For families facing greater uncertainty, a second citizenship can provide mobility, optionality, and greater control over what comes next.
For many globally mobile families, uncertainty is no longer an abstract concern. Geopolitical instability, economic change, and shifting regulations are making long-term planning feel less predictable.
That is increasingly reflected in the conversations Apollo IMA is having with clients. The concern is not simply about where conditions stand today but about how quickly circumstances can change and how much control a family will retain if they do.
A second citizenship can provide an important layer of optionality.
It can offer greater mobility, an alternative place to reside, broader access for family members, and greater flexibility when business, education, or personal circumstances change. For some investors, the greatest value is not in using those benefits immediately but in knowing they are available if needed.
This is where the concept of a Plan B becomes more meaningful. It is not necessarily about leaving one country for another. It is about reducing dependence on a single outcome and creating additional choices before circumstances force a decision.
At Apollo IMA, we view second citizenship as part of long-term family planning rather than a short-term response to uncertainty. The right program should be selected based on the family’s objectives, existing nationalities, and future priorities.
In an unpredictable environment, having more than one viable path forward can itself be a valuable form of security.
If you’re considering a second citizenship and need help deciding which program works best for you, contact us today for a private consultation.
Greece Plans Major Tax Increase for Non-EU Property Buyers
A proposed 15% transfer tax from 2027 could materially raise acquisition costs for Golden Visa investors.
Greece has announced plans to increase property transfer tax for non-EU buyers from 3% to 15% from January 1, 2027, a change that could significantly affect the cost of obtaining the country’s Golden Visa through real estate.
If implemented as announced, the impact would be substantial. An €800,000 property could carry €120,000 in transfer tax rather than approximately €24,000 today. On a €400,000 investment, the tax could rise from €12,000 to €60,000, while a €250,000 qualifying conversion or restoration project could move from €7,500 to €37,500.
For investors, the key issue is therefore not a change to the Golden Visa itself, but a potentially much higher cost of acquiring the property required for it.
Important details remain unresolved, including possible exemptions, transitional protection for transactions already underway, and how existing residence permit holders or company-held purchases may be treated.
For investors already considering Greece, timing now deserves closer attention. Transactions planned for 2026 should be reviewed carefully against the proposed January 2027 implementation date, while any decision to accelerate an acquisition should still be based on the quality of the asset and the investor’s wider objectives.
The practical takeaway is simple: Greece remains attractive, but acquisition costs could soon change materially. Planning early gives investors more room to assess their options before the proposed rules take effect.
Contact us today to structure your Greece Golden Visa real estate investment.
Grenada Delays 30-Day Residence Rule: What Investors Should Know
The proposed requirement is on hold, but future applicants may still need to plan for physical presence.
Grenada’s proposed 30-day residence requirement for citizenship by investment did not take effect on August 31 as previously expected, leaving the program’s existing physical-presence rules unchanged for now.
The requirement forms part of a wider Caribbean effort to strengthen CBI regulation, establish greater links between new citizens and their countries of citizenship, and introduce more consistent standards across the five participating Eastern Caribbean programs.
Once implemented, qualifying families would need to complete 30 days of physical presence in Grenada within the first five calendar years after citizenship is granted. Each named dependent would also need to spend at least five days in the country during the first 12 months, alongside an integration requirement.
Implementation has been deferred because the new regional regulator, ECCIRA, is not yet operational and the five participating states have not formally agreed on a common commencement date.
For investors, the distinction is important. There is currently no new mandatory residence requirement in force, but the policy itself has not been withdrawn. Pending applications may also potentially fall within future transitional provisions.
Applicants therefore do not need to change travel plans immediately, but anyone considering Grenada should assess the program with the proposed requirement in mind rather than assuming today’s conditions will remain unchanged.
The practical approach is to proceed based on current rules while remaining prepared for greater physical-presence obligations as the regional framework develops.
Malta MPRP: A Permanent European Plan B From €100,000
Permanent residence, leasing flexibility, and four-generation inclusion make the MPRP a compelling option for families seeking genuine European relocation security.
For families increasingly concerned about where they could genuinely relocate if circumstances change, Malta offers something many European investment migration programs do not: permanent residence from the outset.
The Malta Permanent Residence Program provides qualifying non-EU families with permanent residence in Malta, alongside visa-free travel across the Schengen Area.
The program starts from approximately €100,000 in fees and contributions, while the current processing timeframe is around eight months. What truly distinguishes Malta’s MPRP from similar EU Golden Visas is the unique flexibility to lease qualifying property rather than purchase it.
For comparison, Portugal’s Golden Visa begins with temporary residence, with permanent residence generally available after five years subject to the applicable requirements. Greece’s Golden Visa remains fundamentally property-led, requiring investors to commit significant capital to qualifying real estate.
Hungary’s Guest Investor Program also offers a highly attractive renewable residence permit for up to ten years, but obtaining long-term permanent status generally requires at least three years of legal residence in Hungary.
Malta therefore serves a very different investor objective—for a family whose priority is not simply obtaining another residence card but establishing a credible European Plan B they could actually use, permanent status matters.
The ability to lease also preserves significantly greater capital flexibility for investors who do not want their residency strategy tied to a substantial property acquisition.
Family inclusion strengthens the proposition further. The MPRP can accommodate up to four generations within one application, making it particularly relevant for families planning beyond the immediate applicant, spouse and children.
For Apollo IMA, Malta is especially compelling for investors prioritizing permanence, relocation readiness, and family security over a purely investment-led Golden Visa strategy.
If EU residency forms part of your contingency strategy, Apollo IMA provides end-to-end advisory, helping families assess suitability, structure the right route, and manage the process through to permanent residence.
Contact us today to book a private consultation on the Malta MPRP.
The LA Sagesse Collection, GRENADA
A limited beachfront investment combining Grenadian citizenship, defined returns, and a prime position beside two global luxury resorts.
Set directly on La Sagesse Bay, The La Sagesse Collection is offering a limited release of investment shares in ocean-view residences within one of Grenada’s most distinctive beachfront destinations.
The development sits immediately alongside Six Senses La Sagesse and the InterContinental Grenada Resort & Spa, placing investors within a hospitality-led destination anchored by two internationally recognized luxury brands. The residences comprise studio, one-bedroom, and two-bedroom apartments with panoramic ocean views and direct beachfront access.
Investment shares begin at US$270,000 and qualify under Grenada’s Citizenship by Investment Program. The structure can include the principal investor alongside eligible family members, while providing access to Grenadian citizenship for life and international mobility benefits.
The investment proposition extends beyond citizenship. Investors receive a US$54,000 guaranteed yield over five years, payable upon project completion, together with seven complimentary nights each year at the InterContinental Grenada Resort & Spa. After the required five-year holding period, the investment may be sold, while the original investor retains Grenadian citizenship.
The La Sagesse Collection combines real estate exposure, lifestyle benefits, and citizenship within a single structure.
With only a limited number of investment shares available, this is a particularly compelling option for investors seeking both a tangible Caribbean asset and a long-term second citizenship strategy.
Contact us today to secure your investment in this exclusive property and obtain your Grenadian citizenship.
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Ammara Jabeen Joins the APOLLO IMA Team as Advisor – Private Clients
Apollo IMA continues to strengthen its private client advisory team with dedicated, personalized guidance for families navigating global mobility decisions.
We’re pleased to welcome Ammara Jabeen to Apollo IMA as Advisor, Private Clients.
Ammara joins our team to work directly with clients navigating citizenship and residency planning, bringing a dedicated point of contact for families and individuals building their global mobility strategy.
As our client base continues to grow, advisors who can offer personalized, hands-on guidance matter more than ever, and we’re proud to have her expertise on the team.
Welcome, Ammara.
