Choose Panama Real Estate, Rentals and Tours
Choose Panama
​Panama Luxury Real Estate & Rentals
License No. PN-4938-19
US: (214) 431-5235
  • Home
  • Buy
    • Condos for Sale in Casa Bonita, Playa Bonita Resort >
      • Playa Bonita Resort
      • 23M Casa Bonita Penthouse for Sale
      • 21P Casa Bonita Penthouse for Sale
      • 20-o Casa Bonita Penthouse for sale
      • 19L Panoramic Ocean View Apartment
      • 19D 2 Bedroom High Floor Apt with Great View
      • 17C Large 2-Bedroom Apt
      • 14B Casa Bonita 1 Bedroom for Sale
      • 13G 2 Bedroom at Casa Bonita
      • 11DE Large Condo with Direct Ocean Views
      • 10i Casa Bonita for Sale
      • 9e Casa Bonita 1 bedroom for sale
      • 8K 1 Bedroom Apt with Great View
      • 7F Large 2 Bedroom with Great View
      • 6F Casa Bonita Large 2 bedroom
      • Casa Bonita New Apartments
    • Westin Residences >
      • Marriott Benefits for Westin Residences Owners
    • Condos for Sale in Panama City >
      • Arcadia in Costa del Este, Panama
      • Armani Nuovo Luxury Apartment >
        • Armani Nuovo 2 Bedroom Apt
      • Costanera Luxury Apartments
      • Hyde by Wanders and Yoo
      • Generation Tower
      • La Maison Fendi Casa Panama
      • Loom Tower in San Francisco Panama
      • Marbella 47
      • Matisse Costa del Este Panama
      • Moderna 360
      • Nogal Apartments in Costa del Este
      • Parque Urraca 2 Bedroom Rental Apartment
      • The Ivy
      • Vista Marina
    • Condos for Sale in Coronado >
      • Royal Palm, Gorgona, Panama
      • About Coronado Golf Tower
      • Casamar Beach Community >
        • Perlamar at Casamar - 1 and 2-bedroom condos
        • Altamar at Casamar - 3 bedroom condos
      • Bahia Resort, Nueva Gorgona, Panama >
        • Bahia Resort 1 Bedroom
    • Playa Caracol
    • Priced-to-Sell Beach Properties
    • Houses for Sale >
      • Villamar at Casamar
      • Marinazul at Casamar >
        • Marinazul Masterplan
      • Vista Mar Villa
    • Boquete, Panama
    • Land for Sale >
      • Boquete House Plus 10 Hectares
      • Absolute Beachfront Lots Pedasi
      • Farm Land for Sale
    • Legal Process
  • Rent
    • Rental Book >
      • Pearl Club at Playa Bonita
    • Penthouses at Casa Bonita >
      • FAQs About Renting at Casa Bonita
      • Casa Bonita 21P Penthouse
      • Casa Bonita 22M Penthouse
      • Casa Bonita 23N Penthouse
      • Casa Bonita 23o Penthouse
      • Casa Bonita 24o Penthouse
    • 2 Bedrooms at Casa Bonita >
      • Casa Bonita 6B
      • Casa Bonita 6D
      • Casa Bonita 6F
      • Casa Bonita 7D
      • Casa Bonita 7F
      • Casa Bonita 7i
      • Casa Bonita 8A
      • Casa Bonita 8B
      • Casa Bonita 9i
      • Casa Bonita 10G
      • Casa Bonita 10i
      • Casa Bonita 12B
      • Casa Bonita 14F
      • Casa Bonita 15B
      • Casa Bonita 17E
      • Casa Bonita 17J
      • Casa Bonita 18A
      • Casa Bonita 18G
      • Casa Bonita 18e
      • Casa Bonita 19D
      • Casa Bonita 19K
      • Casa Bonita 19L
    • 1 Bedrooms at Casa Bonita >
      • Playa Bonita Resort
      • Casa Bonita 6e
      • Casa Bonita 8K
      • Casa Bonita 9e
      • Casa Bonita 12C
      • Casa Bonita 13B
      • Casa Bonita 14B
      • Casa Bonita 14H
      • Casa Bonita 16h
    • Renting in Panama City >
      • Nuovo by Armani Casa Luxury Apartment
      • Parque Urraca 2 Bedroom Rental Apartment
      • Solaris 3 Bedroom Rental Apartment
      • Vista del Mar 1 bedroom
      • Villa del Mar 2 bedroom apartment
      • Rental Book City Apartments
    • Fun Facts About Panama
    • Resources for Renters >
      • Terms and Conditions
      • Casa Bonita Rules & Regulations
  • Visit
    • Concierge >
      • Premium Services >
        • In Home Chef
      • Property Management
    • Things to Do in Panama >
      • Panama Canal
      • Monkey Island Panama
      • Fish Market Panama
      • Best Restaurants in Panama City, Panama
    • Panama Tide Chart
    • Areas to Visit >
      • Amador Causeway
    • Restaurants
    • Foodie Tour
    • Gift Videos
    • French People Moving to Panama >
      • Porquoi les Français s'installent-ils au Panama
  • Move
    • Why Panama?
    • How to Buy Property in Panama
    • Panama Residency
    • Opening a Bank Account in Panama
    • Getting a Bank Mortgage in Panama
    • Bringing Pets to Panama >
      • Checklist for Bringing Your Dogs & Cats to Panama from the US
    • Schools in Panama City Panama
    • Schools in Boquete and David Panama
    • Panama Drivers Llicense
    • Condo Remodeling >
      • What Do Renovations Cost in Panama?
      • Remodeling - Panama Penthouse
      • Renovations in Panama-Double Apt
      • Redecorating in Panama 1 Bedroom City
      • Redecorating in Panama Amador Causeway
    • Testimonials
  • Podcast
  • Books
    • The Panama Affair
    • FREE Book
  • Contact
    • About Us
    • In the News
    • Media Kit
    • Register for Webinar
    • Client Registration
    • Realtor Registration
  • Blog

The Rise of Overseas Investment: High-Net-Worth Americans and Global Real Estate

7/18/2024

0 Comments

 
Picture
In recent years, an increasing number of high-net-worth Americans have been exploring real estate opportunities abroad. Motivated by factors such as economic conditions, lifestyle changes, and investment diversification, these wealthy individuals are looking beyond the borders of the United States. This trend is driven by a strong dollar, favorable exchange rates, and the allure of experiencing new cultures. This blog delves into the specifics of why and how high-net-worth Americans are investing overseas, and the top destinations they are considering.

Understanding High-Net-Worth Individuals
High-net-worth individuals (HNWIs) are typically defined as those with liquid assets of at least $1 million. This group represents a significant portion of the global wealth and has considerable influence on real estate markets worldwide. According to Wealth-X, the number of HNWIs in the United States continues to grow, driven by strong economic performance and wealth creation during the pandemic.

Key Characteristics of HNWIs:
  • Net Worth: Generally, HNWIs have liquid assets ranging from $1 million to $30 million.
  • Investment Behavior: HNWIs often seek to diversify their portfolios with a mix of equities, bonds, real estate, and alternative investments.
  • Global Perspective: Many HNWIs have an international outlook and are keen to explore investment opportunities abroad.

The Appeal of Overseas Real Estate
Several factors make overseas real estate an attractive investment for high-net-worth Americans. Here are some of the main reasons why these investors are looking beyond the U.S. borders:

Economic and Financial Incentives
  1. Affordable Carrying Costs:
    1. ​The cost to keep property can be significantly lower outside of the U.S. Costs such as property taxes, insurance, and homeowner's association dues (HOA) can be just a few hundred dollars a month in places like Panama.
  2. Lower Property Prices:
    • In many countries, real estate prices are lower than in the United States, offering better value for money. This allows investors to purchase larger or more luxurious properties than they could afford domestically.
  3. Diversification:
    • Investing in international real estate provides diversification benefits, reducing reliance on the U.S. market and spreading risk across different regions.

Lifestyle and Personal Preferences
  1. Quality of Life:
    • Many high-net-worth Americans are drawn to countries with a higher quality of life, favorable climates, and appealing lifestyles. Countries like Costa Rica, Portugal, and Panama offer beautiful environments and a relaxed way of life.
  2. Retirement and Second Homes:
    • Countries with good healthcare systems, lower living costs, and attractive residency programs are popular choices for retirees and those seeking second homes.
  3. Cultural Experience:
    • The desire to experience new cultures and ways of living is a strong motivator. Many HNWIs value the cultural enrichment that comes with living in a different country.

Panama--A Top Destination for American HNWI Investors
Panama is an appealing destination for its modern infrastructure, strategic location, and favorable tax policies. It is particularly popular among retirees.

  • Attractions: Modern amenities in Panama City, beautiful beaches, and the Panama Canal.
  • Investment Appeal: A dollarized economy and various incentives for foreign investors.
  • Residency Programs: The Pensionado Visa offers significant benefits for retirees.
  • Modern Healthcare: The ultra-modern hospitals and medical facilities in Panama make it a destination in and of itself for medical tourism. With most of the Panamanian doctors trained in the US, Canada or Europe, you get first-rate care with a much discounted price tag.

Key Considerations for Investing Abroad
​Investing in overseas real estate involves several considerations that differ from domestic investments. Here are some critical factors high-net-worth individuals should keep in mind:

Legal and Tax Implications
Understanding the legal and tax implications of buying property abroad is crucial. This includes property laws, taxes, and any restrictions on foreign ownership. Consulting with legal and financial experts in both the U.S. and the target country is essential.

Resources:
  • International Tax Advisors: Specialized advisors can help navigate complex tax situations.
  • Local Real Estate Lawyers: Ensure compliance with local laws and regulations.

Financing Options
While some investors may choose to pay cash, financing options are available in many countries, including Panama. However, these options may differ significantly from those in the U.S.

Tips:
  • Local Mortgages: Explore mortgage options with local banks, which may have different requirements and terms.
  • Home Equity Loans: Some investors use equity from their U.S. properties to finance overseas purchases.

Market Research
Thorough research on the local real estate market is crucial. This includes understanding market trends, property values, and potential rental income.

Resources:
  • Real Estate Agencies: Reputable local agencies can provide valuable market insights.
  • Market Reports: Access reports from organizations like Coldwell Banker and Wealth-X.

The Future of Overseas Real Estate Investment
The trend of high-net-worth Americans investing in overseas real estate is likely to continue, driven by both economic and personal factors. As remote work becomes more common and global mobility increases, more individuals will look to diversify their assets and improve their quality of life by purchasing properties abroad.

Trends to Watch:
  • Remote Work: The rise of remote work allows more people to live and work from anywhere in the world.
  • Economic Factors: Currency fluctuations and economic conditions will continue to influence investment decisions.
  • Residency Programs: Countries offering attractive residency and citizenship programs will remain popular.

Final Thoughts
Investing in overseas real estate offers high-net-worth Americans an opportunity to diversify their portfolios, enjoy new lifestyles, and take advantage of favorable economic conditions. By working with a reputable real estate professional, such as Melissa Darnay at Choose Panama, and then carefully considering the legal, financial, and market aspects of such investments, you can make informed decisions that align with your personal and financial goals. 
0 Comments

Your comment will be posted after it is approved.


Leave a Reply.

    Author

    Melissa Darnay is a Gen X real estate broker who traded the hustle and bustle of American life for the charms of Panama in 2012.  Learn more... 

    Picture
    We have a LOT of information that we've accumulated since 2012. Please use the SEARCH BAR above to find specific information.

    Archives

    July 2025
    June 2025
    May 2025
    April 2025
    March 2025
    February 2025
    January 2025
    December 2024
    November 2024
    October 2024
    September 2024
    August 2024
    July 2024
    June 2024
    May 2024
    April 2024
    March 2024
    February 2024
    January 2024
    December 2023
    November 2023
    October 2023
    September 2023
    July 2021
    July 2020
    May 2019
    April 2019
    January 2018
    December 2017
    November 2017
    August 2017
    May 2016
    April 2016
    March 2016
    June 2015
    May 2015
    April 2015
    March 2015
    January 2015
    November 2014
    October 2014
    September 2014
    August 2014
    July 2014
    June 2014
    May 2014
    April 2014
    December 2013
    November 2013
    October 2013
    September 2013
    August 2013
    July 2013
    June 2013
    May 2013
    April 2013
    March 2013
    February 2013
    January 2013
    December 2012

    Categories

    All

    RSS Feed

Copyright 2012-2025 Choose Panama Inc. All Rights Reserved.