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🇲🇾 MM2H (Malaysia My 2nd Home) (Malaysia) compared with 🇵🇦 Pensionado Visa (Panama) — across cost, timeline, residency, tax and the path to citizenship.
There's no single winner — the right choice depends on your budget, how much time you can spend on the ground, and whether a passport is the goal. Use the table below to weigh what matters to you.
| Feature | 🇲🇾MM2H (Malaysia My 2nd Home) | 🇵🇦Panama Pensionado Visa |
|---|---|---|
| Country | Malaysia | Panama |
| Type | Retirement Visa | Retirement Visa |
| Headline cost | MYR 1.5m liquid assets; MYR 40k/mo income (Premier) | $1,000/mo lifetime pension |
| Minimum investment | — | $1,000 |
| Minimum income | — | $1,000/mo |
| Processing time | 3 months | 3 months |
| Min stay per year | 90 days | 0 days |
| Tax rate | Territorial — foreign income not taxed in Malaysia% | 0% |
| Leads to PR | No | Yes |
| PR after | — | 0.0 years |
| Citizenship after | — | 5 years |
| Dual citizenship | No | Yes |
| Visa-free countries | 185 | — |
| Remote work | No | No |
| Healthcare | Yes | — |
| Data confidence | official | official |
Both take roughly 3 months to process.
MM2H (Malaysia My 2nd Home): no direct citizenship route. Panama Pensionado Visa: citizenship possible after about 5 years.
MM2H (Malaysia My 2nd Home): No. Panama Pensionado Visa: Yes.