• Skip to primary navigation
  • Skip to main content
The Golden Portugal

The Golden Portugal

The Partner on Your Journey in Portugal

  • Home
  • Portugal Golden Visa
  • Golden Visa Investment Products & Services
    • Initial Consultation
    • Portugal Golden Visa Properties
    • Portugal Golden Visa Investment Funds
  • Why The Golden Portugal
  • News & Articles
  • Contact us
  • ENEN
    • ENEN
    • 繁體繁體
    • 简体简体
  • Show Search
Hide Search
Cost comparison of fund vs property investment for Portugal Golden Visa

Portugal Golden Visa Funds versus Property: A Complete Cost Comparison

Although property investment is still by far the most popular route for Portugal Golden Visa application, the fund investments route is gaining steam at the moment as more and more funds are qualified for the Golden Visa scheme. Here we will give you a break down on the estimated cost comparison for these two investments.

For illustrative purposes, we have only include the two most popular options of property investment – the 350k option and the 500k option. For the low entry property investment (280k), the title transfer fees and stamp duty percentage would be lower.

A cost comparison between fund investment and property investment for Portugal Golden Visa

Table of Contents

  • 1. Less cost with fund investments
  • 2. Less tax with fund investments
  • 3. Less hassles with fund investments
  • Is fund the better option for getting your Portugal Golden Visa?
    • Learn more about the Portuguese Golden Visa and see how you can get your Portugal residency and citizenship!

1. Less cost with fund investments

Funds don’t have all the transfer fee of a property like stamp duty, title transfer and so on.

And if you want to rent out the apartment furnished, you would need to put in furnitures. Plus real estate commission to get your apartments rented out, building management fee, and property management fees. The difference on cost for funds and property investment at the same amount (350k euro) comes to a 65k euro differences..

2. Less tax with fund investments

NO income or capital gain tax on your fund investment if you are a non tax resident of Portugal.

With fund, you don’t need to pay any income or capital gain tax if you are a non tax resident of Portugal. You only need to registered as a Portugal tax resident if you reside in the country for more than 183 days.

With property, regardless you are a tax resident or not, you need to pay tax on the income annually and on the capital gain when you sell the property.

3. Less hassles with fund investments

Fund investments has a fund manager to help you invest and manage the fund (fund management fee varies). Property investments is a big hassle if you have to manage it yourself. But you can hire a property management company to handle that for you.

Is fund the better option for getting your Portugal Golden Visa?

No, it depends. Fund investments have lower cost and lower tax. That’s objectively true. However, the knowledge of choosing a good fund investment and a good property investment are two different skill sets. And the choice should rest on which options you feel more comfortable in investing and in choosing.

If you are interested in getting your Portugal Golden Visa with fund investment, than you have to read the 7 Advantages of getting your Portugal Golden Visa through fund investment.

It would be wise to go thru a trusted partners for either investment options. Find a one-stop solution provider to ensure that they are not just there to sell their products, but get the property or fund vetted and are there to accompany you throughout your journey of getting the passport.

Also, for most property options (other than buy back ones), you can choose to hold it for as long as you wish and you can even pass it to your descendent, but fund usually has a limited holding period, after which the fund needs to exit and the profits are distributed to the investors.

Also, property investment may allows you to add value (through refurbishing, adding a bedroom, etc) to the property. Whereas in funds, you don’t have this type of autonomy or opportunities for value add to your investment.

Learn more about the Portuguese Golden Visa and see how you can get your Portugal residency and citizenship!


  • Share on Twitter Share on Twitter
  • Share on Facebook Share on Facebook
  • Share via Email Share via Email

Join Our Mailing List
Get the latest updates on golden visa and related investments opportunities, and everything else about living in Portugal.

  • | The Golden Portugal
    The End of an Era with Real Estate Investment, The Beginning of the Next Phase!
  • | The Golden Portugal
    Breaking News – Portuguese President Veto The Latest ‘More Housing’ Bill
  • | The Golden Portugal
    Final Vote on Portugal Golden Visa 
  • | The Golden Portugal
    A Look into 2022 Portugal Golden Visa Total Approvals
  • | The Golden Portugal
    Portugal Golden Visa Approval 2022!
  • | The Golden Portugal
    A Tale of Twin Citizenships
  • lisbon
    The Future of Portugal’s Golden Visa – 2022 and after
  • | The Golden Portugal
    In 2021, 89% of Our Clients Went for the Fund Route
  • Get golden visa portugal
    The Hidden Gems in Portugal – Alcacer do Sal
  • Profit and loss comparison for property vs fund
    The Biggest Advantage of Investing in Fund for Your Golden Visa
  • golden visa portugal consultant
    Is There Still Enough Time to Catch the Deadline of December 31st for My Golden Visa Application Submission?

Written by:
Susana Yang
Published on:
2021-04-01

Categories: Investment Fund, PropertyTags: cost comparison, Golden Visa Portugal, Golden Visa properties, investment funds

Join Our Mailing List
Get the latest updates on golden visa and related investments opportunities, and everything else about living in Portugal.

Explore more

Subscribe to our newsletter Contact us Get investment info
Golden Visa Portugal Consultant

Footer

The Golden Portugal

Avenida da República, n.º 49, 4 piso, 1050-188, Lisboa, Portugal
+351 933 106 667 

[email protected]

Copyright © 2023 · The Golden Portugal · All rights reserved.

Disclaimer

Keep In Touch

  • Facebook
  • Twitter
We use cookies on our website to give you the most relevant experience by remembering your preferences and repeat visits. By clicking “Accept”, you consent to the use of ALL the cookies.
Cookie settingsACCEPT
Manage consent

Privacy Overview

This website uses cookies to improve your experience while you navigate through the website. Out of these, the cookies that are categorized as necessary are stored on your browser as they are essential for the working of basic functionalities of the website. We also use third-party cookies that help us analyze and understand how you use this website. These cookies will be stored in your browser only with your consent. You also have the option to opt-out of these cookies. But opting out of some of these cookies may affect your browsing experience.
Necessary
Always Enabled
Necessary cookies are absolutely essential for the website to function properly. These cookies ensure basic functionalities and security features of the website, anonymously.
CookieDurationDescription
cookielawinfo-checbox-analytics11 monthsThis cookie is set by GDPR Cookie Consent plugin. The cookie is used to store the user consent for the cookies in the category "Analytics".
cookielawinfo-checbox-functional11 monthsThe cookie is set by GDPR cookie consent to record the user consent for the cookies in the category "Functional".
cookielawinfo-checbox-others11 monthsThis cookie is set by GDPR Cookie Consent plugin. The cookie is used to store the user consent for the cookies in the category "Other.
cookielawinfo-checkbox-necessary11 monthsThis cookie is set by GDPR Cookie Consent plugin. The cookies is used to store the user consent for the cookies in the category "Necessary".
cookielawinfo-checkbox-performance11 monthsThis cookie is set by GDPR Cookie Consent plugin. The cookie is used to store the user consent for the cookies in the category "Performance".
viewed_cookie_policy11 monthsThe cookie is set by the GDPR Cookie Consent plugin and is used to store whether or not user has consented to the use of cookies. It does not store any personal data.
Functional
Functional cookies help to perform certain functionalities like sharing the content of the website on social media platforms, collect feedbacks, and other third-party features.
Performance
Performance cookies are used to understand and analyze the key performance indexes of the website which helps in delivering a better user experience for the visitors.
Analytics
Analytical cookies are used to understand how visitors interact with the website. These cookies help provide information on metrics the number of visitors, bounce rate, traffic source, etc.
Advertisement
Advertisement cookies are used to provide visitors with relevant ads and marketing campaigns. These cookies track visitors across websites and collect information to provide customized ads.
Others
Other uncategorized cookies are those that are being analyzed and have not been classified into a category as yet.
SAVE & ACCEPT
Powered by CookieYes Logo