<h2>How to Retire in Portugal</h2>Picture it: retiring fabulously in Portugal with LGBTQ+ protections, world-class healthcare, and the freedom to split time between Europe and the U.S.—without uprooting your life today. In Queer Money® episode 613, we sit down with Pedro Lino, CEO of Optimize Investment Partners, to unpack the Portugal Golden Opportunities Fund—a SEC-registered, PFIC-compliant mutual fund designed to qualify investors for Portugal’s Golden Visa (residency now, citizenship later). We cover why a Golden Visa can be smart “life-hedging” in uncertain times, how the fund works (stocks/bonds, no real estate), what’s changing in Europe, using self-directed IRAs, costs, timelines, and how one investment can include your spouse, kids, and even parents through family reunification.Whether your dream is six months in Lisbon and six months stateside, a second passport for your kids’ future, or a values-aligned Plan B if U.S. politics keeps fraying your nerves, this episode gives you the details to decide with confidence.<h2>Takeaways</h2><ul><li>A Golden Visa is optionality: live/work/travel in the EU now or later—without leaving the U.S. immediately.</li><li>Portugal is consistently LGBTQ+ friendly, with significantly lower healthcare costs and robust protections.</li><li>The current path is via eligible investment funds (no real estate); fund must meet strict criteria (≥60% PT companies, no real estate, long-only, five-year availability).</li><li>Self-directed IRAs can be used; look for SEC-registered and PFIC-compliant structures to keep U.S. tax/reporting clean.</li><li>One qualifying investment can include spouse, kids, and parents via family reunification, creating a multi-generational Plan B.</li></ul> <h2>Chapters</h2><ul><li>00:00 – Dream setup & why a Plan B now</li><li>01:22 – What a Golden Visa actually gives you (residency → citizenship)</li><li>03:18 – You don’t have to move today: optionality for LGBTQ+ families</li><li>05:02 – Why Portugal for LGBTQ+ safety, community & healthcare</li><li>07:10 – Real-estate option removed: what changed and why funds remain</li><li>10:12 – Inside the Golden Opportunities Fund (eligibility rules, asset mix)</li><li>13:15 – Returns, risk, and diversification vs. buying a single property</li><li>16:02 – Using self-directed IRAs; SEC & PFIC compliance explained</li><li>19:04 – Demand, timelines, and potential policy shifts to watch</li><li>22:31 – Costs, EUR/USD realities & creative ways families reach €500K</li><li>26:05 – Family reunification: who can be included under one application</li><li>28:40 – Downturn strategy: dividend-rich Portuguese market & bonds</li><li>31:12 – What Optimize handles vs. what U.S. custodians/lawyers handle</li><li>34:20 – Wrap-up & how to send us follow-up questions</li></ul> Download your free <a href="https://queermoneypodcast.com/hgrcalc" rel="noopener noreferrer" target="_blank">Happy Gay Retirement Calculator</a>Mentioned in this episode:Get Your Portugal Golden Visa Faster Here!Want a European passport with access to living in nearly any European country? Just click the link below to find out how. <a href="https://queer-money.captivate.fm/pgof-2">Get Your Portugal Golden Visa Here!</a><a href="https://queer-money.captivate.fm/pgof-2">Get Your Portugal Golden Visa Here!</a>

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Portugal’s Golden Visa, Simplified: How One Fund Becomes Your Plan B Passport | Queer Money Ep. 613

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