Are you a high-net-worth individual seeking a pathway to New Zealand residency through investment? The Active Investor Plus (AIP) Visa is New Zealand’s premier residence-by-investment program, offering flexibility, streamlined requirements, and access to one of the world’s most desirable destinations. With major policy upgrades effective April 1, 2025, the AIP Visa is now more attractive than ever. Here’s everything you need to know to make an informed decision.
What is the Active Investor Plus (AIP) Visa?
The Active Investor Plus Visa is a New Zealand residence-by-investment pathway for experienced investors and high-net-worth individuals. Launched in September 2022 (replacing the old Investor 1 and 2 visas), the AIP Visa is designed to attract capital, skills, and global networks that benefit New Zealand’s economy. The 2025 reforms have made the process simpler, more flexible, and more appealing to global investors.
Who Should Apply for the AIP Visa?
- High-net-worth individuals seeking residency and a future pathway to citizenship.
- Experienced investors and business people looking for growth opportunities in a stable, innovative economy.
- Families-partners and dependent children (aged 24 and under) can be included in the application.
- Investors with diverse risk appetites, thanks to the new Growth and Balanced investment categories.
What’s New in 2025? Key Advantages Over Previous Investor Visas
- Simplified Structure: Two clear investment categories (Growth and Balanced) with straightforward thresholds-no more complex weighting or points systems.
- Lower Minimum Investment: Growth category starts at NZ$5 million (down from NZ$15 million), making entry more accessible.
- Broader Investment Options: The Balanced category (NZ$10 million minimum) now includes bonds, listed equities, property development, and philanthropy, alongside managed funds and direct business investments.
- Reduced Residency Requirements: As little as 21 days in NZ over 3 years (Growth) or 105 days over 5 years (Balanced), with options to reduce further.
- No English Language Requirement: The principal applicant no longer needs to prove English proficiency.
- Faster Investment Deployment: Funds must be invested within 6 months of approval (with a possible 6-month extension).
- Category Flexibility: Applicants can switch between Growth and Balanced categories once during the process.
Investment Categories Explained
1. Growth Category
- Minimum Investment: NZ$5 million
- Investment Term: 3 years
- Time in NZ Required: 21 days over 3 years
- Acceptable Investments:
- NZTE-approved managed funds focused on NZ growth businesses (venture capital, private equity, etc.)
- Direct investments in NZTE-approved New Zealand businesses (startups, expansion capital)
Best for: Investors seeking direct, high-impact involvement in New Zealand’s business ecosystem with a lower capital threshold and shorter residency requirement.
2. Balanced Category
- Minimum Investment: NZ$10 million
- Investment Term: 5 years
- Time in NZ Required: 105 days over 5 years (can be reduced to 63 days with higher investment)
- Acceptable Investments:
- Bonds: NZ government, local government, or corporate bonds (traded on NZDX)
- Listed Equities: Shares in companies listed on the NZX
- Property Development: New residential developments or commercial/industrial projects that add value
- Philanthropy: Donations to NZ registered charities (with Inland Revenue donee status)
- Managed Funds & Direct Investments: As per Growth category
Best for: Investors seeking a diversified, lower-risk portfolio with flexibility to include both traditional and growth-oriented assets.
Must-Read: FAQs: Changes to the Active Investor Plus Visa Settings
Growth vs. Balanced: Which Is Right for You?
| Feature | Growth Category | Balanced Category |
|---|---|---|
| Min. Investment | NZ$5 million | NZ$10 million |
| Investment Term | 3 years | 5 years |
| Residency | 21 days (3 years) | 105 days (5 years, can reduce) |
| Investment Options | Growth funds, direct business | Bonds, equities, property, philanthropy, growth options |
| Risk/Return | Higher risk, higher growth | Moderate risk, diversified |
| Flexibility | Lower capital, focused impact | Broader, lower-volatility |
Why Choose the Balanced Category?
- Diversification: Spread your investment across bonds, equities, property, philanthropy, and growth assets.
- Lower Volatility: Balanced funds and diversified portfolios help reduce risk compared to direct business-only investments.
- Flexible Residency: 105 days over 5 years, with reductions for higher investments (down to 63 days).
- Capital Preservation: Bonds and property can offer more stable returns and lower risk.
- Philanthropic Impact: Support NZ charities as part of your investment.
- Liquidity: Listed equities and bonds offer easier exit options compared to private equity or direct business investments.
Eligibility Requirements (Both Categories)
- Legally Sourced Funds: Prove ownership and legal origin of investment capital.
- Health & Character: Standard medical and police clearances.
- Fit and Proper Person: No history of fraud, dishonesty, or serious legal breaches.
- Investment Retention: Maintain your investment for the full term (3 or 5 years).
Pathway to Permanent Residency and Citizenship
- Permanent Residency: Eligible after meeting investment and residency requirements.
- Citizenship: Apply after 5 years’ residence in New Zealand.
How to Apply for AIP
- Choose your category: Growth or Balanced, based on your investment goals and risk appetite.
- Prepare documentation: Proof of funds, health, character, and investment plans.
- Submit your application: Through Immigration New Zealand.
- Transfer funds and invest: Within 6 months of approval.
- Meet residency and investment retention requirements.
- Apply for permanent residency after the investment period.
Transition for Existing Applicants
Applications submitted before April 1, 2025, can transition to the new rules until May 31, 2025, with waived fees.
Conclusion: Is the Active Investor Plus Visa Right for You?
With its streamlined categories, lower thresholds, and flexible investment options, the Active Investor Plus Visa is now one of the world’s most attractive investor visa programs. Whether you’re seeking direct business growth, portfolio diversification, or a family-friendly pathway to New Zealand residency and citizenship, the AIP Visa offers a tailored solution.
Ready to start your New Zealand investment journey?
Immigration Chambers offers expert guidance on complex investment visa criteria and provides end-to-end support throughout your application process. With a proven track record of successful outcomes, our team ensures your investment aligns with immigration policy and long-term goals. Consult with an Immigration Lawyer Auckland or investment specialist to ensure your application meets all requirements and maximizes your success.