Open-ended Alternative Investment Fund focused on capital preservation with 70% exposure to Portuguese corporate bonds and 30% to global equities & digital assets, offering daily liquidity and eligibility for the Portuguese Golden Visa.
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3CC Portugal Golden Income Fund is an open-ended alternative investment vehicle managed by 3 Comma Capital SCR, S.A. Structured to satisfy Portuguese Golden Visa requirements by allocating 70% to investment-grade Portuguese corporate bonds and 30% to growth assets, including global equities and Bitcoin. Launched in October 2nd 2024, it provides daily liquidity with no subscription fee or lock-up. Share Class A (accumulation) requires a €100,000 minimum investment; Class D (distribution) requires €300,000. Both must be held for five years for residency eligibility. Fees comprise a 1.50% management fee for Class A (1.75% for Class D), a 20% performance fee over a 5% high-water mark, and redemption fees tapering from 5% in year 1 to 0% after 5 years + 1 day. The fund targets a 10% p.a. return, currently manages over €70 million (aiming for €100 million), and issues quarterly reports and annual audited statements.
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Information as reported by fund manager. Terms may vary by investor class.
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Fund minimum: €100,000
Typical holding period
Fund target: 7-10% p.a.
Investment Risk Disclosure: These projections are for illustrative purposes only and do not guarantee future performance. Past performance is not indicative of future results. All investments carry risk, including potential loss of principal. Consult with a qualified financial advisor before making investment decisions.
Everything you need to know about investing in 3CC Portugal Golden Income Fund
An open-ended Alternative Investment Fund (mutual fund) designed and managed by 3 Comma Capital SCR, S.A., it's the first Golden Visa-eligible multi-asset vehicle in Portugal, blending 70 % fixed-income with 30 % growth assets to pursue capital preservation and attractive returns.
The fund is managed by 3 Comma Capital SCR, S.A. (CMVM licence no. 182126), a Portuguese regulated asset management and venture capital company, which acts as both Investment Manager and Responsible Entity.
It's authorised and supervised by the Portuguese Securities Market Commission (CMVM) as an open-ended Alternative Investment Fund, offering daily liquidity under a highly transparent, regulated structure.
The fund targets € 50 million of committed capital; since its April 2025 launch it has onboarded over 60 investors in seven months and expects to surpass € 25 million AuM imminently.
Stability (70 %): Portuguese investment-grade corporate bonds Growth (30 %): 15 % US/World equities and 15 % digital assets (primarily Bitcoin, Ethereum & Solana via regulated crypto vehicles).
Open-ended, perpetual structure with no lock-up Daily liquidity and daily NAV transparency No subscription fee or other entry costs Two share classes (Accumulation "A" & Distribution "D") Expected ROI of 10 % p.a.
Share Class A (Accumulation): Minimum € 100 000 Share Class D (Distribution): Minimum € 300 000
Subscription fee: 0 % Management fee: 1.50 % p.a. (Class A), 1.75 % p.a. (Class D) Performance fee: 20 % of gains above a 5 % net high-water mark Redemption fee: 5 % in Year 1, tapering to 0 % after 5 years + 1 day
An annualised 10 % p.a. net of fees and costs, based on the historical performance of its underlying benchmarks.
Units may be purchased or redeemed daily at the published NAV, with positions integrated directly into investors' bank account statements.
Debt instruments: ≥ 65 % of AUM in EUR-denominated bonds issued by Portuguese corporates Equities: 10 %–30 % of AUM via global public-market ETFs Digital assets: 0 %–20 % of AUM via regulated crypto funds or ETFs Bond criteria: Fixed coupon; credit rating > BB-; issuer LQA > 60; issuance > € 500 million; duration < 7 years
A model portfolio of 10–15 bonds, each from a distinct issuer, selected via comprehensive issuer analysis, probability-of-default and loss-given-default studies, and strict risk metrics (CDS, OAS, DV01), reviewed monthly.
As of 14-04-2025, holdings include Millennium BCP, Fidelidade PERP, Novobanco, Caixa Geral de Depósitos, EDP, Galp, Crédito Agrícola, REN, with an average modified duration of 3.61 years, yield to maturity of 3.92 %, and a BBB composite rating.
US/World equities: S&P 500 and/or MSCI World ETFs for broad market exposure Digital assets: via the 3CC Global Crypto Fund or Bitcoin ETFs, with a long-term BTC target of $300 000.
For a € 100 000 investment: Moderate: € 106 204 after 1 year (6.20 % p.a.), € 173 689 after 5 years (11.67 % p.a.) Favorable: € 124 601 after 1 year (24.60 % p.a.), € 249 004 after 5 years (20.02 % p.a.) Unfavorable: € 90 127 after 1 year (–9.87 % p.a.), € 120 604 after 5 years (3.82 % p.a.)