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Economist Gabriel Zucman finds that 8% of worldwide household wealth is held in tax havens (territories such as Singapore with low tax rates for investors who reside outside those territories). Zucman also finds that use of tax havens differs between countries-they are rarely used by investors living in Japan, while many investors who utilize tax havens reside in Saudi Arabia or Greece. Philosopher Ingrid Robeyns disapproves of the use of tax havens as a method of tax avoidance that, though legally permissible, nonetheless helps investors to sidestep payment toward government upkeep.