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Citizenship by Investment

Should I Do CBI or RBI? How Do I Decide? Asked Anonymously

I'm torn between Caribbean CBI (faster, full passport) and an EU residency-by-investment route (longer pathway but EU access). Budget is around USD 600k. What framework do you use to decide?

Answered by
Adrian Sinclair
Senior Partner & Head of European Programmes
The framework I use with clients distils to four questions: 1) Why do you actually need the second status? CBI delivers a passport in months; RBI delivers the right to live in a target country immediately but a passport only after 5–10 years of compliance. If your need is a stronger travel document, CBI usually wins. If your need is to live somewhere specific, RBI wins. 2) What's your tolerance for renewals? Many RBI programmes require renewals every 1–5 years and may demand minimum stay. CBI is typically one-time. 3) What's your tax exposure? RBI in a high-tax jurisdiction can change your global tax footprint. CBI alone usually does not. 4) What's recoverable? Most RBI investments are partially or fully recoverable after the holding period (real estate, funds). Most CBI contributions to development funds are not. At USD 600k you have access to all of Antigua, Dominica, Grenada, St Kitts, St Lucia (CBI) plus Greece (Golden Visa) and Malta MPRP (RBI). I'd be happy to model both scenarios against your specific objectives in a consultation.
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