Panama Residency & Citizenship by Investment: Your Gateway to Global Freedom in 2026
Discover why Panama's investment programs are revolutionizing global mobility for high-net-worth families and strategic investors seeking unparalleled opportunities in the Americas.
Welcome to Your Future: PANAMA Awaits
Expert Guidance You Can Trust
Robin Smith - CBI & RBI Partner
mobile: + 27 83 485 9031
email me at robin.smith@holbornassets.com
HOLBORN ASSETS - Partner www.holbornassets.com
and www.holbornpass.com
RESIDENCY WEALTH -Senior Partner www.residencywealth.com
GLOBAL PASSPORT NOW - Senior Partner www.globalpassportnow.com
GLOBAL PROPERTY NOW - CEO www.globalpropertynow.com
As a distinguished partner of Holborn Assets and Residency Wealth as well as Global Passport Now, I've helped many families and individuals navigate the complex landscape of residency and citizenship by investment programs worldwide.
Panama's 2026 programs represent the most compelling opportunity I've seen in my career—combining strategic geographic positioning, robust tax advantages, and unmatched lifestyle benefits that rival and often surpass traditional European options.
Let me guide you through why Panama should be at the top of your consideration list for securing your family's global future.
We will be launching a new offering and development of apartments in Panama which would be an ideal investment and as a selected approved residential development to obtain Panama Residency. We expect this will be selling very fast, once launched around the end of January 2026. Please get in contact as soon as possible. I/we can explain all information and secure Your future.
Why Panama Is the Best New Option for 2026
Strategic Location
Just 2.5 hours from Miami and perfectly positioned as the Bridge of the Americas, connecting North and South.
Tax Advantages
Territorial tax system means foreign-sourced income remains untaxed—a game-changer for global investors.
Fast Processing
Streamlined approval timelines with professional guidance ensure you secure residency in months, not years.
Quality of Life
World-class healthcare, international education, tropical climate, and modern infrastructure at a fraction of European costs.
Panama's Geographic Advantage: The Americas' Strategic Hub
Closer Than You Think
Panama's proximity to the United States represents an unparalleled advantage for North American investors. With direct flights from Miami taking just 2.5 hours, you can maintain seamless business connections while enjoying residency benefits.
Unlike European alternatives requiring 8-12 hour flights, Panama keeps you connected to U.S. markets, family, and business interests. The city operates in Eastern Standard Time, eliminating jet lag concerns and facilitating real-time communication with North American partners.
This strategic positioning makes Panama ideal for investors who want international diversification without sacrificing accessibility to their primary operations and relationships.
Panama City: A Modern Metropolis
Panama City seamlessly blends cosmopolitan sophistication with tropical charm. The skyline rivals Miami's, while the historic Casco Viejo district offers European elegance. World-class dining, shopping, and entertainment options ensure your family will never feel they've compromised on lifestyle.
Understanding Panama's Investment Programs
01
Qualified Investor Visa
Invest in Panama real estate, time deposits, or approved securities to qualify for permanent residency status.
02
Residency Benefits
Gain immediate access to banking, tax advantages, and path to citizenship after five years of residency.
03
Citizenship Pathway
After maintaining residency, apply for Panamanian citizenship and passport with visa-free access to 140+ countries.
04
Family Inclusion
Include your spouse, dependent children, and even parents under age 25 dependents in your application.
Investment Requirements: Clear and Attainable
Real Estate Option
Minimum Investment: $300,000
Purchase titled property in Panama, offering both residency qualification and potential appreciation in one of Latin America's most dynamic real estate markets.
  • Beachfront condominiums
  • City center apartments
  • Mountain retreats
  • Commercial properties
Fixed Deposit Option
Minimum Investment: $750,000
Place funds in a three-year fixed deposit with a licensed Panamanian bank, earning interest while securing your residency status.
  • Capital preservation
  • Guaranteed returns
  • Full repatriation after three years
  • Bank stability
Securities Option
Minimum Investment: $500,000
Invest in approved Panamanian securities, bonds, or investment funds, combining growth potential with residency qualification.
  • Portfolio diversification
  • Professional management
  • Growth potential
  • Liquidity options
Tax Benefits: Keep More of What You Earn
Panama's Territorial Tax System Explained
Panama operates on a territorial tax system, which means only income generated within Panama is subject to taxation. This fundamental principle creates extraordinary opportunities for international investors and entrepreneurs.
Foreign-sourced income—including dividends, capital gains, royalties, consulting fees, and investment returns earned outside Panama—remains completely tax-free. This isn't a loophole; it's the foundation of Panama's tax code, designed to attract global capital and expertise.
Zero Tax on Foreign Income
Maintain your international business operations, investments, and income streams without Panamanian taxation on foreign-sourced earnings.
No Wealth or Inheritance Tax
Preserve family wealth across generations without estate taxes, inheritance levies, or wealth taxes on global assets.
Capital Gains Exemptions
Real estate held for more than two years is exempt from capital gains tax, incentivizing long-term property investment.
Tax Comparison: Panama vs. Traditional Jurisdictions
This comparison shows maximum marginal tax rates on foreign-sourced income for residents. Panama's territorial system means your international earnings remain completely untaxed, representing potential savings of hundreds of thousands or even millions of dollars annually for high-net-worth individuals.
Banking and Financial Services Excellence
World-Class Banking Infrastructure
Panama's banking sector ranks among the most sophisticated in Latin America, offering international-standard services with the privacy protections and professional expertise that high-net-worth individuals require.
As a residency holder, you'll gain access to multi-currency accounts, offshore banking structures, wealth management services, and investment platforms that facilitate global business operations. The banking system's strength stems from stringent regulations, high capital requirements, and a long tradition of serving international clients.
Major international banks maintain significant operations in Panama, alongside prestigious local institutions that specialize in private banking and asset management. Your residency status eliminates the compliance complexities that non-residents face, streamlining account opening and ongoing banking relationships.
Multi-Currency Accounts
Maintain accounts in USD, EUR, and other major currencies with seamless conversion and wire transfer capabilities.
Investment Platforms
Access global markets through Panama-based brokerage accounts and investment management services.
Private Banking
Premium relationship management for accounts above $500,000 with dedicated advisors and customized solutions.
Family Benefits: Security for Multiple Generations
Comprehensive Family Inclusion
Panama's residency programs recognize that your most valuable investment is your family's future. The program's generous dependent provisions ensure your entire family unit can benefit from residency status.
Primary Applicant & Spouse
Both spouses receive full residency rights with equal access to all program benefits and privileges.
Dependent Children
Include all children under 18, plus unmarried dependents under 25 who are full-time students.
Parents
Dependent parents of the primary applicant or spouse can also qualify for residency under the program.
Educational Access
Children gain access to excellent international schools and universities at resident tuition rates.
Education: World-Class Options for Your Children
International Schools
Panama City hosts numerous prestigious international schools offering American, British, and International Baccalaureate curricula. Your children will receive education comparable to top U.S. and European institutions at significantly lower costs.
  • The International School of Panama - IB World School
  • Balboa Academy - American curriculum
  • Metropolitan School of Panama - Bilingual education
  • King's College - British curriculum
Tuition ranges from $8,000 to $15,000 annually—far less than comparable U.S. or European private schools—while maintaining accreditation from international educational organizations.
Higher Education Opportunities
Panama's universities include branches of prestigious American institutions, ensuring continuity of educational excellence through university level while maintaining resident tuition benefits.
Healthcare: Quality Care at Affordable Prices
Hospital Punta Pacifica
Johns Hopkins Medicine International affiliate offering U.S.-standard care with specialists trained at leading American institutions. State-of-the-art facilities rival top U.S. hospitals at 60% lower costs.
English-Speaking Physicians
Most doctors trained in the United States or Europe, ensuring communication ease and familiar treatment protocols. Many specialists maintain dual practices between Panama and the U.S.
Affordable Insurance
Comprehensive private health insurance costs $200-$400 monthly for families, compared to $1,500+ in the United States, with superior coverage and minimal deductibles.
Medical tourism statistics show procedures in Panama cost 40-70% less than in the United States, without compromising quality. The country has become a regional healthcare destination, attracting patients from throughout Latin America seeking excellence and value.
Cost of Living: Luxury for Less
Your Dollar Goes Further in Panama
60%
Lower Housing Costs
Compared to major U.S. cities for equivalent luxury properties
50%
Dining Savings
Restaurant meals and groceries cost half of U.S. metropolitan prices
70%
Household Staff
Domestic help, drivers, and childcare available at fraction of U.S. costs
$3K
Monthly Luxury Living
Maintain upscale lifestyle for a family of four comfortably
Panama's use of the U.S. dollar as official currency eliminates exchange rate risks and simplifies financial planning. Combined with lower costs, your investment income and savings stretch significantly further while maintaining or improving lifestyle quality.
Real Estate Market: Investment Opportunities
Diverse Property Options
Panama's real estate market offers exceptional value and variety, from beachfront luxury in Coronado and Playa Blanca to sophisticated city apartments in Panama City's exclusive neighborhoods like Punta Pacifica and Costa del Este.
The market has matured significantly, with professional developers, clear title processes, and increasing property values driven by Panama's economic growth. Many properties generate rental income from tourism or long-term tenants, creating investment returns beyond residency qualification.
Urban Living
  • High-rise condos with ocean views
  • Walkable neighborhoods
  • Building amenities (pools, gyms, security)
  • $250,000 - $500,000 range
Beach & Mountain
  • Beachfront homes and condos
  • Mountain retreats in Boquete
  • Resort-style communities
  • $300,000 - $600,000 range
Business Environment: Entrepreneurial Paradise
Why Entrepreneurs Choose Panama
Panama has positioned itself as Latin America's premier business hub, with a pro-business regulatory environment, modern infrastructure, and strategic location that facilitates trade between the Americas and beyond.
Easy Company Formation
Establish corporations in days with minimal bureaucracy and ongoing compliance requirements.
Regional Headquarters
Serve Latin American markets from Panama's central location with excellent connectivity.
Free Trade Zones
Access special economic zones offering additional tax benefits and import/export advantages.
Over 120 multinational corporations have chosen Panama for regional headquarters, including Procter & Gamble, Dell, 3M, and Caterpillar. This concentration of international business creates networking opportunities and validates Panama's appeal as a business destination.
Lifestyle: Tropical Paradise with Modern Amenities
Best of Both Worlds
Panama offers year-round summer weather with temperatures ranging from 75-90°F, perfect for outdoor activities and beach living. Yet you're never far from cosmopolitan sophistication.
World-class restaurants serve international cuisine alongside traditional Panamanian flavors. Shopping ranges from luxury brands in modern malls to artisan markets in historic districts. Cultural offerings include concerts, theater, art galleries, and international festivals.
Outdoor enthusiasts enjoy surfing both Pacific and Caribbean coasts, hiking cloud forests, sport fishing, sailing, and golfing on championship courses designed by legends like Jack Nicklaus and Robert Trent Jones.
Pacific & Caribbean Beaches
Access both oceans within hours for diverse coastal experiences
Rainforest Adventures
Explore some of the world's most biodiverse ecosystems minutes from the city
Cultural Richness
Blend of indigenous, Spanish, Afro-Caribbean, and international influences
Safety and Infrastructure: First-World Standards
Modern Infrastructure
Panama has invested billions in infrastructure over the past two decades, creating first-world standards that exceed many U.S. cities. The Panama Metro system, Central America's only rapid transit network, offers clean, efficient transportation. The expanded Panama Canal showcases engineering excellence that drives global commerce.
High-speed fiber optic networks provide internet speeds comparable to major U.S. cities. Water quality meets international standards. The Tocumen International Airport, hub for Copa Airlines, connects Panama to nearly every major city in the Americas with modern facilities rivaling any global airport.
Public Transportation
Metro system, modern bus network, and affordable taxi services including Uber throughout the city.
Road Network
Well-maintained highways connect major cities and coastal areas with ongoing expansion projects.
Utilities Reliability
Consistent electricity, water, and telecommunications with backup systems in place.
The Application Process: Clear and Straightforward
1
Initial Consultation
Meet with Robin Smith to review your situation, select the optimal investment path, and establish timeline expectations. We'll assess documentation requirements and answer all questions.
2
Document Preparation
Gather required documents including passports, birth certificates, marriage certificates, police clearances, and financial references. We provide detailed checklists and guidance.
3
Investment Completion
Execute your chosen investment—real estate purchase, bank deposit, or securities investment—with our vetted partners ensuring secure transactions.
4
Application Submission
File your residency application with the National Immigration Service with all supporting documentation properly authenticated and translated.
5
Approval & ID Card
Receive provisional approval within 6-8 months, then permanent residency card (cédula) allowing you to live, work, and enjoy all resident benefits.
Timeline: Your Path to Panama Residency
3-6
Months to Application
From initial consultation to submission with proper preparation and due diligence
6-8
Months to Approval
Government processing time for provisional approval with professional representation
5
Years to Citizenship
Maintain residency to qualify for Panamanian passport with visa-free global access
Compared to many citizenship by investment programs requiring 5-10 years of processing, Panama offers a refreshingly efficient timeline. With expert guidance from Robin Smith and the Holborn Assets team, most families complete the process within 9-14 months from initial decision to residency card in hand.
Comprehensive Comparison: Panama vs. European Golden Visas
Understanding your options requires examining how Panama compares to established European residency programs. Each program has merits, but Panama's combination of accessibility, tax benefits, and lifestyle advantages creates compelling value.
Investment thresholds tell only part of the story. Consider also processing times, tax implications, residency requirements, and pathway to citizenship when evaluating your options.
Detailed Program Comparison Matrix
This matrix reveals Panama's competitive advantages: lower investment threshold, zero foreign income tax, shorter processing times, minimal residency requirements, and unmatched accessibility for North American investors.
Portugal Golden Visa: The European Alternative
Program Overview
Portugal's Golden Visa program has attracted thousands of investors seeking EU residency and eventual citizenship. The program requires €500,000 investment in real estate or alternative qualifying investments.
Key Advantages:
  • Schengen Area access
  • Path to EU citizenship
  • Quality of life
  • Established program
Key Disadvantages:
  • High tax rates on foreign income
  • Longer flight times from Americas
  • Higher cost of living
  • Language requirements for citizenship
  • Recent program restrictions
  • For more information on the Portugal Golden Visa which is Residency with the full investment paid back at end of Year 6 and then Citizenship with Passports for Your Family in 6 Years (this maybe increased to 8 to 10 Years in 2026) visit this website www.portugalgvisa.com
Best For: Investors prioritizing European access and willing to navigate higher tax environments and regulatory complexity.
Panama Advantage: For Americas-focused investors, Panama offers comparable lifestyle benefits, superior tax treatment, and easier accessibility at lower investment thresholds.
Greece Golden Visa: Mediterranean Appeal
Program Overview
Greece offers the EU's most affordable Golden Visa at €250,000 for real estate investment, though recent changes have increased requirements in prime areas to €500,000.
Key Advantages:
  • Lower entry investment
  • No residency requirements
  • Schengen access
  • Beautiful locations
Key Disadvantages:
  • Economic instability concerns
  • High taxation on worldwide income for residents
  • Limited rental yields
  • Longer citizenship timeline (7 years)
  • Distance from Americas
Panama Advantage: Similar investment levels with superior tax benefits, stronger economy, and Americas positioning make Panama compelling for non-European focused investors.
Dubai Golden Visa: Middle East Option
Program Overview
The UAE Golden Visa provides long-term residency through real estate investment of approximately $545,000. Dubai appeals to investors seeking tax-free environment and Middle East business access. *Visit www.DubaiProperty.Group for more information on DUBAI and the UAE.
Key Advantages
  • Zero income tax
  • Fast processing
  • Modern infrastructure
  • Business hub status
Key Disadvantages
  • No citizenship pathway
  • Extreme climate
  • Cultural adjustment
  • Distance from Americas (14+ hours)
  • Higher cost of living
Panama Advantage: Panama matches Dubai's tax benefits while offering citizenship pathway, familiar Western culture, proximity to U.S., and lower living costs. For Americas-based investors, Panama's timezone and accessibility create significant practical advantages.
Italy Golden Visa: Premium European Option
Program Overview
Italy's investor visa program requires €2,000,000 in government bonds or €500,000 in an Italian company, representing the highest investment threshold among major programs.
Key Advantages:
  • Italian citizenship potential
  • EU membership benefits
  • Cultural and lifestyle appeal
  • Strong passport
Key Disadvantages:
  • Highest investment requirement
  • Complex bureaucracy
  • High taxation (up to 43%)
  • Strict residency requirements
  • Language requirements
  • Long citizenship timeline (10 years)
Panama Advantage: At one-sixth the investment requirement, Panama offers faster processing, minimal residency requirements, zero foreign income tax, and quicker citizenship pathway—making it accessible to a broader range of qualified investors.
Why Panama Wins for American Investors
Proximity
2.5 hours from Miami vs. 8-14 hours to Europe or Dubai
Tax Benefits
Territorial tax system vs. worldwide taxation in Europe
Processing Speed
6-8 months vs. 12-24 months for European programs
Investment Value
$300,000 minimum vs. $500,000-$2,000,000 elsewhere
Citizenship Path
5 years vs. 7-10 years in European programs
Flexibility
Minimal residency requirements vs. strict European obligations
Success Stories: Families Who Chose Panama
The Martinez Family - California
"After researching Portugal and Greece, Panama's proximity to our U.S. business operations and tax advantages made the decision easy. We can visit our Panama home regularly without the jet lag, and we're saving over $200,000 annually in taxes. Our children attend an excellent international school, and the lifestyle exceeds our expectations."
— Roberto Martinez, Tech Entrepreneur
The Chen Family - New York
"As physicians, we appreciated Panama's world-class healthcare system and the ability to maintain our U.S. connections. The territorial tax system protects our investment income, and Panama City offers sophistication we thought we'd have to sacrifice. Robin Smith guided us through every step professionally."
— Dr. Jennifer Chen, Medical Professional
Take Action: Your Panama Journey Starts Here
Next Steps with Robin Smith
01
Schedule Your Consultation
Book a comprehensive consultation to discuss your specific situation, investment goals, and timeline. We'll evaluate whether Panama aligns with your objectives.
02
Receive Custom Proposal
Get a detailed proposal outlining recommended investment path, cost breakdown, timeline, and expected outcomes tailored to your family.
03
Visit Panama
Experience Panama firsthand with an organized familiarization visit. Tour neighborhoods, schools, properties, and meet service providers.
04
Begin Your Application
Once committed, we guide you through document preparation, investment execution, and application submission with expert oversight.
Contact: Robin Smith
Leading CBI & RBI Partner at HOLBORN ASSETS
mobile: + 27 83 485 9031 (I reside in Cape Town, South Africa)
You can email me at robin.smith@holbornassets.com
www.ResidencyWealth.com www.GlobalPropertynow.com
Panama 2026: The Time to Act Is Now
Why 2026 Represents Opportunity
Global residency programs constantly evolve, with governments raising investment thresholds, tightening requirements, or closing programs entirely. Panama's current program offers exceptional value that may not last indefinitely.
Investment minimums remain at $300,000 for real estate—significantly below European alternatives. Processing times are efficient. Tax benefits remain robust. The pathway to citizenship stands at five years.
Smart investors recognize that the best time to secure residency is before program changes, not after. Panama represents your opportunity to secure your family's global mobility, financial privacy, and lifestyle enhancement at today's favorable terms.
Your Global Future Awaits in Panama
Join the hundreds of families who have already discovered why Panama is the Americas' premier residency and citizenship destination. With expert guidance from Robin Smith and the Holborn Assets team, your transition to Panamanian residency will be seamless, professional, and rewarding.
Begin Your Journey Today
Transform your family's future. Choose Panama. Choose freedom.