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Retiring Overseas

Posted on: 16th Jan 2015

Retiring abroad, whether permanently or for just part of the year (so called 'seasonal retirement'), is an increasingly popular choice, particularly among retirees from countries with 'poor' (cold, wet, etc.) climates, high taxes or soaring property prices. For many people, the dream of spending their golden years in the sun has become an affordable option, although retiring abroad (even for part of the year) isn't without its pitfalls and shouldn't be attempted without careful consideration and planning. Before deciding where, when or indeed, whether to retire abroad, it's important to do your homework thoroughly and investigate the myriad implications and possibilities. Recognising and preparing for potential difficulties in advance is much easier than dealing with disappointment, or even a crisis, later.

            However, if you do decide to take the plunge you will be in good company. Tens of millions of people have successfully retired abroad, including some two million Americans...

Why do you want to retire abroad?

Posted on: 16th Jan 2015

The first question to ask yourself is exactly why you want to retire abroad. Do you wish to live abroad permanently or spend only part of the year abroad? For example, many retirees spend the winter abroad in a warmer country, returning to their home country for the summer. Do you enjoy good health? If you planning to retire abroad for health reasons, the climate will be an important consideration. Do you primarily wish to live somewhere with a lower cost of living? Do you want to make frequent return trips to your home country, to visit your family and friends? What does your family and friends think of your plans to live abroad? The fewer family ties you have, the wider your choice of countries and possibly the more difficult it will be to make a decision. Can you afford to retire abroad? What of the future? Is your...

Advantages & Disadvantages

Posted on: 16th Jan 2015

Before planning to live abroad permanently, you must take into account many considerations. There are both advantages and disadvantages to retiring abroad, although for most people the benefits outweigh the pitfalls.


Climate: For most people, the main advantage of retiring abroad is a more moderate climate, which may include southern Europe, the southern states of the USA (e.g. Arizona, California and Florida), Central and South America, the Caribbean and the southern hemisphere in general (e.g. Australia, New Zealand and South Africa). For most people, one of the principal benefits is improved health as a result of living in a warmer climate and a more relaxing environment (provided you don't expect things to be done the same way as at home!). Your general sense of well-being will be greatly enhanced when you live in a warm and sunny climate. Those who suffer from arthritis, colds, influenza and other illnesses exacerbated by cold...

Other Considerations

Posted on: 16th Jan 2015

The following points should also be taken into account when considering whether or where to retire abroad:

            Location: One of the main considerations in choosing a retirement location should be the 'pleasantness' of the location. You should be aware that an area can change considerably over a period; for example a village may be quiet and undeveloped when you buy a property and retire there, but it could rapidly become a major tourist spot. This is particularly true of unspoilt and 'undiscovered' Mediterranean resorts and little-known parts of Central America and the Caribbean. Before committing yourself to a location, make sure that you're aware of the government's and local authorities' future plans for it.

            Think carefully before choosing your favourite holiday destination as your place of retirement. Holiday memories tend to be recalled through rose-coloured spectacles, but the reality of daily life can be very different, and your perspective and...