Independent Fund Advisory — Zero Commissions

The Commission Problem

When advisors earn commissions from funds, conflicts of interest are unavoidable:

• Funds with higher commissions get recommended more often
• Funds with no commission arrangements get ignored
• Advisors have no incentive to recommend "cheaper" funds with lower fees
• The investor never knows which recommendations are genuinely best

The Independence Difference

When we're paid only by you:

• We can recommend any fund—including those that don't pay commissions
• We have no incentive to push higher-fee funds
• Our success depends on your satisfaction, not fund manager relationships
• You know exactly what you're paying and why

Transparency in Action

We disclose our fee structure upfront. You know exactly what you're paying before you engage us. There are no hidden costs, no commissions added to your fund subscription, no surprises.

We've developed a systematic approach to fund selection:

1. Investor Profile Assessment

We start by understanding you:

• Risk tolerance (conservative to aggressive)
• Investment timeline and liquidity needs
• Tax situation (US, UK, EU, or other nationality)
• Financial goals beyond the Golden Visa
• Any specific requirements or exclusions

2. Database Filtering

Our database covers 36 CMVM-verified funds with standardized data on:

• Fee structures (subscription, management, performance)
• Risk profiles and historical performance
• Fund manager track records
• Tax compliance documentation (PFIC statements, Reporting Fund status)
• Exit timelines and procedures

We filter based on your criteria—eliminating funds that don't match your profile before deep analysis.

3. Due Diligence

For shortlisted funds (typically 8-12 candidates), we verify:

• Current CMVM registration status
• Fund manager credentials and history
• Portfolio transparency and reporting quality
• Exit strategy clarity
• Documentation availability for your nationality

4. Shortlist Presentation

You receive 5 recommended funds with:

• Clear explanation of why each matches your profile
• Complete fee comparison over your expected holding period
• Specific considerations for your nationality
• Our honest assessment of pros and cons

We Do:

• Provide independent fund comparison and recommendations
• Help you understand fund structures and fee implications
• Explain tax considerations for your nationality
• Answer questions about the fund selection process
• Offer ongoing support during fund subscription

We Don't:

• Act as your legal representative (you need a Portuguese lawyer)
• File your Golden Visa application (lawyers handle this)
• Provide tax advice (we explain considerations; you need a tax professional)
• Manage your investment (the fund manager does this)
• Guarantee fund returns (no one can)

Our Role in the Process

Think of us as your independent research partner. We help you make an informed fund decision before you engage lawyers and submit applications. We sit between "I want a Golden Visa" and "Here's my fund subscription"—filling the gap where most investors struggle.

Portugal Golden Visa Funds was founded to solve a specific problem: investors couldn't find trustworthy, independent guidance on fund selection.

The Problem We Saw

Most Golden Visa investors faced a frustrating choice:

• Research 36 funds yourself (40-100 hours, no framework)
• Trust an advisor who earns commissions (conflict of interest)
• Ask a lawyer who isn't a fund expert (limited guidance)

The Solution We Built

We created the first independent fund advisory focused exclusively on Golden Visa fund selection:

• Standardized database of all CMVM-approved funds
• Methodology for matching funds to investor profiles
• Transparency about our business model and fees
• Specialization in cross-border tax considerations

Our Commitment

We'll never accept commissions from fund managers. Our business model depends on investor trust, and trust requires genuine independence. If we ever compromise that, we have no business.

Primary Clients

• US Investors: Need PFIC-compliant funds with proper documentation
• UK Investors: Require understanding of Reporting Fund status
• International HNWIs: Seeking EU residency/citizenship pathway
• Families: Including spouse, children, and dependent parents

Common Situations

• "I've spent months researching and I'm more confused than when I started"
• "My lawyer recommends a fund but I'm not sure if it's the best option"
• "I'm a US citizen and I'm worried about PFIC complications"
• "I want to compare multiple funds but there's no standardized information"
• "I don't trust that my advisor's recommendations are unbiased"

Not Right For

• Investors who have already selected their fund (we can't help post-subscription)
• Those seeking legal representation (we're not lawyers)
• Anyone needing tax filing services (we explain considerations, not file returns)
• Investors expecting guaranteed returns

Ready to Start?

The best way to begin is with our fund matching questionnaire. It takes about 15 minutes and helps us understand your situation before we talk.

Have Questions First?

We're happy to answer questions about our process before you commit. Book a brief call to discuss whether we're the right fit for your situation.

Existing Clients

If you're already working with us, your dedicated advisor is your primary contact. Reach out directly with any questions.