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The World’s Best Places To Retire

Kathleen Peddicord by Kathleen Peddicord
Sep 12, 2010
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The World’s Top Retirement Havens

This past week I’ve given you checklists and other tools to help you do the work to identify the overseas retirement haven with your name on it.


In response, one reader wrote, “Kathleen, this is all a bit cloak and dagger. Seriously, just tell me. What would you say are the best places in the world to retire right now?”

Here you go…the world’s top retirement havens:

 

  • Best place to retire cheap: Cuenca, Ecuador

Cuenca is perhaps the most affordable place in the world where you might want to live full-time. You could retire here on less than US$800 per month.

  • Best places to retire cheap and exotic: Malaysia and India

India is probably the cheapest place in the world to think about retiring right now. Cheaper than Ecuador and also more exotic. Maybe too exotic for many.

Malaysia is also super-cheap and exotic but more welcoming of foreign retirees. This is the only country in Asia that makes it easy to establish full-time foreign residency.

  • Best places to retire to the beach: Las Tablas, Panama and Maceió, Brazil

Within a 20-minute drive of the little Pacific-coast town of Las Tablas, Panama, you can reach five different beaches, all beautiful, all undiscovered. This is a big part of the reason why growing numbers of U.S. and Canadian expats are settling in this part of Panama’s Azuero Peninsula.

Maceió is a clean, modern, elegant city fronted by miles of white sand. It’s also very affordable. You could buy a three-bedroom apartment here for US$75,000.

  • Best place to retire without having to learn a new language: Belize

  • Best place to “retire” to start a business: Panama

 

If your plan for retirement is more about reinvention, starting over, and starting a new business than reclining on the beach and slowing down, Panama should be #1 on your list. Starting a business isn’t everyone’s idea of “retirement,” but pursuing your entrepreneurial inclinations at this phase of your life (starting an Internet business, for example) is a way to launch this phase of your life when you want rather than when your accumulated nest egg allows.

  • Best-weather choice: Medellin, Colombia

As I’ve explained, Medellin is not what you expect. This is a lovely, leafy, and, yes, safe city of restaurants, museums, and parks. It’s also situated at an ideal elevation and, as a result, enjoys pleasant, never-too-hot, never-too-cold weather year-round. Living here, you’d need neither air conditioning or heat, meaning your monthly utility bills would be nicely controlled. Plus, the great weather means you’re able to enjoy all the outdoor attractions of this pretty, pleasant city year-round.

  • Top tax-busting choices: Panama and Belize

Depending from where you derive your income in retirement, you could retire tax-free in Panama or Belize. As an American abroad, you never lose your tax-filing obligation in the United States, but that does not mean you owe taxes Stateside. You need expert advice to organize yourself properly (that is, compliantly), but, bottom line, it’s possible to retire tax-free. And, again, Panama and Belize are my top picks for where to do that right now.

  • Best luxury-lifestyle-on-a-budget choice: Paris

Whatever your idea of the high life, you can find it in the City of Light, and the best part about Paris is that some of the best it has to offer comes free.

  • Best controlled-culture-shock choice: Ajijic, Mexico

Ajijic is home to the biggest and most established expat community in the world. You could retire here comfortably without learning Spanish, and you could spend most of your time, if you chose, among fellow foreign retirees. You could enjoy the comforts and conveniences of “back home” while living at a reduced cost and with great weather.

  • Best places to retire with children: Panama and Uruguay

If you’re considering relocating to another country with children, international-standard schooling options become your priority. You’ll find good ones in Panama and Uruguay.

Kathleen Peddicord

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Kathleen Peddicord

Kathleen Peddicord

Kathleen Peddicord has covered the live, retire, and do business overseas beat for more than 30 years and is considered the world's foremost authority on these subjects. She has traveled to more than 75 countries, invested in real estate in 21, established businesses in 7, renovated historic properties in 6, and educated her children in 4.

Kathleen has moved children, staff, enterprises, household goods, and pets across three continents, from the East Coast of the United States to Waterford, Ireland... then to Paris, France... next to Panama City, where she has based her Live and Invest Overseas business. Most recently, Kathleen and her husband Lief Simon are dividing their time between Panama and Paris.

Kathleen was a partner with Agora Publishing’s International Living group for 23 years. In that capacity, she opened her first office overseas, in Waterford, Ireland, where she managed a staff of up to 30 employees for more than 10 years. Kathleen also opened, staffed, and operated International Living publishing and real estate marketing offices in Panama City, Panama; Granada, Nicaragua; Roatan, Honduras; San Miguel de Allende, Mexico; Quito, Ecuador; and Paris, France.

Kathleen moved on from her role with Agora in 2007 and launched her Live and Invest Overseas group in 2008. In the years since, she has built Live and Invest Overseas into a successful, recognized, and respected multi-million-dollar business that employs a staff of 35 in Panama City and dozens of writers and other resources around the world.

Kathleen has been quoted by The New York Times, Money magazine, MSNBC, Yahoo Finance, the AARP, and beyond. She has appeared often on radio and television (including Bloomberg and CNBC) and speaks regularly on topics to do with living, retiring, investing, and doing business around the world.

In addition to her own daily e-letter, the Overseas Opportunity Letter, with a circulation of more than 300,000 readers, Kathleen writes regularly for U.S. News & World Report and Forbes.

Her newest book, "How to Retire Overseas: Everything You Need to Know to Live Well (for Less) Abroad," published by Penguin Random House, is the culmination of decades of personal experience living and investing around the world.

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