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The Best Places To Retire In 2025

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      Whether you’re looking for fun and sun, a peaceful retirement, or the chance to earn some extra income, you’ve got a real world of opportunity open to you… In short, we’ve done our best to narrow down your best options, but only you can decide the right country for you.

      • Spain
      • Portugal
      • Panama
      • Belize
      • Colombia
      • Cyprus
      • Mexico
      • France
      • Montenegro
      • Browse All Countries

      Best For:

      • The Best Places To Retire
      • Health Care Abroad
      • Cost Of Living
      • Investing in Real Estate
      • Establishing Residency
      • Gun Laws In The World
      • English-Speaking Countries
      • Safest Places For Retirement
      • Best Places In Latin America
    • Budgets

      How Much Will It Cost You To Live Overseas?

      The only honest answer is, we have no idea. And neither does anyone else. The only one who can answer that question is you. Here’s the most important thing to understand about budgeting your new life overseas…

      Super Cheap

      • Chitré, Panama
      • Santa Marta, Colombia
      • Phuket, Thailand
      • Dumaguete, The Philippines

      Cheap

      • Medellin, Colombia
      • Boquete, Panama
      • Kyrenia, Cyprus
      • Hua Hin, Thailand
      • The Algarve, Portugal

      Affordable

      • Valencia, Spain
      • Cascais, Portugal
      • Las Terrenas, The DR
      • Pisa, Italy
      • La Rochelle, France
      • Mazatlán, Mexico

      Luxury

      • Ambergris Caye, Belize
      • Kotor, Montenegro
      • The Panama City Beaches
      • Paris, France
    • Resources

      Global Living

      • Living & Retiring Overseas
      • Raising A Family Abroad
      • Foreign Residency & Citizenship
      • Offshore & Diversification

      Making Money

      • International Real Estate
      • Banking
      • Employment
      • Investing

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      Overseas Property Alert

      Sign up for our weekly newsletter to receive expert insights on the best international real estate investment opportunities.






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        Buying Real Estate For Cashflow

        • Discover tips and strategies used by global property investing veterans

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        International Property Summit

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        Live and Invest In Spain Conference

        PANAMA CITY, PANAMA

        June 18-20, 2025

        VIRTUAL

        July 17-19, 2025

        Valencia, Spain

        Sep. 17-19, 2025

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      • Home
      • Countries

        Top Destinations:

        Whether you’re looking for fun and sun, a peaceful retirement, or the chance to earn some extra income, you’ve got a real world of opportunity open to you… In short, we’ve done our best to narrow down your best options, but only you can decide the right country for you.

        • Spain
        • Portugal
        • Panama
        • Belize
        • Colombia
        • Cyprus
        • Mexico
        • France
        • Montenegro
        • Browse All Countries

        Best For:

        • The Best Places To Retire
        • Health Care Abroad
        • Cost Of Living
        • Investing in Real Estate
        • Establishing Residency
        • Gun Laws In The World
        • English-Speaking Countries
        • Safest Places For Retirement
        • Best Places In Latin America
      • Budgets

        How Much Will It Cost You To Live Overseas?

        The only honest answer is, we have no idea. And neither does anyone else. The only one who can answer that question is you. Here’s the most important thing to understand about budgeting your new life overseas…

        Super Cheap

        • Chitré, Panama
        • Santa Marta, Colombia
        • Phuket, Thailand
        • Dumaguete, The Philippines

        Cheap

        • Medellin, Colombia
        • Boquete, Panama
        • Kyrenia, Cyprus
        • Hua Hin, Thailand
        • The Algarve, Portugal

        Affordable

        • Valencia, Spain
        • Cascais, Portugal
        • Las Terrenas, The DR
        • Pisa, Italy
        • La Rochelle, France
        • Mazatlán, Mexico

        Luxury

        • Ambergris Caye, Belize
        • Kotor, Montenegro
        • The Panama City Beaches
        • Paris, France
      • Resources

        Global Living

        • Living & Retiring Overseas
        • Raising A Family Abroad
        • Foreign Residency & Citizenship
        • Offshore & Diversification

        Making Money

        • International Real Estate
        • Banking
        • Employment
        • Investing

        Follow Us:

        • Meet Our Experts
      • Real Estate

        Join our Weekly Newsletter
        Overseas Property Alert

        Sign up for our weekly newsletter to receive expert insights on the best international real estate investment opportunities.






          We Value Your Privacy! We will not share your email address with anyone else, period.

          Buying Real Estate For Cashflow

          • Discover tips and strategies used by global property investing veterans

          Explore Our Latest Posts

          • Learn how to invest and purchase property abroad…

          Go To The Overseas Property Alert Site

          • How To Become Independently Wealthy And Fund The Lifestyle Of Your Dreams
        • Conferences

          Upcoming Events

          • Explore Our Events Site

          International Property Summit

          Caribbean Virtual Conference

          Live and Invest In Spain Conference

          PANAMA CITY, PANAMA

          June 18-20, 2025

          VIRTUAL

          July 17-19, 2025

          Valencia, Spain

          Sep. 17-19, 2025

          LEARN MORE
          LEARN MORE
          PRE-REGISTER
          LEARN MORE
          PRE-REGISTER
          • MORE EVENTS

          Contact Our Events Team

          Toll-Free U.S. and Canada:
          1 (888) 627 8834
          From Outside North America:
          1 (443) 599 1221
          Working Hours
          Monday – Friday 08:00 am – 17:00 pm EST.

          Reach us with your questions by email at: events@liveandinvestoverseas.com

        • Store

          Unlock The World

          • Access Your Library

          Overseas Havens Reports

          • Expats' comprehensive destination guides

          Conference Kits

          • Hours of coverage  from our latests conferences

          Lahardan Books

          • Titles on living and investing around the world
          • Explore Our Store
          Your passport to a life well-lived abroad

          Subscriptions

          overseas living letter offers affordable retirement guidance
          The Simon Letter Wealth Protection Insights
          Global Property Advisor Global Investment Opportunities

          Our Customer Service team is here to assist with any questions or concerns CustomerService@LiveandInvestOverseas.com

        • My Library
        Live and Invest Overseas
         Moving Out Of The U.S?

        THE 10 BEST PLACES TO RETIRE IN 2025

        the 10 best places to retire in 2025

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          Home Investing

          Diversify Your Portfolio Beyond Home Borders

          by Kathleen Peddicord
          Aug 04, 2024
          in Investing
          0 0
          Paris Le Matin

          AdobeStock/Tilio & Paolo

          A rental property is the most common way to diversify your investment portfolio beyond borders.

          Buy an ocean-view condo on Ambergris Caye, Belize, or a well-located pied-a-terre in the City of Light and you can rent it out for cash flow in the local currency when you’re not using it for well-deserved getaways yourself.

          A rental abroad has many advantages, but it brings complications. You’ve got to maintain it. Fix the toilet when it leaks. Clean up after the renters. Pay the property taxes.

          There’s another way to generate cash flow in foreign markets that you may never have heard of and that comes with none of those hassles. It’s the most straightforward overseas “property” investment imaginable.

          Start Your New Life Today, Overseas






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            A world full of fun, adventure, and profit awaits! Sign up for our free daily e-letter, Overseas Opportunity Letter, and we'll send you a FREE report on the 10 Best Places To Retire In Style Overseas In .

            I’m talking about a hard money loan.

            This boils down to you earning double-digit returns lending money to a property developer.

            This kind of one-to-one lending takes place in the United States, too. An individual or an organized private group lends at an interest rate much higher than the going rate for a bank mortgage. The borrower accepts the terms because he doesn’t intend on accruing interest long. The plan is to pay off the debt in the short-term.

            The borrower is able to fund his or her project quicker and more easily than if they had to battle bank bureaucracy.

            Developers overseas find it preferable to skip bank bureaucracy, as well.

            Start Your New Life Today, Overseas






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              A world full of fun, adventure, and profit awaits! Sign up for our free daily e-letter, Overseas Opportunity Letter, and we'll send you a FREE report on the 10 Best Places To Retire In Style Overseas In .

              My first personal experience with a hard money loan was in 2004 when a developer in Australia approached Lief and me looking for financing. The term was 18 months, the annual interest rate 12%.

              Total return 18% in a year-and-a-half.

              The developer was the sort we like—what we refer to as a serial developer. He had years of experience with the kind of project he was shopping to fund, meaning he could show a track record of getting in and out, from land purchase to sale of the completed units, again and again.

              The developer could have borrowed for his next project from a bank, but bank approval, even if you qualify easily for the loan, can take months.

              Instead, he opted to approach a short list of investors. Going this word-of-mouth route, he was able to raise the money he needed in a matter of weeks. We were fortunate enough to be on the list.

              Turned out to be some of the easiest money we’ve ever made.

              Start Your New Life Today, Overseas






                We Value Your Privacy! We will not share your email address with anyone else, period.
                A world full of fun, adventure, and profit awaits! Sign up for our free daily e-letter, Overseas Opportunity Letter, and we'll send you a FREE report on the 10 Best Places To Retire In Style Overseas In .

                Over the years we’ve come across opportunities for this kind of investing in many markets but none as good as one on the table in Panama right now.

                The further along in the development cycle, the less risky a hard money investment proposition, and this developer is far along indeed. He has been funding his residential communities through hard money loans for seven years. In that time, he has paid out in full and on time to 272 investors.

                And he’s been building houses, creating communities.

                These properties are being delivered in real time to private local buyers who, thanks to this developer’s efforts, are able to afford their first-ever family homes… homes of quality they’d struggle to purchase otherwise.

                It’s a win-win-win. The developer gets hassle-free funding. The end-buyer gets the new home of their dreams. And you, the investor, earn a completely turn-key, zero-hassle 30% in two years.

                Again, for an investment like this, track record is everything. The developer we’ve chosen to work with in Panama has decades of experience, is building houses in real time that are reinventing the future of his community, and is right now closing out his offer.

                This is your last chance to get in on what I’d say could be the easiest 30% you’ve ever earned.

                Until next time,

                Kathleen Peddicord signature

                Kathleen Peddicord

                Founding Publisher, Overseas Opportunity Letter

                Tags: 'Diversification Offshore''invest overseas'Business Opportunity In Panamarental investment property
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                Kathleen Peddicord

                Kathleen Peddicord

                Kathleen Peddicord has reported on opportunities for Americans to live, retire, and do business overseas for 40 years. She has traveled to more than 75 countries, invested in real estate in 24, established businesses in 7, renovated and built properties in 6, and educated her children in 5.

                Kathleen has moved children, staff, enterprises, household goods, and pets from the east coast of the United States to Waterford, Ireland, then to Paris, France, and finally to Panama City, Panama, where she has based her Live And Invest Overseas business. Peddicord and her husband, Lief Simon, now divide their time between Panama and Paris.

                Peddicord was a partner with Agora Publishing’s International Living group for 23 years. She opened, staffed, and operated International Living publishing and real estate marketing offices in Waterford, Ireland; Panama City, Panama; Granada, Nicaragua; Roatan, Honduras; San Miguel de Allende, Mexico; Quito, Ecuador; and Paris, France. Peddicord launched Live And Invest Overseas group in 2008 and has built it into a successful multimillion-dollar business. Today, she shares her firsthand experience of expat life with more than 500,000 readers of her publications, including Overseas Opportunity Letter and Overseas Living Letter.

                Kathleen has been featured often in The New York Times, MSNBC, AARP, CNN, Bloomberg, CNBC, and more and writes monthly about expat matters, international real estate, and offshore diversification for Forbes and U.S. News.

                Kathleen has written several books including the memoirs “At Home In Ireland” and “At Home At Los Islotes” and her latest title “At Home Abroad,” all published by Lahardan Books. Her best-selling "How To Retire Overseas: Everything You Need To Know To Live Well (For Less) Abroad” was published by Penguin Random House in 2018 and her “Buying Real Estate Overseas For Cash Flow (And A Better Life)” was published by Wiley in August 2020.

                Start Your New Life Overseas Today!
                Sign up for our free daily e-letter, Overseas Opportunity Letter, and we'll send you a FREE report on The 10 Best Places To Retire In 2025.

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                      HOME

                      Top Countries

                      • Spain
                      • Portugal
                      • Panama
                      • Belize
                      • Colombia
                      • Cyprus
                      • Mexico
                      • France
                      • Montenegro

                      Best For:

                      • Health Care Abroad
                      • Retirement Living
                      • Cost Of Living
                      • Investing in Real Estate
                      • Establishing Residency
                      • Gun Ownership
                      • English Speakers
                      • Safety
                      BROWSE ALL COUNTRIES

                      Budgets

                      How Much Will It Cost
                      To Live Overseas?

                      Super Cheap

                      • Chitré, Panama
                      • Santa Marta, Colombia
                      • Phuket, Thailand
                      • Dumaguete, The Philippines

                      Cheap

                      • Medellin, Colombia
                      • Boquete, Panama
                      • Kyrenia, Cyprus
                      • Hua Hin, Thailand
                      • The Algarve, Portugal

                      Affordable

                      • Valencia, Spain
                      • Cascais, Portugal
                      • Las Terrenas, The DR
                      • Pisa, Italy
                      • La Rochelle, France
                      • Mazatlán, Mexico

                      Luxury

                      • Ambergris Caye, Belize
                      • Kotor, Montenegro
                      • The Panama City Beaches
                      • Paris, France

                      Resources

                      Global Living

                      • Living & Retiring Overseas
                      • Raising A Family Abroad
                      • Foreign Residency & Citizenship
                      • Offshore & Diversification

                      Making Money

                      • International Real Estate
                      • Banking
                      • Employment
                      • Investing
                      Meet Our Experts

                      Real Estate

                      Overseas Property Alert 

                       

                      How To Become Independently Wealthy And Fund The Lifestyle Of Your Dreams

                      VISIT SITE

                      Buying Real Estate For Cashflow

                       

                      Discover tips and strategies used by global property investing veterans

                      READ MORE

                      Explore Our Latest Posts

                       

                      Learn how to invest and purchase property abroad…

                      EXPLORE

                      Conferences

                      INTERNATIONAL PROPERTY SUMMIT

                      PANAMA CITY, PANAMA June 18-20, 2025
                      LEARN MORE

                      CARIBBEAN VIRTUAL CONFERENCE

                      VIRTUAL July 17-19, 2025
                      LEARN MORE
                      PRE-REGISTER

                      Live and Invest In Spain Conference

                      Valencia, Spain Sep. 17-19, 2025
                      LEARN MORE
                      PRE-REGISTER
                      MORE EVENTS

                      Contact Our Events Team:

                      Toll-Free U.S. and Canada:
                      1 (888) 627 8834

                      From Outside North America:
                      1 (443) 599 1221

                      Working Hours
                      Monday – Friday 08:00 am – 17:00 pm EST.

                      Reach us with your questions by email at: events@liveandinvestoverseas.com

                      Store

                      Overseas Havens Reports

                      • Expats' comprehensive destination guides

                      Conference Kits

                      • Hours of coverage  from our latests conferences

                      Lahardan Books

                      • Titles on living and investing around the world

                      Subscriptions

                      • Overseas Living Letter: Affordable Retirement Guidance
                      • The Simon Letter: Wealth Protection Insights
                      • Global Property Advisor: Global Investment Opportunitites
                      VISIT OUR STORE

                      Free Report

                      THE 10 BEST PLACES TO RETIRE IN 2025

                      FREE REPORT: The 10 Best Places To retire in 2025

                      Sign up to receive the FREE daily e-letter, Overseas Opportunity Letter and we’ll immediately email you our editors’ latest research report…






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