Investment Migration Strategies for Individuals with RMB 100 Million in Assets: My Top 5 Recommendations

At the RMB 100 million asset tier, individuals sit at an interesting crossroads—substantial capital, yet poised right on the threshold of full financial freedom.

Part 1: Three Core Assumptions for the 100 Million Asset Tier

Following our previous discussions on lifestyle planning for different wealth brackets, today we focus on a specific segment: individuals holding approximately RMB 100 million in liquid assets.

To frame this discussion properly, let’s establish three fundamental assumptions for this wealth tier:

1. An Intermediate Growth Stage: While RMB 100 million represents significant capital, it often falls just short of what many define as absolute financial freedom. At this stage, individuals are typically focused on scaling their enterprises, capturing new business opportunities, and building toward that ultimate milestone.

2. The Need for a Dual Focus: Priorities at this level center on two parallel goals: maintaining active business growth while establishing a reliable structural backup—a Plan B for personal security and family lifestyle enhancement.

3. The Critical Importance of Tax Efficiency: Selecting low-tax jurisdictions and establishing compliant tax residency becomes paramount to protect accumulated capital from excessive erosion.

Part 2: Why Tax Planning Cannot Be Ignored

At this asset tier, taxation structure can significantly impact long-term capital preservation. Without proper international tax planning under global regulatory frameworks (such as CRS), capital gains and cross-border earnings can face heavy tax burdens.

For instance, holding assets in high-tax jurisdictions without strategic structuring can lead to disproportionate tax liabilities on market gains without corresponding relief for market corrections. Therefore, individuals managing growing international portfolios must integrate compliant tax residency planning into their broader migration strategy.

With these principles in mind, here are my top 5 destination recommendations for individuals at this wealth level.

Part 3: My Top 5 Recommendations

1. Hong Kong SAR: Low Taxation and Proximity to Home Markets

Hong Kong stands out as an ideal option for this wealth tier. It features a transparent, highly competitive, and straightforward tax system with low single-tier profits tax rates, free from complex cumulative surcharges.

Beyond tax advantages, Hong Kong offers an exceptional living environment, world-class education for children, and close geographic proximity to mainland business operations. With multiple accessible pathways—such as the Top Talent Pass Scheme, Quality Migrant Admission Scheme, and postgraduate programs—relocating or establishing a dual-base in Hong Kong is highly practical.

2. Singapore: Academic Excellence and Favorable Tax Frameworks

Singapore is a natural counterpart to Hong Kong, offering similarly competitive tax incentives, a strategic geographic location, and a secure business environment. 

For families prioritizing education, Singapore boasts exceptional academic standards—including world-leading International Baccalaureate (IB) scores. Furthermore, its economic framework allows business owners and investors to establish operational footprints or family offices through efficient employment pass (EP) pathways, paving a smooth transition toward permanent residency.

3. United Arab Emirates (UAE): Strategic Business Hub and Tax Optimization

The UAE offers a highly favorable tax environment paired with dynamic commercial opportunities.

Beyond its winter climate and modern infrastructure, the UAE serves as a major global business and trade hub. Its flexible residency framework—including Golden Visas tied to real estate ownership, bank deposits, or corporate establishment—makes it an exceptionally accessible jurisdiction for internationally minded entrepreneurs looking to expand their global footprint.

4. A Secondary Passport: Building an Effective Plan B

For high-net-worth individuals navigating international mobility and compliance, securing a secondary citizenship-by-investment (CBI) program serves as an essential safety layer.

Fully compliant citizenship programs offer reliable, long-term security and enhanced global travel freedom, ensuring that families maintain institutional optionality regardless of geopolitical shifts.

5. Greece: A Flexible European Holiday Base

For a lower-friction European option, Greece offers a straightforward residency-by-investment pathway through real estate acquisition.

Without strict physical residency requirements (often referred to as an "immigration prison"), a European property holding provides a convenient European base for family holidays, lifestyle flexibility, and long-term asset diversification within the Schengen Area.

Conclusion: Balancing Growth and Security

The common thread across these five recommendations is flexibility: none of these destinations impose rigid physical presence requirements that would force individuals to abandon their primary business ventures.

For those managing substantial portfolios at the RMB 100 million tier, combining a low-tax business hub (such as Hong Kong, Singapore, or the UAE) with a robust Plan B passport and a flexible European residency creates a balanced, secure, and globally optimized structure.

Thank you for reading. If you are interested in exploring compliant investment migration strategies tailored to your asset profile, please feel free to leave a message.