Prática de Shadowing: Why New Zealand Is the Only Safe Haven Left - Aprenda a falar inglês com vídeo
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About a year ago we covered one of the strangest issues taking place in a high income country.
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While everybody else is concerned about unsustainable immigration, everybody was leaving New Zealand.
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The simple reason was its cultural, legal, economic
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and geographic proximity to us here in Australia has just made
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it really easy for a lot of kiwis to jump over the pond
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and take advantage of the higher incomes and opportunities that are available in a relatively much larger economy.
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But there is one exception to this trend, rich people
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or rather the richest people in the world unlike average new
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zealanders who can't seem to get out fast enough wealthy people from across the world
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and in particular from a few select destinations can't seem to get in fast enough
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this hasn't happened by accident the new zealand government has intentionally been accommodating these people for a long time
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now to the point where moving to new zealand has become
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almost a status symbol amongst wealthy people from certain areas
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but it's worth understanding why and how new zealand is achieving this and also asking what the consequences will be.
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So, why has
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New Zealand become such a magnet for the world's richest people?
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How and why is the country encouraging this?
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And finally, what are the potential consequences of rolling out this red carpet?
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so the first thing worth recognizing is
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that new zealand is a strange place for the richest people
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on earth to be queuing up for it's a small isolated agricultural country with roughly the population of sydney
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and it's hours of flying from anywhere bigger also it has basically none of the infrastructure
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that wealthy people usually seek out and in a lot of the cities
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that have become particularly popular but really isn't much of anything
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which is for a very specific kind of person exactly the appeal
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if you make your income whether you leave the house
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or not and you can afford to charter a flight
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when you actually need to be somewhere
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that isolation is kind of nice in return you get clean air empty landscapes low crime a stable government
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and a very large ocean between you and everybody else's problems
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which is actually something apparently a lot of billionaires are taking
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quite seriously ever since bloomberg reported on silicon valley figures buying
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up south island bolt holes back in 2018 new zealand has
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had a reputation as the place wealthy americans plan to wait out the end of the world something
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that the country has been happy to accommodate peter teal was
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infamously granted new zealand citizenship in 2011 after spending a grand total of 12 days in the country
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that fact only became public in 2017 and caused a fair bit of a scandal when it did.
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But once a few high profile billionaires own houses in the country, the whole thing kind of compounds on itself.
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New Zealand becomes known as a destination for the ultra wealthy
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which only makes it more attractive to the next billionaire looking for a place to settle.
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And getting into the country legally is actually a lot easier than getting into the country physically.
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New Zealand runs what is commonly called a golden visa or officially the active investor plus visa and in In April 2025,
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the government made it significantly more accessible.
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The old requirements asked for a domestic investment of 15 million
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New Zealand dollars.
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The new ones offer two options, a growth category that only needs 5 million dollars invested into local businesses and funds for 3 years,
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and a balanced category that wants 10 million dollars in safer assets for 5 years.
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The English language requirement was scrapped entirely, and under the growth category
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you only need to physically be in New Zealand for 21 days across the whole 3 year investment period.
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And then this visa grants permanent residency, which can quite easily turn into citizenship down the track.
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The response has been unsurprisingly dramatic.
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In more than two years under the old settings, the investor visa attracted 116 applications and about 70 million actual dollars.
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But since the relaunch, Immigration New Zealand has received 837 applications and booked $2 .3 billion in committed capital,
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with the average application waived through in 36 working days.
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Now, when an immigration department starts quoting its own turnaround times like a courier company,
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it's a pretty clear sign of who they are trying to win over.
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Americans are the biggest group of applicants by a wide margin, followed by China and Hong Kong with roughly three dozen nationalities on the list overall.
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And those customers are getting a very good deal on the tax side too.
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New residents now qualify for what is called the Transitional Residency Exemption
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which means that for their first 48 months in the country they pay no
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New Zealand tax on most of their foreign income.
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So any dividends, interest, rents or other offshore investment income they earn all sit outside the net for four years.
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Now that exemption has technically been part of New Zealand law since 2006 so calling it new would be a stretch,
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but the government has recently been sweetening everything around it.
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Just last year the rules were adjusted specifically to carve out an exemption for people taxed on citizenship rather than residency, which in practice means
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Americans who pay US taxes wherever they live.
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New Zealand also has no general capital gains tax, no inheritance tax, and no wealth tax.
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So for someone whose wealth grows through capital gains rather than a paycheck, that combination is about as good as it gets in the developed world.
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So that is one side of the wealthy immigration equation,
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and the other right now is that a lot of these same people are getting out of the Persian Gulf.
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Dubai spent the last decade becoming the default base for the world's mobile rich, with its millionaire population more than doubling over that time.
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Close to 10 ,000 millionaires moved to the UAE last year alone, bringing an estimated 63 billion US dollars with them.
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But the war with Iran has been chipping away at the safe part of their safe haven pitch.
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Avoiding the taxman obviously has its appeal, but most of these people aren't willing to risk drone strikes for it.
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Henley & Partners, a firm that tracks and services wealthy migration, reported inquiries from UAE residents about alternative residences jumping 41 %
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in the space of a single quarter around the turn of this year.
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Now to be fair Henley
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and partners have received some criticism for their reporting in the past
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and obviously not all of these people are moving out of Dubai and straight into Queenstown.
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But even still regardless of the exact figures there are a lot of digital
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and tax nomads out there right now looking for a new home
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and it's hard to find a country further from all that geopolitical drama than New Zealand.
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In addition right next door australians are making the same move
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and they don't even need a visa to do it we mentioned it extensively in our last video
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so i don't want to repeat too much here
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but under the trans -tasman agreement an australian can move to new zealand roughly the way
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they could move to brisbane we can fly out on a tuesday
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and be a new zealand tax residence by wednesday for decades
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that mostly worked in one direction
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and it's a big part of why regular new zealanders have found it
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so easy to jump ship for higher wages over here
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but the same frictionless border works in reverse australian Australian retirees have always drifted across for the scenery
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and familiar culture and right now the exchange rate is helping too.
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One Australian dollar buys about $1 .20 in New Zealand
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so retirement savings built up over here stretch roughly 20 % further than they do across the Tasman.
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And more recently Australia's own tax changes have started doing
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New Zealand's recruiting for them.
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In its most recent budget, Canberra announced it was scrapping the 50 % capital gains tax discount from the middle of next year.
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For a wealthy Australian sitting on decades of unrealized gains, a short flight to a country with no capital gains tax
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at all plus a four -year tax holiday on their foreign income
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while they reorganize their affairs it's a really attractive offer especially
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when they aren't
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that far from home new zealand is closer to a lot
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of australian cities than those cities are to places like perth
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so the kiwis are getting very good at sucking up tech billionaires
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and wealthy australian retirees by setting themselves up as a temporary tax haven the tax campsite
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if you will this begs the question what is in it for them now i know we're all very happy
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that the world's wealthiest people are getting a nice little safe tax advantage bolt hole
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but it's worth asking what new zealand actually gets out of
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the deal where it brings in a whole lot of people
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that it won't tax the short answer is money at least publicly these people offer jobs growth
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and investments that they have to provide as part of their visa conditions the growth category requires
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that five million dollars go into new zealand businesses and manage funds
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which means the price of entry is an injection of capital into a small economy
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that never has enough of it also once these wealthy migrants arrive they spend money on houses
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and cars and boats and services at the very top of the market.
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Those purchases generate income for New Zealand and tradespeople plus a 15 % GST on most of what they buy.
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These wealthy migrants are also relatively cheap for the government to host.
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They're unlikely to rely on benefits or public housing and
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when they get sick they mostly pay their own way through the private system.
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All that is especially appealing at a time when New Zealand is losing many of its own workers overseas.
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Last year New Zealand lost 28 ,500 people to Australia alone
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which for such a small country is a big deal just in terms of manpower.
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But on top of this, everybody that does jump ship takes their capital and their spending with them.
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In other words, New Zealand may not be able to stop all of its workers from leaving,
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but attracting wealthy migrants gives it another way to bring money into the economy.
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Still, none of this is without consequence, which almost inevitably shows up in housing.
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Queenstown, a resort town with very few career industries beyond tourism, now has an average house price of just over 1 .9 million
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New Zealand dollars, more than double the already unaffordable national average of about 900 ,000.
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Given its popularity with these wealthy migrants, it's also not seen the price reductions that most of the rest of the country has post -COVID.
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Houses there sell for around 13 times what local earners earn in a year, and the standard definition of affordable is three times annual income.
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which produces a strange side of a town that cannot house the people who run it.
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Stories came out this year of nurses, teachers, and police officers living in garages or sharing beds between day
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and night shifts and commuting in from cheaper towns well outside the district,
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all while close to 14 % of local homes sit empty for most of the year as holiday homes or bunkers.
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It has gotten so bad
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that the mayor has taken to warning about zombie neighbourhood streets of multi -million dollar houses with nobody actually living in them.
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Now, to be fair, the government did think about this.
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When it reopened the housing market to foreign money at the end of last year,
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it kept the ban that stops most non -residents from buying property at all, but it carved out one narrow exception.
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Golden Visa investors can buy or build a single home worth at least $5 million.
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That original ban existed for a reason, because at the peak,
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foreign buyers were picking up as much as 20 % of the homes sold in some of the most expensive Auckland suburbs.
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Now, the new exception impacts fewer than half a percent of the national housing stock, somewhere between 5 ,000 and 6 ,000 properties,
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and the Prime Minister called the package a happy compromise.
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But in a place like Queenstown, if the only homes wealthy foreigners are allowed to buy are worth $5 million or more,
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developers have every incentive to build homes that cost at least $5 million, which clearly is not doing much for affordability.
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But then there's the biggest problem of all, stickiness.
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The exemption ends after four years.
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By then, these residents fall into the ordinary tax system of their worldwide income.
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The government's bet is that by then, they will have houses, kids and schools, and money sunk into local funds.
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The reasoning is that the people who are settled there tend to stay, and people who stay eventually become taxpayers like everybody else.
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But is that so?
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A wealthy person who's moved countries to protect their money from one tax system has already shown
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that they are happy to move countries to protect their money from tax which means when the four -year exemption runs out,
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some share of these residents will simply run the same calculation again
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and somewhere like Singapore or Monaco or the calmer future of Dubai will happily host round two, which creates a fairly big problem.
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Countries bidding for the same pool of mobile millionaires are playing a pretty classic prisoner's dilemma,
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where each country is individually better off offering a slightly sweeter deal than its neighbours, but if everybody keeps sweetening,
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it eventually just becomes a race to the bottom.
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Some countries have already decided that the deal isn't worth it.
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Spain shut down its golden visa program last year, partly over what it was doing to local housing.
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The European Court of Justice struck down the Maltese citizenship by investment scheme over security and money laundering concerns,
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and Portugal pulled property out of its program entirely while extending the citizenship weight from five years to ten.
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Australia is also moving in this direction.
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Canberra is raising capital gains tax on its own wealthy residents, which puts Australia
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and New Zealand's tax systems into direct competition for the same
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people across a border where by the country's citizens can simply show up and stay.
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If New Zealand keeps going down this path, it could also very quickly get a bit of a bad reputation.
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The morning after Australia unveiled those capital gains tax changes in its latest budget, one of Australia's biggest newspapers put
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New Zealand on its front page as a tax haven.
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New Zealand also has an election later this year, and the main opposition party is campaigning on a capital gains tax on property,
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which means the settings attracting these people could shift within a couple years of them arriving.
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So, while they might be enjoying the capital inflows for now, it could just as easily start flowing the other way,
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ripping off the band -aid that didn't really fix the core problem to begin with.
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Now, we have already made an entire video on that issue, which is why everybody else has been leaving New Zealand.
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You should be able to click to that on your screen now.
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Thanks for watching, mate.
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Bye.
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Vocabulário e dicas de fala para esta lição
Esta aula de conversação usa o vídeo “Why New Zealand Is the Only Safe Haven Left”. As palavras que mais se repetem: zealand, tax, wealthy, capital. Este vídeo tem 197 frases e 2774 palavras para praticar shadowing. A fala dura 13:17. O falante fala rápido, cerca de 209 palavras por minuto, então espere sons ligados e reduzidos. 84% das palavras estão entre as 3.000 mais comuns do inglês; vale a pena estudar o restante antes de começar.
Vocabulário principal deste vídeo
15 palavras do vídeo que vale a pena aprender, com pronúncia e significado:
| Palavra | Pronúncia | Significado |
|---|---|---|
| wealthy adjetivo | /ˈwɛl.θi/ | rico |
| visa substantivo | /ˈviːzə/ | visto |
| monarch substantivo | /ˈmɑnɚk/ | monarca |
| citizenship substantivo | /ˈsɪtɪzənʃɪp/ | cidadania |
| exemption substantivo | /ɪɡˈzɛm(p).ʃən/ | isenção |
| immigration substantivo | /ˌɪmɪˈɡɹeɪʃən/ | imigração |
| roughly advérbio | /ˈɹʌf.li/ | rudemente, precariamente |
| billionaire substantivo | /ˌbɪl.jəˈnɛɚ/ | bilionário |
| migrant substantivo | /ˈmaɪɡɹənt/ | migrante |
| exception substantivo | /əkˈsɛpʃən/ | exceção |
| attract verbo | /əˈtɹækt/ | atrair |
| consequence substantivo | /ˈkɑn.sɪ.kwəns/ | consequência, resultado |
| investor substantivo | /ɪnˈvɛs.tə(ɹ)/ | investidor |
| millionaire substantivo | /ˌmɪl.i.əˈnɛə(ɹ)/ | milionário |
| residency substantivo | /ˈɹɛzɪdənsi/ | residência |
Phrasal verbs que você vai ouvir
| Palavra | Pronúncia | Significado |
|---|---|---|
| come out verbo | /ˌkʌm ˈaʊt/ | sair, partir |
| get out verbo | sair | |
| go down verbo | descer | |
| pick up verbo | pegar | |
| run out verbo | ficar sem | |
| shut down verbo | apagar, encerrar |
Gramática neste vídeo
As estruturas que o falante mais usa, com as palavras exatas do vídeo:
| Estrutura | No vídeo |
|---|---|
| Present perfect continuous have/has been + -ing — uma ação que começou antes e continua | has intentionally been accommodating · has recently been sweetening · has been chipping |
| Present perfect have/has + particípio passado — uma ação passada que ainda importa agora | has just made · hasn't happened · has become |
| Voz passiva be + particípio passado — o foco está no que acontece, não em quem faz | is solely funded · is commonly called · was scrapped |
| Orações relativas who / which + oração — informação extra sobre uma pessoa ou coisa | accounts, which makes · residency, which can · people who run |
Pronúncia para ficar de olho
O falante usa 14 contrações e formas reduzidas, como aren't, can't, don't. Diga-as na forma curta, do jeito que você ouve.
- Os sons de “sh” e “zh”: citizenship /ˈsɪtɪzənʃɪp/, exemption /ɪɡˈzɛm(p).ʃən/, immigration /ˌɪmɪˈɡɹeɪʃən/, exception /əkˈsɛpʃən/, reputation /ˌɹɛpjʊˈteɪʃən/
- Palavras longas — acerte a sílaba tônica: citizenship /ˈsɪtɪzənʃɪp/, immigration /ˌɪmɪˈɡɹeɪʃən/, millionaire /ˌmɪl.i.əˈnɛə(ɹ)/, residency /ˈɹɛzɪdənsi/, reputation /ˌɹɛpjʊˈteɪʃən/
Sons difíceis para falantes de português:
- Consoante final — sem acrescentar um “i” depois: monarch /ˈmɑnɚk/, citizenship /ˈsɪtɪzənʃɪp/, migrant /ˈmaɪɡɹənt/, attract /əˈtɹækt/, bolt /boʊlt/
- /l/ final — a língua toca o céu da boca, não vira “u”: settle /ˈsɛtəl/, stable /ˈsteɪ.bəl/, symbol /ˈsɪmbəl/, affordable /əˈfɔɹ.də.bəl/, accessible /əkˈsɛs.ɪ.bəl/
- /h/ — um sopro suave, diferente do “r”: household /ˈhaʊshoʊld/, wherever /(h)wɛɹˈɛvɚ/, happily /ˈhæp.ə.li/, neighbourhood /ˈneɪbə.hʊd/, inheritance /ɪnˈhɛɹɪtəns/
Como praticar com este vídeo
- Ouça o vídeo inteiro uma vez sem falar e anote as palavras que você não conhece.
- Comece na velocidade 0,75×, faça shadowing frase por frase e volte à velocidade normal quando ficar fácil.
- Grave a sua voz e compare com o original, prestando atenção a palavras como wealthy, visa, monarch.
O que é a Técnica de Shadowing?
Shadowing é uma técnica de aprendizado de idiomas com base científica, originalmente desenvolvida para o treinamento de intérpretes profissionais. O método é simples, mas poderoso: você ouve áudio em inglês nativo e repete imediatamente em voz alta — como uma sombra seguindo o falante com 1-2 segundos de atraso. Pesquisas mostram melhora significativa na precisão da pronúncia, entonação, ritmo, sons conectados, compreensão auditiva e fluência na fala.