Patrimoine menacé ? Voici comment le rendre intouchable

This video aims to provide concrete tools and strategies to protect personal wealth, assets, and freedom in an environment of increasing data collection, cryptocurrency scrutiny, rising aggression, and the taxation of unrealized gains in some European countries. The speaker, who has personally implemented these strategies, will guide viewers through various layers of security, starting with the simplest and most affordable, and progressing to more ultimate protections that offer greater freedom, albeit requiring more time and investment. The first layer of security focuses on capital protection, specifically through the use of brokers outside the European zone. Three brokers in different jurisdictions are compared: Interactive Brokers (IBKR) in the United States, Swissquote in Switzerland, and MooMoo in Singapore. A comparison table highlights transaction fees for a $1000 stock purchase, showing IBKR and MooMoo as the most cost-effective, while Swissquote is significantly more expensive. Exchange rates are also a crucial factor, with IBKR again offering the most attractive rates, followed by MooMoo, and Swissquote being quite costly. In terms of deposit protection, IBKR and MooMoo offer high levels of protection for uninvested capital, with Swissquote providing protection up to 100,000 Swiss francs. The speaker concludes that Interactive Brokers is likely the most appealing immediate option for depositing and investing capital. MooMoo is also a strong contender, and for very wealthy individuals seeking diversification, Swissquote could be considered. Next, the video discusses banking outside of Europe, presenting three banks in different jurisdictions: Zenus in the United States, DBS in Singapore, and CIM Bank in Switzerland. Zenus and CIM Bank allow for remote account opening, with CIM Bank requiring a video call and document submission. DBS typically necessitates document submission followed by an in-person visit. Minimum deposit requirements vary significantly. Zenus has a very low minimum. CIM Bank recommends deposits between $10,000 and $50,000, depending on the complexity of the applicant's profile. DBS, while online information might suggest low minimums (0 to 5000 Singapore dollars), the reality for non-residents is much higher due to different banking tiers. A "Security Deposit" account for basic transactions requires a $250,000 deposit. An investment account requires $750,000 to $1 million, allowing for stock market investments. Accessing "privilege services" for financial products outside traditional markets requires a minimum initial deposit of over $1 million. Therefore, the choice of bank depends on individual needs and financial capacity. Regarding fees, a consistent pattern emerges: Swiss banks (CIM Bank) are generally expensive. Zenus has moderate fees. DBS has relatively high fees, especially for privilege or private banking clients, which the speaker explains is justified by a higher level of capital security, service, and advice. Despite the high fees, DBS remains attractive for those with over $1 million to deposit due to its robustness. Deposit guarantees also differ. Zenus offers no deposit guarantee, making it suitable only for small deposits under $100,000. DBS provides an official deposit guarantee of $75,000 USD. However, the speaker emphasizes the importance of a bank's solidity over official guarantees. Many French banks, for instance, have low liquidity ratios, lending out far more than they hold, which can lead to instability during times of high withdrawals, as seen with Credit Suisse. DBS, despite its official guarantee, is considered by the speaker to be the most solid bank globally due to its focus as an investment bank with fewer borrowers. CIM Bank offers a 100,000 Swiss franc deposit guarantee, but the speaker prefers Interactive Brokers for capital deposits. CIM Bank can be a good option for simply sending and receiving money if Interactive Brokers is already in use. The second layer of security addresses the protection of one's capacity for wealth accumulation. This involves living in countries that do not tax foreign-sourced income, whether repatriated or not. Five such countries are listed: Panama, Thailand (with a slight exception regarding repatriation), Dubai, Singapore, and Hong Kong. For Hong Kong, a new investor visa allows for investment of several hundred thousand dollars through a Hong Kong bank into HSI financial products, offering a renewable visa and long-term residency without necessarily creating or operating a local business. A comparison of these countries' cost of living places Panama as the most attractive, followed by Thailand. Thailand offers flexibility, allowing for both affordable and very expensive living, with high-end amenities like hospitals, schools, and restaurants, particularly in Bangkok, making it appealing for entrepreneurs. Dubai is next, though often perceived as expensive, it offers options for moderate to high-cost living, unlike Singapore where costs are consistently high. Security levels are assessed using homicide rates per 100,000 people annually. Singapore is the safest, followed by Hong Kong, Dubai, Thailand, and then Panama. Visa costs vary depending on the type of visa. Student visas are an option in Thailand, while work visas are essential in Singapore. Hong Kong, Dubai, and Thailand offer investor visas. Panama also has investor visas, typically involving real estate or financial product investments. English proficiency is another factor. Dubai leads with an average of 90% English speakers. Singapore is between 80-100%, Hong Kong 55-60%, Thailand 25-30% (though higher in tourist areas like central Bangkok and Phuket), and Panama the lowest. Finally, the proportion of expatriates in major cities is examined. Dubai has the highest at 89%, followed by Singapore (40-45%), Hong Kong (30-35%), and then Panama and Thailand (5-10%). The speaker's personal recommendations for these countries: Panama is excellent for those who appreciate Hispanic culture. Thailand is ideal for singles, those seeking value for money, a bit of excitement, or working remotely without a physical business; it suits a wide range of beginner to intermediate entrepreneurs. For advanced entrepreneurs needing networking opportunities, Dubai is more suitable. For multi-millionaires (with at least $5-10 million in assets), families, or retirees who appreciate Asian culture, Singapore or Hong Kong offer strong financial infrastructure, tranquility, and safety away from scrutiny. The third and final layer of security is the protection of personal freedom: freedom of movement, expression, and travel, regardless of global conflicts or restrictions. This often involves obtaining a second passport as a form of insurance, despite the significant cost. The speaker shares personal experience, having successfully obtained a second passport after a lengthy process. Three jurisdictions for obtaining a second passport are compared: Turkey, Saint Lucia, and the new entrant, Sao Tome. In Turkey, citizenship by investment requires a minimum $400,000 real estate investment, held for at least three years. The passport is obtained within months, but early sale leads to cancellation. The main advantage is that it's an investment in an asset that can appreciate, making the passport "free" if one intended to invest in real estate anyway. Saint Lucia offers citizenship through a donation, which has increased from around $90,000 to $240,000. No physical presence is required. While advertised as 6-8 months, the speaker's experience was approximately two years due to increased documentation and stricter KYC (Know Your Customer) processes. Despite the higher cost and longer wait, Saint Lucia's passport is considered one of the most powerful for investment-based citizenship, as the country has maintained visa-free access to numerous countries by enhancing its vetting procedures. Sao Tome is a new option with a contribution (donation) of only $90,000. It's important to note that these mentioned prices are for the investment or donation itself; additional agency fees (typically $10,000-$20,000, depending on case complexity) are also incurred. Sao Tome also claims a quick processing time (6 weeks to 2 months), but the speaker expresses doubt about this in practice. This passport is recommended for individuals with economic interests in the region, seeking regional travel, and banking ease. The speaker personally would not choose it due to a preference for a more expensive, time-consuming passport that offers broader global and banking possibilities. In summary, the video aims to empower individuals to protect their freedom, information, capital, and capacity for wealth accumulation by choosing solid brokers and banks outside Europe, residing in tax-friendly countries, and potentially acquiring a second passport for enhanced global mobility and financial flexibility.