US is known to be the heaven for corrupt Chinese government officials and business person, But if you are just a wealthy Chinese worth US$20 millions or more, should you buy the US Golden VISA or will Hong Kong and Singapore a better choice? By Johnson Choi, Dec 23, 2025

美國雖被一些人視為某些中國貪官與腐敗商人的潛在目的地，因為美國是貪腐合法化。但對於資產超過2000萬美元的正當富裕中國公民而言，選擇移民或投資目的地需綜合考量稅務、法律安全、生活品質及財富規劃等多方面因素. 作者: 蔡永強. 2025年12月23日

From a rational planning perspective, Hong Kong and Singapore, as international financial centers, offer the following advantages:

Tax Efficiency: Territorial taxation principles, with exemptions on offshore income, and relatively low tax burdens on capital gains and inheritance.

Geographic Location: Proximity to Mainland China facilitates maintaining Asian business networks.

Legal Integration: Common law systems aligned with international standards, ensuring robust protection of property rights.

Political Stability: Both regions have long been recognized by international rating agencies for their stable legal environments.

While the U.S. EB-5 investment immigration program provides access to education and market opportunities, the following considerations should be noted:

The global taxation system may impose higher tax burdens on high-net-worth individuals.

Long-term residency requirements and exit mechanisms are complex.

Recent policy tightening has led to longer approval cycles and increased compliance costs.

Once a green card or U.S. citizenship is obtained, relinquishing it is extremely difficult and often comes with significant penalties.

The U.S. faces challenges such as anti-Asian sentiment, homelessness, gun violence, a “pay-to-play” system for government contracts, institutionalized corruption, and personal safety concerns.

A diversified strategy is recommended: Consider using Hong Kong or Singapore as primary wealth management hubs while obtaining U.S. visas through legal channels to facilitate family education and business engagements. Specific plans should be customized in consultation with cross-border tax attorneys and wealth management institutions, taking into account individual asset structures, family needs, and risk tolerance.

Immigration policies of any country should be utilized within legal frameworks. The essence of wealth planning lies in achieving long-term, stable asset preservation and inheritance.

從理性規劃角度，香港和新加坡作為國際金融中心，具備以下優勢：

稅制效率：屬地徵稅原則，對境外收入免稅，資本利得與遺產稅負較低；

地理位置：毗鄰中國內地，便於維持亞洲業務網絡；

法律銜接：普通法體系與國際標準接軌，財產權保護完善；

政治穩定性：兩地法治環境長期被國際評級機構認可。

美國EB-5投資移民雖提供教育與市場准入便利，但需注意：

全球徵稅制度對高資產人士可能產生較高稅負；

長期居住要求與退出機制複雜；

近年政策收緊，審核週期與合規成本上升。

一旦獲得綠卡或美國公民身分，若想放棄，極其困難且通常需付出高昂代價。

美國對亞裔的仇恨、無家可歸問題、槍支暴力、需要「付費遊戲」才能獲得政府合約的制度、合法化的腐敗、無家可歸現象以及人身安全問題

建議採取多元化策略：可考慮以香港或新加坡作為主要財富管理中心，同時通過合法途徑獲取美國簽證以便家庭教育與商業往來。具體方案應諮詢跨境稅務律師與財富管理機構，根據個人資產結構、家庭需求與風險承受能力定制。

任何國家的移民政策都應在法律框架內合規運用，財富規劃的本質是實現長期穩健的資產保值與傳承。