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Unlocking European Residency with a Smart Investment Strategy: Leave The USA

Use Your IRA to Get a Portuguese Passport Without Tax Residency


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Imagine securing a coveted European passport—one that offers access to all the perks of EU citizenship—without needing to become a tax resident or dip into your retirement savings. If that sounds appealing, you’re not alone. An increasingly popular route involves leveraging a self-directed IRA to fund an investment for Portugal's Golden Visa. This strategy allows U.S. citizens to pursue Portuguese residency and, ultimately, citizenship without triggering tax liabilities or the need to physically relocate to Portugal. Travel freely through the EU.


How Does This Strategy Work? Do I Need To Leave The USA?

The secret lies in using a self-directed IRA. A self-directed IRA allows you to invest in alternative assets beyond stocks and bonds, such as venture capital funds, private equity, or international companies—precisely the types of investments that the Portuguese Golden Visa program encourages.

Rather than withdrawing from your IRA (which would trigger early withdrawal penalties and taxes in the U.S.), you can direct your IRA investments through an LLC owned by the IRA. The LLC then makes the necessary investments to meet Portugal’s visa requirements, all while keeping your money within the IRA structure. This way, your funds grow tax-deferred (or tax-free if you’re using a Roth IRA) until retirement.


What Is the Golden Visa Program?

Portugal’s Golden Visa offers residency to non-EU citizens who invest in the country. Unlike typical visas, it has minimal residency requirements—you only need to spend seven days per year in Portugal. After five years, you can apply for permanent residency or citizenship, without ever needing to become a tax resident.

To qualify, you must invest a minimum of €500,000 in approved funds or assets. With the elimination of real estate investments as an option, many investors are looking at private equity or venture capital funds that focus on sectors like renewable energy, technology, and education. Do you have questions? Our expert relocation team is here to guide you every step of the way. Here's the link to get started.


Why This Strategy Works for U.S. Investors

This strategy offers several distinct advantages for American investors:

  1. Tax-Efficient Investing: Because your IRA holds the investment, you avoid U.S. taxes on early withdrawals.

  2. No Need to Relocate: The seven-day-per-year residency requirement means you can maintain your U.S. life while still working toward European citizenship.

  3. Portfolio Diversification: Investing in international private equity and venture funds allows you to diversify your portfolio beyond traditional U.S.-based assets.

  4. Future-Proof Your Travel Options: A Portuguese passport grants visa-free travel throughout the Schengen Area and access to work, live, or study anywhere in the EU.


How to Set This Up

  1. Open a Self-Directed IRA: Use a provider specializing in international investments, such as IRA Financial Group or Equity Trust.

  2. Set Up an LLC: The IRA-owned LLC will hold and manage the investments, ensuring everything stays within the IRA structure.

  3. Select an Eligible Fund: Choose a private equity or venture fund approved for the Golden Visa program, ensuring compliance with both U.S. and Portuguese regulations.

  4. Maintain the Investment: Keep the investment active for at least five years until you’re eligible for permanent residency or citizenship.


What Are the Risks?

As with any investment, there are risks to consider. Private equity funds and venture capital funds may be more volatile than traditional assets, with longer lock-in periods. Fees can also add up, including subscription, management, and performance fees. It’s important to consult with both U.S. financial advisors and Portuguese legal experts to ensure everything is compliant. We collaborate with Sandra Fernandes at SJF Consulting, whose team of immigration and investment specialists brings unparalleled expertise.


Conclusion: A Path to Freedom Without Tax Residency

If you’re looking for a way to unlock the benefits of EU citizenship without uprooting your life, using a self-directed IRA for Portugal’s Golden Visa program offers an innovative solution. You get to diversify your portfolio, avoid U.S. withdrawal taxes, and secure the freedom to travel, work, or study in Europe—all with just seven days per year in Portugal. After five years, you can apply for a Portuguese passport and enjoy all the benefits of European citizenship without ever becoming a tax resident.

This smart investment strategy isn’t just about financial growth—it’s about creating options for your future. Whether you want a backup plan for international living or a gateway to Europe for your family, the Golden Visa offers an exciting opportunity for those ready to think outside the box.


Special Offer: Start Your Adventure with Confidence

Ready to embark on your journey abroad? For a limited time, we’re offering exclusive discounts to help make your move smoother than ever. Use the code ItllBeFun10 to get an extra 10% off the current sale price of our It'll Be Fun Ultimate Moving Abroad Program. Or, take advantage of our 50% off our 12 Months To Freedom comprehensive package, which includes the Ultimate Moving Abroad Program, personalized one-on-one sessions, monthly online community meetups, and more. It’s everything you need to turn your dream of living abroad into reality. Don't wait—make your move with confidence! Move abroad and leave the USA behind.


Make Your Dreams Come True! We Should have Done This Sooner!



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