventually obtain EU Citizenship.
This option offers something unique that the real estate Golden Visa didn’t allow: the ability to get Portuguese residency, without the complexities often associated with property transactions. If you're planning for family, business, or personal freedom, the fund route allows you to invest confidently.
Each fund must have a minimum maturity of 5 years and direct most of its capital, at least 60%, towards Portuguese companies. From sustainable development and tech innovation to tourism and energy, investment funds offer access to some of the country’s most promising sectors. For many, this route offers a lower-maintenance experience than navigating the property market, without compromising on return potential or residency benefits.
Why Consider Investment Funds for the Golden Visa? - The Advantages
At Portugal Homes, we understand that every client has different priorities. While real estate remains the core of our business, we understand that funds is an enticing option for investors, this option has grown in popularity for those who prefer a streamlined, hands-off approach. Learn why:
Simplicity and Speed
Subscribing to a fund is often faster than securing a property, with fewer administrative steps and no need for physical inspections or location-based restrictions.
Peace of Mind
All eligible funds are authorised by the Portuguese Securities Market Commission (CMVM) and operate under strict regulatory frameworks. That means increased transparency and investor protection.
Lower Initial Cost
The investment amount for the funds route is €500,000, with no hidden costs as opposed to other alternative Golden Visa options.
Tax Efficiency
If you remain a non-resident for tax purposes, you can benefit from certain tax exemptions on dividends and capital gains in Portugal.
Potential Return on Investment
Most funds diversify investments across multiple startups or small and medium-sized enterprises (SMEs). This can lead to potentially higher-than-average returns.
Diversified Portfolio
Unlike single-property investments, funds often spread capital across multiple ventures, helping to reduce risk while participating in high-growth segments like renewable energy, hospitality, and technology.
Hands-Off Investment
By investing in approved funds, you reduce your personal involvement, freeing you to focus on other priorities such as career, family, or global travel. As they are a thoroughly regulated option, investment funds are a smooth road to the Golden Visa, all without the usual complications associated with property ownership.
The Portugal Golden Visa Benefits
Beyond investment returns, the Golden Visa opens doors to a European lifestyle at your own pace. Key benefits include:
Residency Rights
Gain the legal right to live, work, and study in Portugal with a renewable residence permit. This also grants access to public healthcare and education systems, as well as the ability to register a business or invest locally.
Schengen Travel
Enjoy visa-free travel to 29 European countries within the Schengen Area. This freedom of movement allows for seamless personal and business travel throughout most of Europe without needing additional documentation.
Minimal Stay Requirement
Maintain your residency status with minimal physical presence: just 7 days in the first year, and 14 days in each subsequent 2-year period. This flexibility is ideal for frequent travellers and global professionals.
Family Inclusion
Your Golden Visa application can include immediate family members, such as your spouse, dependent children, and even dependent parents. This ensures your entire family can benefit from residency rights.
Pathway to EU Citizenship
After maintaining residency status for 5 years, you may become eligible to apply for Portuguese citizenship. A Portuguese passport grants you full EU citizenship with the right to live, work, and move freely across all 27 EU member states.
Your Next Step with Portugal Homes
Whether you’re considering investment funds for their simplicity, tax advantages, or strategic diversification, Portugal Homes is here to guide you every step of the way.
We partner with top fund managers, legal advisors, and financial professionals, while we take care of the residency process, to ensure you achieve your goals in Portugal.
Start your journey today. Portugal is not only a place to live, but a place to thrive.
Read more:
How to get Portuguese Citizenship through a Residency Investment
Portugal Homes introduces Mátria, a Portugal D2 Visa Investment in Lisbon
Portugal Golden Visa and Dual Citizenship for Americans
