Updated
GL-S-01
Glossary · Citizenship and residency programs
St Lucia NAB bonds - St Lucia government bonds
Government bonds of St Lucia — a refundable route to citizenship by investment through purchasing government bonds for a fixed term.
01 / In 30 seconds
The short answer
- What it is
- Saint Lucia government bonds — a refundable citizenship by investment option
- How it works
- You buy bonds for a term and receive a passport
- Advantage
- The money is returned at the end of the term (without interest)
- Drawback
- Capital is frozen for the holding period
- Can you prepare
- Yes: compare with a non-refundable contribution
02 / In plain words
What St Lucia NAB bonds means
St Lucia NAB bonds (Saint Lucia government bonds, the National Action Bond) are a refundable option for obtaining citizenship by investment. Instead of a non-refundable fund contribution, the applicant buys government bonds for a set term, and at the end of it the money invested is returned — usually without interest.
The main difference from a contribution: it is not a non-refundable payment but a temporary freezing of capital. You hold the bonds for several years (the term is set by the programme), receive a Saint Lucia passport and then get the sum back. Government and administrative fees are added to the investment and are not refunded, but the main part of the capital is preserved.
This route suits those for whom recovering the investment matters and who are prepared to freeze capital for the holding period of the bonds. Compared with a fund contribution the threshold is higher and the money is “tied up”, but in the end it stays with the investor. We help compare both options and choose the best one for your goals and capital structure.
A case from practice
An investor does not want to give money away irrevocably and chooses Saint Lucia government bonds. They freeze the capital for the set term, receive a passport and, at the end of the term, get the sum invested back. Only the fees are non-refundable — we set out the full economics of the decision in advance.
Where the bonds apply
- Saint Lucia citizenship by investment
- A refundable option instead of a contribution
- Preserving capital while obtaining a passport
- Diversifying investments
- Planning for the family
- Comparison with the fund and real estate
03 / What it covers
What matters about the bonds
How it works
- Buying government bonds
- For a set term
- Then repayment
Advantage
- The money is returned
- Capital is preserved
- Not non-refundable
Drawbacks
- Capital is frozen
- Usually without interest
- A threshold above the contribution
Keep in mind
- Fees are non-refundable
- Holding period
- Due Diligence
04 / How it works
How the bond route goes
Comparison with the contribution
Preparing the file
Buying the bonds and DD
Approval
Passport, then repayment
05 / Key facts
What you need to know
01
NAB bonds are a refundable option for Saint Lucia citizenship
02
You buy government bonds for a term instead of a contribution
03
The money is returned at the end of the term (without interest)
04
Capital is frozen for the holding period
05
Fees are non-refundable, but the main sum is preserved
Common mistakes
- Expecting interest — the bonds usually pay no income
- Forgetting the non-refundable fees on top of the bonds
- Not accounting for capital being frozen for the term
- Comparing only the price, without regard to refundability
- Hiding a contentious episode — the check will find it
06 / Expert advice
How to prepare in advance
The bond option is chosen when recovering the money matters and there is a readiness to freeze capital for the term. It is compared in advance with a non-refundable contribution: the threshold is higher and the money is “tied up”, but it is preserved. The non-refundable fees are taken into account and a clean file prepared. Then a Saint Lucia passport is obtained without losing the main sum invested.
What we do for you. We help you choose between a non-refundable contribution and refundable Saint Lucia government bonds and set out the full economics of each option: the threshold, the freezing period, the fees. If preserving capital matters to you, we build the route through bonds so that the passport does not cost you the main sum invested.
Anna KovalevskayaExpert in Caribbean citizenship by investment programs
07 / Questions
Frequently asked questions
Saint Lucia government bonds — a refundable option for obtaining citizenship by investment: you buy bonds for a term, and then the money invested is returned.
Yes, the main sum is returned at the end of the set holding period — usually without interest. Only the fees are non-refundable.
The threshold is higher, and capital is frozen for the holding period of the bonds and, as a rule, earns no income. But the main sum is preserved.
As a rule, no — it is not an income-generating investment but a way of preserving capital while obtaining a passport. The point is refundability, not interest.
A contribution is cheaper but non-refundable; bonds cost more and tie up capital, but the money comes back. We help choose for your goals and capital structure.
Saint Lucia’s citizenship agency carries out due diligence on each adult applicant. A clean file goes through without delays.
INITIAL ASSESSMENT
Tell us what outcome your family needs
We will design a solution for your case, choose the country and the right status, and take the whole process through to the result.
