米国では医療費やその他の費用が急騰しているため、間もなく退職する人の多くは、かつては考えられなかったかもしれないことを検討しています。
中南米、ヨーロッパ、アジアの多くの国は、生活費の削減と素晴らしい気候だけでなく、近代的な設備と高度な医療も誇っています。
旅行のアドバイスと、生活費、ビザの要件、その他の要素に関する最新情報を確認して、海外で手頃な価格で安全な引退を実現するための2019年の最適な場所を見つけました。
トップピックをカウントダウンしながら、フォローしてください。退職者が20万ドル以下の節約で簡単に手に入れることができる、世界中の15か国。
スロベニアは中央ヨーロッパの引退先の宝石です。イタリアの東の国境を共有し、ヨーロッパ旅行の拠点として完璧な位置にあります。
山の崖に囲まれた中世の城や教会のほか、素晴らしいスキーや美しい湖があります。イストリア半島のビーチまで車ですぐです。スロベニアの四季の気候は、アドリア海沿いの沿岸の町で最も穏やかです。
スロベニアでの生活は手頃です。首都リュブリャナにある1ベッドルームのアパートは、生活費のウェブサイトNumbeoによると、月に約600ドルで借りられ、レストラン、娯楽、食料品も手頃な価格です。
すべての居住者は、良好な医療へのアクセスを提供する強制的な州の健康保険に支払う必要があります。追加のサービスのために民間の地元の健康保険を追加するのが一般的です。
スロベニアには欧州連合の非市民のための退職ビザがないため、アメイカンの退職者は米国を離れる前に1年間の一時滞在許可を申請する必要があります。
また、ビザの「目的」を選択する必要があります。米国の高齢者は、語学クラスの受講などの学習目的、または自営業者になる目的で応募できます。
スロベニアの「基本最低所得」と少なくとも同等の所得があることを示す必要があります。これは、2018年8月の月額450ドル未満でした。
一時許可は毎年更新する必要があります。このビザでスロベニアに5年間滞在した後、永住権を申請することができます。
マレーシアは、退職者に温かみと文化を手頃な価格で提供しています。首都のクアラルンプールは、生活費が安く、ペルダナ植物園を散歩したり、そびえ立つペトロナスツインタワーの景色を眺めたりするなど、たくさんの無料アクティビティがあります。
気温は華氏77度から湿度の高い95度までの範囲です。 があることに注意してください 10月から3月までのモンスーンシーズン。
クアラルンプールでは安価な地元の食事が3ドルで、2回の3コースディナーはわずか18ドルです。市内中心部にある1ベッドルームコンドミニアムの平均家賃は月額600ドル未満だとNumbeo氏は言います。
ペナンの文化的なるつぼはさらに安く、1ベッドルームの家賃は月額約230ドルです。
50歳以上の退職者の場合、マレーシアの「マイセカンドホーム」（MM2H）プログラムに申し込むには、オフショア流動資産で約86,150ドル、月収2,500ドルの証明が必要です。
承認されたら、マレーシアの「固定預金」アカウントを開設し、1年間37,000ドルを保持する必要があります。その後、政府はあなたが滞在している限り、最低24,600ドルの残高を維持するようにあなたに要求します。
マレーシアは一般的に非常に安全ですが、ホームセキュリティに投資し、観光地で貴重品を運ぶことを避け、サバ州東部に近づかないようにすることをお勧めします。
国は世界クラスの医療と効率的な民間クリニックを低価格で提供しており、英語は主要都市で広く話されています。
豊かな文化と歴史、豪華な自然の景観、手頃な生活費を誇るベトナムは、本当に特別な引退先です。
主要都市では2人で月額約1,500ドルで生活できます。ニャチャンやダナンのビーチタウンに行くと、月額1,000ドル未満で幸せに暮らせるでしょう。
ニャチャンには外国人や西洋料理のレストランがたくさんあり、ダナンはビーチと温暖な気候の近代的な都市です。どちらの都市の1ベッドルームも月額400ドル未満で借りられます。
これらの価格で、ベトナムの日当たりの良い海岸、仏塔、フランスの植民地時代の遺物を探索し、フランス、カンボジア、中国の味をブレンドしたおいしい屋台の食べ物とユニークな料理を楽しむために、たくさんの資金が残っています。
ベトナムに市民と結婚していない、または家族がいない場合は、ベトナムに長期滞在するためにビザを申請する必要があります。
ベトナムには特別な退職プログラムはありません。代わりに、1年間の複数入国ビザを申請することができます。このビザでは、90日に1回出国する必要があります。
ベトナムは完全に適切な医療を提供していますが、深刻な医療状況のためにタイまたはシンガポールに飛行機で行く必要があるかもしれません。
砂浜と美しい植民地時代の都市があるメキシコのユカタン半島は、観光客のホットスポットであるカンクンを含み、国際的な退職者にとって最も安全な地域の1つと見なされています。
小さな町の生活が都市生活よりも魅力的な場合は、メキシコ西部のアジジックに定住することをお勧めします。このアヒヒクからは、湖と山の素晴らしい景色を眺めることができ、グアダラハラ空港に簡単にアクセスできます。
アヒヒクの近くで1ベッドルームのアパートを月額400ドル未満で借りることができ、週に数ドルで新鮮な地元の農産物や魚の袋を購入できます。メキシコの多様な地域の豊かな文化を旅して体験する余裕は簡単にあります。
メキシコの民間健康保険は、あなたが年をとるにつれて高くなるので、多くの退職者は母国からの医療保険プランを保持しています。メキシコでの専門医の予約は、自己負担で25ドルから30ドルかかりますが、都市の外を訪れる医師の費用は10ドルから15ドルです。
メキシコで引退するには、米国のメキシコ領事館で一時滞在ビザを申請するという選択肢があります。このビザは1年間の居住を許可し、さらに3年間更新できます。
2019年1月の時点で、このビザを求める退職者は27,000ドルの貯蓄残高を提示する必要がありますまたは 外国の年金または6か月間の月額1,620ドルの投資からの収入の証明。
または、すぐに永住権を申請することもできます。月収が2,700ドルまたはであることを示す必要があります 過去12か月で約108,000ドルの節約。
夫婦は、両方のビザタイプの月収要件にさらに540ドルを追加する必要があります。
インドネシアの17,000の島々は、活気ある都市、美しい寺院や宮殿、熱帯のジャングル、自由奔放なビーチに覆われています。太陽の下でリラックスしたり、サファリに行って、国の壮大な野生生物の配列を発見したりできます。すべてが最安値です。
1ベッドルームのアパートは、首都ジャカルタでは月額400ドル未満、バリ州では約250ドルで借りられます。ビーチにある家具付きの大きなアパートは、3倍の費用がかかる可能性があります。
地元の人はインドネシア語しか話せない傾向がありますが、多くの企業や医師も英語を話します。
最高の病院はジャカルタにあり、外国人は自己負担でサービスの料金を支払わなければなりません。一般的な診察の費用は約40ドルで、入院治療の費用は1日あたり220ドル以上になる可能性があるため、民間の健康保険をお勧めします。
インドネシアで引退するには、入国管理局によって任命された地方機関を通じて申請する必要があります。代理店はあなたのスポンサーとして機能し、あなたの一時的な引退ビザ、またはITASを処理します。
このビザは、年間18,000ドル、または月額1,500ドルの年金収入の証明を提示できる55歳以上の申請者が利用できます。
また、インドネシアで保険を提供する健康保険に加入し、1年間の賃貸借契約を結ぶ必要があります。最後の要件は、1時間あたり約2.50ドルの費用で、地元の家事手伝いを雇うことです。
退職ビザは最大5年間毎年更新でき、その後永住権を申請できます。
Peru was the heart of the Inca Empire, and today it's known for its beautiful section of Amazon rainforest and its majestic mountains, tropical jungles and rich culinary tradition. Its cities, including Lima and Cusco, have long and varied histories.
Thanks to its low cost of living and friendly people, Peru is a very hospitable option for international retirees.
In popular expat destinations such as Arequipa and Cusco, a one-bedroom apartment rents for less than $350 a month, and a nicer three-course meal for two costs between $10 and $12.
Peruvian public health care is affordable, but expats tend to have their own health insurance and use private clinics. The main health concern for newcomers is altitude sickness in Peru's high elevations.
Peru has an accessible retirement visa called the rentista visa, which gives holders permanent resident status. With this visa, you won’t need to renew your residency permit or pay income tax of any kind.
To qualify, you’ll need to show that you have a permanent monthly income of $1,000 for one person, plus $500 per dependent.
To maintain the visa, you must spend a minimum six months of the year in Peru.
The Mediterranean islands of Malta boast year-round sunshine and a unique mix of prehistoric and colonial history and architecture.
English is the second official language after Maltese, making for an easy transition for North American retirees.
On the island of Gozo, a centrally located one-bedroom apartment rents for less than $500 monthly, on average.
Malta also offers excellent health care at a fraction of the cost in the U.S. To access the system, you’ll need private health insurance coverage, which can cost less than $115 per month for those without chronic health conditions.
Malta offers a renewable one-year visa for retirees and self-employed seniors.
Americans and Canadians may visit Malta for 90 days. Once there, you can apply to extend your stay for another three months. And then, you may apply for a permanent resident visa.
You’ll need to show you have at least 23,500 euros (more than $26,500) in the bank, or 28,500 euros (more than $32,000) if you’re married.
You’ll also need to demonstrate proof of health insurance, a mortgage or rental contract, and a clear criminal record. Finally, you’ll file a Maltese tax return and follow the minimum tax requirements.
Ecuador has become very popular with North American retirees thanks to its temperate climate and stunning landscape of sandy beaches and mountains, metropolitan cities and the famous Galapagos Islands.
The U.S. dollar is used as the official currency, and seniors 65 and older qualify for half-price public and private transportation services, plus discounts on utilities, entertainment and even flights.
Ecuador also has one of the most peaceful political climates in South America, especially in communities popular with American retirees, including Quito, the capital, and the smaller town of Cuenca.
The monthly rent on a one-bedroom apartment is only about $430 in central Quito and about $360 in Cuenca, Numbeo says. Ecuador also offers high-quality private health care options.
Since visitors can stay in the country for only 90 days, it’s a good idea to apply for the country’s 9-I pensioner visa at an Ecuadorian consulate in the U.S.
The visa requires proof that you will have a monthly pension income of $800 or more. Your Social Security check can qualify as proof of income.
The process costs $500 plus a $50 visa application fee. Once you’re accepted, you’ll need to sign up for public or private health insurance.
Another option to gain residency in Ecuador is to buy real estate costing $25,000 or more (plus $500 per dependent) under the 9-II visa for investors in real estate and securities.
Thailand is home to spectacular beaches, beautiful palaces and ancient ruins. And Bangkok, the country's capital and commercial center, offers all the shopping, arts and other amenities you could want.
The hot season can bring 105-degree Fahrenheit heat — so the best time for outdoor activities is between November and March, when temperatures hover around 86.
You can live comfortably on $1,500 to $2,000 per month in coastal Phuket, where a one-bedroom apartment rents for less than $400 a month. In northern Chiang Mai, a full dinner for two can cost less than $10.
Thailand's health care system is considered one of the best in the world, and prices for medical care are significantly lower than in the U.S. The top private hospitals are in Bangkok.
Thailand’s retirement visa accepts applicants ages 50 and over with no criminal history.
The government asks to see proof of:about $25,700, either in a bank account or as pension income; or monthly income of about $2,100. To add a spouse to your application, you’ll need to provide a marriage certificate.
You can apply for a one-year, multiple entry non-immigrant O-A visa before leaving the U.S. and renew it each year from within Thailand.
While living in the country, you’ll need to report to an immigration officer or police station every 90 days with your approved documents.
Chile’s temperate four-season climate is perfect for wine production — and for exploring the country’s miles of coastline and beautiful mountains in your retirement.
Urbanites will enjoy the diverse and modern city of Santiago, while those looking for relaxation may find the perfect spot on the shores of La Serena or amid the bohemian vibe of Valparaiso.
You could retire in Chile on about $1,500 a month, which would be easy to cover if you're receiving Social Security or a pension.
Groceries, especially fresh produce, are cheaper in Chile. A nice, three-course meal for two goes for $40 to $45, and a one-bedroom apartment rents for around $400 outside of Santiago or under $300 on the outskirts of Valparaiso, says Numbeo.
If you'd like to retire in Chile, first enter the country on a regular tourist visa, and then apply to upgrade to a retirement or income visa while you’re there.
Once you’re approved for a temporary visa, you’ll need to apply for a Rol Único Tributario (RUT) number, which is similar to a Social Security number. This ID number is necessary to open a bank account, sign up for phone and internet services, and much more.
The government doesn’t specify an income requirement, but you’ll typically need an income of at least $1,000 per person to get by for the first year or two as you settle in the country, says the Spencer Global law firm in Chile.
Permanent residency requires you to live in Chile for 180 days per year.
Given its sunny climate and the freedom of mobility within the European Union, Spain is a dream retirement destination and a convenient base for travel and adventure.
The cost of living varies among Spanish cities, with Barcelona, Bilbao and Madrid among the priciest. A more affordable option is Valencia, which has plenty of sun, culture and ancient Roman ruins — and is close to even more amazing historic sites in Córdoba and Granada.
The average rent on a one-bedroom apartment in Valencia is about $675. You’ll find comparable prices in the coastal city of Málaga, known for its pristine beaches and Moorish history, or in the city of Murcia, located in a quiet wine region.
Spain’s public health system offers high-quality health care, while affordable private care also is readily available.
To live out your retirement in Spain, you’ll need to show proof of a minimum income of $2,500 per month or $30,000 per year. You’ll also need to secure housing and sign up for health insurance that will cover you in Spain.
From the U.S., you'll need to fill out the necessary paperwork and submit it to the nearest Spanish consulate.
It's recommended that you make several photocopies of your documentation and buy extra passport-sized photos. You'll need those once you get to Spain in order to obtain a foreign visitor number, known as the NIE.
The ID number is your ticket to getting a bank account, internet, health care and most other services in Spain.
Portugal is even more affordable than Spain, and it has all the castles, beaches, wineries and golf you could want, to fill your retirement schedule.
Public transit and train lines make it easy to travel in and between Portugal’s interesting cities. For longer distances, you can rent a car or use a ride-hailing service like Uber.
Apartment rents start at just $375 a month in smaller cities — although you could easily be charged $1,000 in Lisbon. Restaurants are very affordable, with a meal costing less than $10 per person and a mid-range bottle of wine just $5, even in Lisbon.
Most doctors in large cities speak English, and international retirees will benefit from having private insurance.
The first step to getting a residence permit is to visit a Portuguese consulate in the U.S. with your passport, proof of income and health insurance, plus the results of a criminal background check.
The next step will be to apply for permanent residency once you arrive in Portugal.
Since the cost of living varies so much between parts of Portugal, the amount of income you'll need to live comfortably will depend on your destination. But to retire on $200,000, you'll probably want to rule out Lisbon.
Uruguay is a politically stable haven in South America. With its modern infrastructure, lovely mountains and beaches, revelry-filled summers and quiet, temperate winters, you can enjoy your retirement at your own pace.
A couple from the U.S. could live comfortably on just $2,000 per month. For the best price-to-quality ratio, it's estimated you could live on as little as $800 a month in the city of Salto.
If you like the beach, then Atlantida, Piriapolis and La Barra are all affordable seaside towns. In La Barra, you can buy a home starting at $50,000 or rent one for $500 to $700 a month.
Uruguay offers three main health care options:private health-insurance companies; a public health care system; and private hospital membership plans. Those plans, called mutualistas , cost about $100 a month and are popular with expats.
One option to retire in Uruguay is to apply for the rentista visa.
To get one, a single applicant should have a monthly income of about $1,500, plus enough money to cover any dependents.
Uruguay also has a retirement visa that will allow you to import a car and household items duty free, and even apply for a Uruguayan passport.
This visa also has some potential restrictions, so it’s best to contact a Uruguayan lawyer to help you apply.
Costa Rica is one of the most popular retirement destinations for Americans thanks to its breathtaking scenery, affordable and healthy lifestyle, and welcoming people.
In temperate San José and the Central Valley, a couple can live well on $2,000, with an airport, shopping and hospitals nearby. The Nicoya Peninsula offers beach life on a budget, while the city of Atenas has all the amenities you’ll ever need.
In Atenas, a three-bedroom apartment rents for a little over $400, Numbeo says, and a three-course dinner for two costs just $25.
Health care also is affordable in Atenas, which has a public health clinic, pharmacy and emergency room. Some expats choose to pay $75 to $150 for full coverage under Costa Rica's national public health insurance system known as Caja.
Retirees receiving pensions of $1,000 per month can gain a one-year residency under Costa Rica’s pensionado program.
A married couple need to receive only $1,000 in pension income under either spouse’s name. After three years of temporary residency, you can apply for permanent residency.
If you don’t have a pension, you might qualify for the rentista program. You’ll need to prove you will receive $2,500 per month of unearned income for two years, so that you won't need a job in Costa Rica.
The most common way to comply is with a letter showing that you have $60,000 in a bank account and intend to withdraw $2,500 per month for 24 months.
Our top choice, Panama, has it all:bustling city life; a beautiful, ecologically diverse climate; quality medical care; and the iconic Panama Canal. Most people speak English as their second language, after Spanish.
Located just a short flight from Miami and close to the Caribbean, this Central American nation is a great base for traveling throughout the region.
Panama City is surprisingly affordable:Renting a one-bedroom apartment in the city center costs about $960 a month, while the same size living space farther out goes for about $625 a month.
You can save some money by living without a car. The city is very walkable, and public transportation costs a one-time fee of $2 for a rechargeable card and then just 35 cents per ride.
Panama has an amazing retirement (pensionado ) program that subsidizes medical care and expenses, property taxes and car taxes, and offers many other benefits for retirees of any age 。
To gain residency, all you need is proof that you're receiving a minimum $1,000 monthly pension from back in your home country.
With all these perks, it’s hard to find a reason not to retire in Panama!
More: Personal Capital offers free financial and money management tools so you can retire with control and comfort.