The Discreet InvestorAuthor
Valentin Niculae
Founder, The Discreet Investor
Valentin Niculae founded The Discreet Investor. He works with families, founders and investors from Europe, the Middle East and the CIS on second citizenship, residence permits, company formation and international banking — and writes these guides from the questions clients bring to him.
Every guide he publishes follows the same rules as the rest of this site: figures are checked against official sources on the date shown, open questions are labelled as open, and nothing is presented as a guarantee. If you spot something that has changed, write to office@thediscreetinvestor.com.
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Guides by Valentin Niculae
The real price of a second passport: every programme ranked for a family of fourCitizenship · 30 September 2026Five Caribbean passports, head to head: which one fits your lifeCitizenship · 30 September 2026Second citizenship for Russian citizens in 2026: which doors are still openCitizenship · 30 September 2026Can you still buy an EU passport? The honest answer for 2026Citizenship · 30 September 2026Europe's most affordable golden visas, ranked by what a family really paysResidence · 30 September 2026The UAE tax residency certificate: how to get it and what it really provesTax & structure · 30 September 2026Choosing an offshore jurisdiction in 2026: BVI, Seychelles, Panama or CaymanCompanies · 30 September 2026Opening a bank account for an offshore company: why banks refuse and what worksBanking · 30 September 2026Leaving the UK after the non-dom abolition: destinations and exit rulesTax & structure · 30 September 2026Caribbean citizenship in 2026: what the new rules changedCitizenship · 30 September 2026Portugal's new citizenship clock: what it means for Golden Visa holdersResidence · 30 September 2026Documenting crypto wealth for a bank: the dossier that passesBanking · 30 September 2026Georgia IE or LLC: choosing between 1% and 15%Companies · 30 September 2026Swiss banking for non-residents: three routes comparedBanking · 30 September 2026Residence is not tax residence: the mistake that costs the mostTax & structure · 30 September 2026