The fund
If I invest €500,000 through a qualifying Portuguese investment fund, how does the investment work, what should I look for when selecting a fund, and what are the risks?
At a glance
Documents
Ask for the fund documents, manager credentials and evidence of Golden Visa eligibility.
Fees
Request the full fee schedule. Separate invested capital from charges paid to the fund and other providers.
Risk
Review the assets, reporting and risks to your capital. Regulation does not guarantee returns.
Exit
Check the investment term, withdrawal restrictions and exit conditions against your family’s plans.
The full answer
Understand the requirements. Review your circumstances with qualified advisors.
The €500,000 is an actual investment, not a fee paid to obtain residency. You acquire units or shares in a qualifying collective investment vehicle and your capital is invested according to that vehicle's strategy. For Golden Visa eligibility, the vehicle must be established under Portuguese law, be non-real-estate, have a maturity of at least five years at the time of investment and invest at least 60% of its portfolio in companies headquartered in Portugal.
Immigration eligibility and investment quality are two separate questions. Before investing, you should understand the manager, strategy, underlying assets, fees, liquidity, maturity, risk profile and potential exit. Portuguese collective investment vehicles operate within a regulated framework overseen by the CMVM, but regulation does not guarantee capital preservation or returns.
The investment must also continue to satisfy the Golden Visa requirements for as long as you rely on it to renew the permit. At Plural, we therefore believe the immigration objective and the investment decision should be assessed together, while recognising that every investment involves risk and returns are never guaranteed.
General information only, not legal, tax or investment advice.
Share your family’s plans, investment budget and timeline with Investor Relations. Our team can help you understand the next steps and the questions to review with your advisors. No investment commitment.