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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

    Follow Us:

    • Meet Our Experts
  • Real Estate

    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
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    Upcoming Events

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    Live and Invest In Spain Conference

    Offshore Wealth Summit

    Greece Workshop

    VALENCIA, SPAIN

    Sep. 17-19, 2025

    PANAMA CITY, PANAMA

    Oct. 15-17, 2025

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  • My Library
Live and Invest Overseas
  • 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

    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

    Live and Invest In Spain Conference

    Offshore Wealth Summit

    Greece Workshop

    VALENCIA, SPAIN

    Sep. 17-19, 2025

    PANAMA CITY, PANAMA

    Oct. 15-17, 2025

    VIRTUAL

    Nov. 13, 2025

    Learn More About This Event
    Learn More About This Event
    PRE-REGISTER
    Learn More About This Event
    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

    Services

    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
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THE 10 BEST PLACES TO RETIRE IN 2025

the 10 best places to retire in 2025

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Home Investing

Independent Living Communities: Retire In Style Or Earn A Profit

Two Top Independent Living Options Overseas

by Lynn Mulvihill
Apr 01, 2021
in Investing
0 0
Praia da Luz, Portugal.

Alamy/Mario Majer

Who’s up for checking into an age-restricted community?

Hmm, no thanks.

A retirement village?

Maybe…

How about independent living?

Ah, now we’re talking…

I jest, of course. These are all the same thing. But we know, too, that they come in different shapes and standards. And, just as we’re choosing better language to describe them, the blueprints for our future retirement communities are moving into the 21st century.

Frankly, this can’t come quickly enough…

Right now, 15% of the U.S. population is over 65. That number is expected to hit 20% by 2050.

Americans are also living longer than ever. And, their ideas of retirement are far removed from that of their parents. Many will continue to run some small businesses on the side… to get out into the world and check experiences off their lengthy bucket lists… to get healthier and maintain their quality of life…

And, of course, a growing number will want to do all of this overseas.

In 2019, more than 700,000 Social Security payments were sent to U.S. citizens abroad. That’s a 40% increase over the last decade alone.

This aging population needs safe, comfortable places to live where they can be both engaged and cared for. Places where they can still be as active and free as they wish… but they have a ready-made network to fall back on for company and friendship, as well as access to health care and support when needed.

Options for independent living in the havens we highlight here at LIOS are very thin on the ground. In Latin America, they’re almost non-existent… especially to the kind of standard the North American retiree is seeking.

The good news is that this is beginning to change. And, it presents an opportunity for you if…

  • You’d like to have this community option for your own move overseas.
  • You’re looking for a niche investment opportunity—with the potential for both capital appreciation and rental income.

We know of two luxury-level retirement communities being developed in two of our top recommended havens overseas.

The first is in Panama City. I’ve highlighted this one in the past, but I’d like to flag it again here as it represents a truly affordable entry price for a high standard of living… and possibly your last chance to get into this sought-after part of the city at a true bargain…

Overseas Luxury Retirement Community Option #1:
Costa Del Este, Panama

Best Suited For: Investment

This development is Panama’s first venture into the independent living sector—geared toward the discerning expat retiree.

It’s a state-of-the-art facility brought to the market by one of the city’s top developers who has recognized a gap in the market.

These independent living condos are part of a larger luxury development in Costa del Este—one of Panama City’s most coveted business and residential addresses.

New, spacious, shiny, slick, and turn-key, Costa del Este claims to be Panama’s biggest modern-day planned community. National and international companies are located here, which means international families are putting down roots. People coming from all corners of the world has helped make Costa del Este a truly cosmopolitan neighborhood.

Residents of these independent living apartments will be just steps from Costa del Este’s newly built Johns Hopkins-affiliated hospital… as well as the Town Center shopping mall with its movie theater… a selection of restaurants… and one of the city’s best pharmacies. An 18-hole golf course designed by Jack Nicklaus is just minutes away.

Part of a larger building of mixed generation apartments, the independent living floors will consist of 48 apartments—with a choice of single or double occupancy…

A pool in Panama
First-class independent living amenities at a fraction the cost in the U.S.

All residents will have full access to the wellness center, gym, yoga studio, social areas, theater, sky bar, and individual pools on each floor…

There’s even an on-site co-working center for individuals who want to manage online businesses.

First-class health care, nursing, meals, housekeeping, and property management are part of the package. As residents age, they can avail of support packages—including health insurance (at a small fraction of the cost in the United States).

If you prefer to keep your unit to yourself, that’s an option, too. As an owner, you can occupy your apartment and avail of the independent living package—including full-service health care and support—from just US$1,885 per month.

Considering that the cost of independent living communities in the United States cost from US$1,500 per month at the lower end to as much as US$6,000, this is an affordable option for a luxury-level retirement in a cosmopolitan neighborhood… with all amenities and the support of a community on your doorstep.

Prices start from US$185,500. If you opt to rent out your property, you can expect a net ROI of 7% to 8%, or an annual payout of US$14,000 to US$15,000—all 100% turn-key.

Again, this project is offering a luxury retirement, with an incredible package of additional benefits, at an affordable price simply not possible in North America or Europe.

Get the full details on Panama’s one and only independent living community here now.

Overseas Luxury Retirement Community Option #2:
Praia da Luz, Portugal

Best Suited For: Personal Use

Spoiler alert: this one has a higher entry-level price. But, let’s remember, we’re talking about the retirement haven that ticks all the boxes of the “average” retiree looking to go overseas…

A warm, sunny climate most of the year… unspoiled, golden-sand beaches… a healthy, outdoor lifestyle… English widely spoken… excellent health care… an affordable cost of living…

These are just a few of the Algarve’s assets…

And we’re talking an old-world location, with easy connections to all of Europe.

The pre-construction opportunity here is truly a rare find…

It’s in one of the Algarve’s most exclusive resort towns—Praia da Luz. And this is the region’s first luxury residential development. It’s being built to house expat retirees who are looking for a high-standard living space (either to buy or rent long term), surrounded by like-minded neighbors and with access to all the attractions of the Algarve…

Everything from the project’s location at the highest point in town with the best sea views to its fully accessible unit designs has been carefully chosen by the developer.

A terrace in Portugal
Enjoy a stunning sea view from your terrace…

One hour from Faro airport, this project is within walking distance to restaurants, cafés, shops, a hairdresser, the city center, and one of the best beaches in Europe. Public transportation is at your doorstep, which gives you easy access to everything the town offers.

The building has 38 units—all of which are accessible and come with a terrace. Buyers can choose from one-, two-, and three-bed designs, ranging in size from 55 to 90 square meters. Units are energy efficient, come with underfloor heating, and are soundproofed per local building requirements.

An apartment in Portugal
These sleek apartments are energy-efficient.

The community space includes an outdoor lap pool, indoor heated pool, a library, gym, reading lounge, high-tech internet in all areas, solar heating, a rooftop terrace, barbecue, and small community kitchen with beautiful landscaping all around. Once completed, residents will be well cared for with a reception and concierge service, as well as full-time security.

Unlike the bulk of accommodation in the area, this is not geared toward the short-term rental market. The aim is to nurture and serve the on-site expat community.

With net rental yield projected below 5%, this project is really a lifestyle buy—one to keep for your own use. (If you’re not ready to move by the time your unit is complete, you could rent it in the intervening years.)

We like to play it conservative when it comes to capital appreciation. But the fact that this is the only luxury retirement community in town—and options are severely limited for other developers to get in here in such a prime location—you can expect to see appreciation over the coming years… and be in a strong position on the resale market.

Pre-construction prices start from 275,000 euros (US$324,760) for a one-bed apartment… with a choice of payment plans on offer.

If you’d like to know more about this upscale, ocean-view development in the Algarve, please get in touch with our trusted agent here.

Lynn Mulvihill
Editor, Overseas Property Alert

Tags: 'invest overseas''panama city'AlgarveIndependent Living CommunityPanamaPortugalPraia da Luzretire overseas
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Lynn Mulvihill

Lynn Mulvihill

A native of Waterford, Ireland, Lynn Mulvihill has written on the topic of retiring overseas for nearly a decade, editing a variety of e-letters, newsletters, reports, and books. Lynn took a sabbatical in 2007 for the birth of her son…and, liking her new career, decided to stay home. Now moonlighting as a freelance writer and editor, Lynn continues to contribute to Live and Invest Overseas covering the beat of living and investing overseas. Though firmly rooted to her native soil, Lynn enjoys traveling…and has spent time in Europe, Asia, the U.S., and Central America.

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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

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From Outside North America:
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Reach us with your questions by email at: events@liveandinvestoverseas.com

Store

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  • Expats' comprehensive destination guides

Conference Kits

  • Hours of coverage  from our latests conferences

Lahardan Books

  • Titles on living and investing around the world

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THE 10 BEST PLACES TO RETIRE IN 2025

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