Why We're Moving €500,000 of Our Retirement Investments to Portugal | Queer Money Ep. 656

We're moving €500,000 of our retirement investments out of the United States and into Portugal.

Yes, the investment can potentially qualify us for Portugal's Golden Visa. But here's the part that may surprise you:

If Portugal eliminated the Golden Visa tomorrow, we'd still make the investment.

Why?

Because we're increasingly uncomfortable having so much of our financial future tied to one country, one currency and one economy.

In this episode of Queer Money®, we're getting personal about our own retirement portfolio and the three reasons we're investing in the Optimize Portugal Golden Opportunities Fund, plus the one reason we absolutely wouldn't.

Portugal's market returned approximately 37% in 2025 versus roughly 17% for the U.S. market, and through the period discussed in this episode, Portugal continued to outperform the U.S. The fund we're investing in returned 25.1% in 2025 and reported a 13.6% annualized return since its 2021 inception.

Of course, past performance doesn't guarantee future returns.

But performance is only part of our decision.

💡 Takeaways from this episode:

• Why we believe the investment needs to make sense even without the Golden Visa
• 📈 What we're actually buying inside the Optimize Portugal Golden Opportunities Fund
• 💶 Why another country, currency and economy can provide diversification to our heavily U.S.-focused portfolio
• 🌎 Why we're paying attention as some global pensions, institutions and central banks reconsider their exposure to U.S. assets
• 🏳️‍🌈 How a qualifying €500,000 investment may provide another path toward living in Europe through Portugal's Golden Visa
• 💰 The math behind how €500,000 earning the fund's historical 13.6% annualized return would equal approximately €68,000 per year before taxes
• ⚠️ The risks of concentrating money in a relatively small foreign market
• 🚫 And the one reason we wouldn't make this investment: We would never invest €500,000 simply to get a visa if we thought the underlying investment sucked.

We're not abandoning America.

We're trying to stop making America our only financial plan.

For us, wealth is increasingly less about accumulating more stuff and more about accumulating choices, options and freedom.

Optimize Investment Partners sponsors Queer Money®, and we're personally investing in the Portugal Golden Opportunities Fund strategy discussed in this episode.

This episode is for financial education only and isn't investment advice. International investing involves risk, including market, concentration and currency risk, as well as additional tax and reporting considerations. Past performance isn't indicative of future results.

Want to learn more about the Optimize Portugal strategy, its holdings, performance, risks and the €500,000 Golden Visa route?

If you're curiouse about Optimize Investment Partners to request more information directly from their team here: https://bit.ly/PGOF-2

And if you're considering retiring or moving abroad, download our FREE Queer Money Retire Abroad Checklist below.

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