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Retire abroad: Your dream of a worry-free retirement in a foreign country
Are you dreaming of a relaxing retirement under the sun? Many retirees move abroad to enjoy their pension with lower living costs. But what needs to be considered when retiring abroad? Find out now about the most important aspects and plan your move carefully. We are available for comprehensive advice. Please contact us.
The topic short and concise
Are you dreaming of a relaxing retirement under the sun? Many retirees move abroad to enjoy their pension with lower living costs. But what needs to be considered when retiring abroad? Find out now about the most important aspects and plan your move carefully. We are available for comprehensive advice. Please contact us.
Are you dreaming of a relaxing retirement under the sun? Many retirees move abroad to enjoy their pension with lower living costs. But what needs to be considered when retiring abroad? Find out now about the most important aspects and plan your move carefully. We are available for comprehensive advice. Please contact us.
Are you dreaming of a relaxing retirement under the sun? Many retirees move abroad to enjoy their pension with lower living costs. But what needs to be considered when retiring abroad? Find out now about the most important aspects and plan your move carefully. We are available for comprehensive advice. Please contact us.
Find out how to receive your pension abroad, which countries are particularly suitable, and which pitfalls you should avoid. We'll show you how to make your dream of retiring abroad come true!
More and more German pensioners are moving abroad to spend their retirement in the sunshine. The reasons are varied: lower cost of living, a more pleasant climate or the desire for a new phase of life. The idea of emigrating with a pension and leading a carefree life is an attractive goal for many seniors. However, before you pack your bags, there are some important aspects to consider. Careful planning is essential to successfully fulfil your dream of retirement abroad.
Before you take the plunge, you should thoroughly familiarise yourself with the legal and financial framework. This includes detailed financial planning, clarification of healthcare provision and dealing with cultural and language barriers. You should also consider social contacts and potential isolation. A "financial check-up", as recommended in an article by deutsche-im-ausland.org, is essential in order to realistically assess your income and expenditure.
We at GoMovin understand that planning an international move can be complex. That's why we offer you comprehensive relocation assistance tailored to your individual needs. We support you every step of the way, from the initial consultation to successful integration in your new home. This way, you can enjoy your retirement abroad with peace of mind. Find out more about the increasing popularity of retiring abroad and the key aspects you should consider before emigrating.
Pension Abroad: Ensure Full Payout and Optimise Taxes
A central aspect of planning your retirement abroad is the question of pension payments. Basically, your pension is paid in full within the EU, the EEA, and Switzerland, as well as in countries with which Germany has a social security agreement. This is also confirmed by Capital.de in an article. Outside these areas, cuts may occur, especially with disability pensions. It is therefore advisable to obtain information in advance from the German Pension Insurance (DRV).
The tax treatment of your pension also changes if you move abroad permanently. Generally, you will then be subject to limited tax liability in Germany, which may mean the loss of tax allowances. To avoid double taxation, you should consider the double taxation agreements between Germany and your destination country. Professional tax advice is essential here to optimize your tax burden. The Volksbank Raiffeisenbank points out that the Neubrandenburg tax office is responsible for the taxation of pensions abroad.
If you have a Riester pension or a Wohn-Riester contract, there are also special considerations. Since 2009, the Riester pension is tax-free within the EU. The Wohn-Riester can even be used to finance owner-occupied residential property in the EU. Gather information in good time about the impacts on your contracts to avoid unpleasant surprises. We at GoMovin are happy to assist you in clarifying these complex issues. Benefit from our expertise in the areas of insurance and dealing with authorities.
Health in Old Age: How to Secure Your Health Insurance Abroad
Krankenversicherung is a central topic if you wish to retire abroad. Within the EU, EEA, and Switzerland, you have access to healthcare with the S1 form. Your German statutory health insurance is often still valid, but services are limited to the local level. It's important to know that Reiseversicherung.com indicates that services are limited to what locally insured individuals are entitled to.
Outside the EU/EEA, you need private international health insurance. These policies often have age restrictions and exclude pre-existing conditions. An option for comprehensive, long-term coverage is Globality, which can also cover pre-existing conditions and offer an unlimited term. Maintaining an entitlement with your German statutory health insurance can be sensible to facilitate re-entry into the German system later. Note that Arag points out that independent health insurance is required for stays outside the EU.
We at GoMovin provide comprehensive advice on the various options and help you find the right health insurance for your needs. This way, you can enjoy your retirement abroad without worries. Remember that good healthcare is an important factor for your quality of life in old age. Also, learn about our services in the area of emigration and health insurance to be optimally prepared.
Top destinations: These countries are popular among German retirees
The choice of the right destination country is crucial for a successful retirement abroad. Europe remains very popular, particularly countries such as Poland, Czech Republic, Hungary, Austria, and Spain. These countries offer good healthcare and lower living costs compared to Germany. However, Switzerland, France, and Italy are also attractive due to their familiarity and lifestyle.
Outside of Europe, Thailand and South Africa are gaining popularity. Thailand offers a retirement visa with a minimum pension requirement, while South Africa requires a residency permit with proof of income. Spiegel reports that European countries like Austria and Switzerland are the most popular destinations. However, you should also consider climate change. Southern countries are increasingly affected by heatwaves, while Scandinavia, Switzerland, and Singapore are seen as more climate-friendly alternatives.
We at GoMovin help you find the right destination country for your individual needs. We take into account your financial situation, health requirements, and personal preferences. Also, check out our articles on popular destinations for retirees and emigrating with a low pension to make the best choice for your retirement.
Moving safely: Financial planning and residence law in focus
Sound financial planning is the foundation for a successful retirement abroad. Create a detailed budget overview that compares your income and expenses. Seek professional advice to optimise your financial situation. Residency regulations are also crucial. As an EU citizen, you enjoy free movement, provided you have adequate health insurance and sufficient income. Non-EU citizens may face restrictions.
Before your move, you should complete some practical steps. This includes having a valid ID or passport, proof of health insurance, and proof of financial independence. After three months, you must register your residence. It's advisable to visit the country in advance, ideally for longer stays, to get to know the country and living conditions. MLP recommends checking the cost of living, infrastructure, safety, and healthcare standards before moving.
At GoMovin, we support you with all practical steps and administrative procedures. We help you gather the necessary documents and complete the formalities. This way, you can look forward to your new chapter with ease. Learn more about our administrative services and how we can make your move easier.
Minimising Risks: Securing Social Isolation and Healthcare
Even though retiring abroad offers many advantages, there are also challenges and risks you should be aware of. This includes social isolation, which can arise from a lack of social contacts and language barriers. It is important to build a social network early on and learn the local language. The quality of healthcare in the destination country can also be an issue. Make sure to thoroughly research the medical services and access to doctors and hospitals.
Bureaucracy and administrative procedures can also pose a hurdle. Language skills are essential here to navigate the different laws and regulations. It's also wise to keep the option of returning to Germany open. Having a pre-arrangement with health insurance can facilitate access to the German healthcare system should you decide to return. The deutsche-im-ausland.org emphasises the importance of keeping the option to return to Germany open.
We at GoMovin support you in overcoming these challenges. We help you establish social contacts, find language courses, and navigate bureaucracy. This way, you can enjoy your retirement abroad safely and worry-free. Find out more about our services in the area of retiring abroad to be optimally prepared.
Emigration Checklist: Step by Step to Your Dream Life
To ease the planning of your retirement emigration, we have prepared a checklist:
Before emigrating
Inform the pension insurance: Notify your move to the pension insurance at least three months in advance.
Provide IBAN and BIC: Submit your bank account details for pension payments.
Clarify health insurance: Get information about your health insurance abroad.
Seek tax advice: Obtain tax advice to optimize your tax burden.
Prepare life certificate: Learn about the requirements for the life certificate.
After emigrating
Register residence: Register your residence in the destination country.
Take out health insurance: Arrange for health insurance if required.
Submit regular life certificate: Regularly submit the life certificate.
The Volksbank Raiffeisenbank recommends informing the pension insurance three months before moving and providing IBAN and BIC. We at GoMovin support you in implementing this checklist. We help you carry out the necessary steps and complete the formalities. This way, you can enjoy your retirement abroad with peace of mind.
Conclusion: Emigrating with a Pension – Achieve Success with GoMovin
Emigrating with a pension is a decision that requires careful consideration. Careful planning is crucial to successfully fulfilling your dream of retiring abroad. Consider financial aspects, healthcare, and social integration. Weigh up the pros and cons of various destination countries and seek professional support. The trend of retiring abroad will continue, so it is important to remain flexible and adaptable.
We at GoMovin are here to support you as a competent partner. We offer comprehensive relocation assistance tailored to your individual needs. From the initial consultation to successful integration into your new home, we support you every step of the way. This way, you can enjoy your retirement abroad with peace of mind. Also, find out more about our articles on health insurance abroad and popular destinations for retirees to be optimally prepared.
The dream of a carefree retirement abroad can become a reality. With the right planning and our support, nothing stands in the way of your new chapter in life. Emigrate with a pension – we help you make it happen!
Government subsidies and our expertise provide you with the opportunity to arrange your move abroad without worry. Whether it is planning, organising, or executing, we are by your side to realise your dream of emigrating in retirement.
By choosing GoMovin, you are investing in a stress-free future abroad. We support you not only with organisational aspects but also with integration into your new home.
Now is the perfect time to put your plans into action. Contact us today to start your individual consultation and realise your dream of emigrating with a pension. We look forward to accompanying you on this exciting journey!
Further useful links
The Deutsche im Ausland e.V. provides information and advice for Germans living abroad or planning to emigrate, including topics such as retirement and financial planning.
The Deutsche Rentenversicherung (DRV) offers comprehensive information on pension payments abroad and social security agreements.
The Volksbank Raiffeisenbank provides information on tax aspects of pensions abroad and the jurisdiction of the Neubrandenburg tax office.
ARAG points out that independent health insurance is required for stays outside the EU.
Der Spiegel reports on popular destinations for German retirees abroad, also considering aspects of climate change.
MLP offers tips on what retirees should consider before moving abroad, including living costs and healthcare standards.
FAQ
Which countries are particularly attractive for German retirees to emigrate to?
Countries like Spain, Poland, Czech Republic, Hungary, and Austria are popular due to lower living costs and good healthcare services. Thailand and South Africa are also gaining popularity.
Will my pension be paid in full while living abroad?
Within the EU, EEA, and Switzerland, as well as in countries with social security agreements, your pension is generally paid in full. Outside these areas, reductions may occur.
What should I consider regarding my health insurance when retiring abroad?
Within the EU/EEA, you have access to healthcare with the S1 form. Outside, you will need private international health insurance or local coverage.
How does moving abroad affect my tax liability?
Generally, you will then be subject to limited tax liability in Germany, which may mean the loss of tax allowances. Double taxation agreements might be relevant.
What happens to my Riester pension if I emigrate?
Since 2009, the Riester pension within the EU is tax-free. The Wohn-Riester can even be used to finance self-used residential property in the EU.
What documents do I need for emigration as a retiree?
You will need a valid ID or passport, proof of health insurance coverage, and proof of financial independence.
How can I avoid social isolation abroad?
It is important to build a social network early and learn the local language. Join local clubs or seek contact with other expats.
Where can I find support in planning my retirement move abroad?
GoMovin offers comprehensive relocation support tailored to your individual needs. We assist you in all steps, from initial consultation to successful integration.
