"2025 Study: Where High Earners Keep Most of Their Money\u00a0"

" 2025 Study: Where High Earners Keep Most of Their Money\u00a0 \r\n \r\n More than 640 million adults worldwide have a net worth of at least $100,000, with this number having grown significantly over the past two decades. A new study by the trading firm\u00a0 Atmos \u00a0analyzed countries worldwide to identify\u00a0the best destinations for high earners seeking wealth building and superior living standards. \r\n \r\n The research developed a Wealth Comfort Score that evaluated countries based on safety, quality of life, taxation policies, and cost of living. Only countries with safety standards above 60 were included in the final rankings, ensuring a minimum threshold for secure living conditions. The final scores ranged from 0 to 100, with higher scores indicating more favorable environments for high-income people. \r\n \r\n Here's a look at the top 10 countries offering the best conditions for high earners: \r\n \r\n \r\n \r\n Country \r\n Safety \r\n Income Tax (%) \r\n Capital Gains Tax (%) \r\n Inheritance Tax (%) \r\n Wealth Comfort Score \r\n \r\n \r\n Oman \r\n 81.4 \r\n 0 \r\n 0 \r\n 0 \r\n 100 \r\n \r\n \r\n Andorra \r\n 84.8 \r\n 10 \r\n 10 \r\n 0 \r\n 94 \r\n \r\n \r\n Qatar \r\n 84.6 \r\n 0 \r\n 10 \r\n 0 \r\n 86 \r\n \r\n \r\n Brunei \r\n 70.6 \r\n 0 \r\n 0 \r\n 0 \r\n 85 \r\n \r\n \r\n United Arab Emirates \r\n 85.2 \r\n 0 \r\n 0 \r\n 0 \r\n 79 \r\n \r\n \r\n Saudi Arabia \r\n 76.3 \r\n 0 \r\n 20 \r\n 0 \r\n 77 \r\n \r\n \r\n Estonia \r\n 76.5 \r\n 20 \r\n 20 \r\n 0 \r\n 76 \r\n \r\n \r\n Luxembourg \r\n 66.0 \r\n 42 \r\n 21 \r\n 14 \r\n 75 \r\n \r\n \r\n Bahrain \r\n 76.2 \r\n 0 \r\n 0 \r\n 0 \r\n 74 \r\n \r\n \r\n Isle Of Man \r\n 79.1 \r\n 22 \r\n 0 \r\n 0 \r\n 73 \r\n \r\n \r\n \r\n You can access the complete research findings\u00a0<a href=\"https:\/\/docs.google.com\/spreadsheets\/d\/e\/2PACX-1vREU3J_gRQw3z_7WBuBsIEb1gOftY57un-kgcr2MQVXiEpLOweHMRmIORqNYX7g3pa1TlktpfI4u3p4\/pubhtml\" target=\"_blank\" rel=\"noopener noreferrer\" data-saferedirecturl=\"https:\/\/www.google.com\/url?q=https:\/\/docs.google.com\/spreadsheets\/d\/e\/2PACX-1vREU3J_gRQw3z_7WBuBsIEb1gOftY57un-kgcr2MQVXiEpLOweHMRmIORqNYX7g3pa1TlktpfI4u3p4\/pubhtml&source=gmail&ust=1756388041141000&usg=AOvVaw0Ipk6N4mNPBLHacZIH965p\">here . \r\n \r\n Oman\u00a0ranks\u00a0first\u00a0as the best global destination for high earners. The Sultanate delivers great value through\u00a0zero personal income tax, zero capital gains tax, and zero inheritance tax, creating completely tax-free conditions for affluent residents. With the\u00a0lowest\u00a0monthly living costs of just $753, Oman combines affordability with strong safety standards while also offering attractive investment visa programs that facilitate long-term residency. \r\n \r\n Andorra\u00a0secures\u00a0second place\u00a0with its modest tax legislation. The principality charges just\u00a010% on both income and capital gains\u00a0while maintaining\u00a0zero inheritance tax. With\u00a0living expenses at $898 monthly\u00a0and an outstanding quality of life rating, Andorra does well in public security. The country also provides easy residency options for wealthy foreigners, making it the best European option for high earners. \r\n \r\n Qatar\u00a0takes\u00a0third position. The nation imposes\u00a0zero income tax and zero inheritance tax\u00a0while applying a moderate\u00a010% capital gains rate. Qatar sustains\u00a0affordable living costs at $889 monthly\u00a0while registering great safety metrics. Qatar also implements its Golden Visa program, offering easier routes to permanent residency for investors and high earners. \r\n \r\n Brunei\u00a0ranks\u00a0fourth, delivering complete tax elimination across all categories. The sultanate upholds\u00a0zero income tax, zero capital gains tax, and zero inheritance tax, matching Oman's tax-free approach. Brunei offers\u00a0moderate monthly expenses of $801\u00a0and solid quality of life standards. The country also welcomes high-earner expatriates through special visa arrangements. \r\n \r\n The United Arab Emirates\u00a0captures\u00a0fifth place\u00a0as yet another Gulf option for high earners. The federation sets\u00a0zero taxes on income, capital gains, and inheritance\u00a0categories while demonstrating the\u00a0highest safety standards\u00a0among all ranked nations. The UAE\u2019s living costs are close to the study average, and the country is offering the Golden Residence program that facilitates long-term stays. \r\n \r\n Saudi Arabia\u00a0holds the\u00a0sixth position\u00a0with a selective taxation approach. The kingdom provides\u00a0zero income tax and zero inheritance tax\u00a0while applying a\u00a020% capital gains rate, still reasonable by international standards. Saudi Arabia offers solid security levels for high-income residents seeking Gulf region advantages, while keeping monthly housing expenses at just $817. The country\u2019s recent Premium Residency initiatives welcome affluent international professionals. \r\n \r\n Estonia\u00a0ranks\u00a0seventh, proving European nations can compete through innovative tax structures. The Baltic state charges\u00a020% on both income and capital gains\u00a0while maintaining\u00a0zero inheritance tax. Monthly expenses in Estonia stand at\u00a0$1,051, which is reasonable in the European context. The country is perfectly safe and shows excellent quality of life standards. Estonia\u2019s digital nomad visas and startup programs especially appeal to tech-savvy high earners seeking EU access. \r\n \r\n Luxembourg\u00a0secures\u00a0eighth place\u00a0as the EU\u2019s financial hub. The grand duchy applies\u00a042% income tax, 21% capital gains tax, and 14.4% inheritance tax. Living costs in Luxembourg amount to\u00a0$1,263 monthly,\u00a0supporting the\u00a0highest quality of life among all countries\u00a0studied. The country also runs investor residence programs that grant access to European Union benefits. \r\n \r\n Bahrain\u00a0takes\u00a0ninth position, continuing the Gulf states\u2019 dominance in the rankings. The island nation stands out with\u00a0complete tax elimination across income, capital gains, and inheritance\u00a0categories. Bahrain keeps housing expenses at a\u00a0manageable $854 per month, while accommodating high-income individuals with a safe local environment and flexible visa policies. \r\n \r\n The Isle of Man\u00a0completes the\u00a0top 10,\u00a0offering unique offshore advantages. The British Crown dependency charges\u00a022% income tax\u00a0while eliminating\u00a0capital gains and inheritance taxes entirely. With\u00a0living expenses of $1,214 monthly\u00a0and the high quality of life scores nearly matching Luxembourg levels, the Isle of Man provides great value for wealthy individuals. The island ensures secure conditions while its special relationship with the UK provides additional stability for high earners seeking offshore benefits. \r\n \r\n \"The research reveals a geographic pattern in wealth optimization opportunities,\"\u00a0says Nick Cooke, the CEO of\u00a0 Atmos . \"Gulf states consistently offer the most attractive conditions through complete tax elimination combined with strong safety records, while select European jurisdictions compete through quality of life and EU access. It\u2019s also worth pointing out that every top-performing country sustains solid security standards, as wealthy individuals shouldn\u2019t be sacrificing personal safety for tax advantages. For high earners facing increasing tax pressures in traditional markets, these countries can truly provide legitimate pathways to preserve more wealth while maintaining high living standards.\u201d "

"2025 Study: Where High Earners Keep Most of Their Money\u00a0"

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2025 Study: Where High Earners Keep Most of Their Money AMP

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