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Retirement abroad: Where to emigrate and enjoy life?
Dreaming of a relaxing retirement under the sun? Many retirees are drawn abroad. But where to emigrate with your pension? Discover the best countries and learn how GoMovin can support you with your international relocation. For stress-free planning and execution of your move, contact us.
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Dreaming of a relaxing retirement under the sun? Many retirees are drawn abroad. But where to emigrate with your pension? Discover the best countries and learn how GoMovin can support you with your international relocation. For stress-free planning and execution of your move, contact us.
Dreaming of a relaxing retirement under the sun? Many retirees are drawn abroad. But where to emigrate with your pension? Discover the best countries and learn how GoMovin can support you with your international relocation. For stress-free planning and execution of your move, contact us.
Dreaming of a relaxing retirement under the sun? Many retirees are drawn abroad. But where to emigrate with your pension? Discover the best countries and learn how GoMovin can support you with your international relocation. For stress-free planning and execution of your move, contact us.
Discover how to make the most of your pension abroad. We present the most popular destinations and provide valuable tips for your planning.
Retirement is a time that many people work towards. But what if this phase of life is not meant to take place in Germany, but under the sun of Spain, in the exotic surroundings of Thailand, or amidst the nature of Costa Rica? Emigrating as a retiree is becoming increasingly popular. We at GoMovin understand this desire for change and support you in realising your dream of retiring abroad. With our expertise in relocation, we make your move as stress-free and efficient as possible. Discover which countries are particularly attractive and what aspects you should consider in your planning.
Many German retirees are drawn abroad because they expect lower living costs, a more pleasant climate, or even tax benefits. The decision for a particular country depends on individual preferences and financial possibilities. While some prefer the proximity and culture of Europe, others are drawn to distant locations where they can discover a whole new way of life. GoMovin offers you an all-in-one solution for international moves, including personal advice, legal support, and much more, allowing you to look forward to your new phase of life with ease.
Careful planning is crucial for a successful retirement abroad. This includes not only choosing the right country but also settling financial matters, securing health insurance, and organising the move. We at GoMovin are at your side with our comprehensive service and help you to consider all important aspects. From finding a home to integrating into your new surroundings – we are your reliable partner. Find out now how you can make the most of your pension abroad.
Full Pension Abroad: How to Ensure Smooth Payments
An important aspect of planning retirement abroad is the issue of pension payments. The general rule is: If you move to an EU/EFTA state, you will receive your full pension without reductions. This is ensured by the social security agreements within the European Union. However, the situation is different if you move to a country with which Germany has no social security agreement. In this case, there may be restrictions on pension payments. It is therefore advisable to obtain precise information in advance and, if necessary, seek advice. The German Pension Insurance offers detailed information on this.
Your pension payment abroad is usually made by bank transfer. This is possible worldwide, but you should be aware of any fees, which can vary depending on the country and bank. An alternative to bank transfer is payment by cheque, which can, however, involve delays and additional fees. To ensure that your pension payment goes smoothly, it is important to inform the pension service of your current address and bank details. GoMovin is happy to support you in organising your move and helps you complete all the necessary formalities.
An indispensable part for pensioners abroad is the proof of life. This serves as an annual verification that you are still alive and thus continue to be entitled to your pension. The pension service usually sends you the proof of life automatically. However, there are exceptions for countries with which Germany has a data agreement. In this case, no separate proof of life is required. Remember to notify the pension service at least two months before your move to ensure uninterrupted payment of your pension.
Top destinations for retirees: Find your personal paradise
Choosing the right country is crucial for a fulfilling retirement abroad. Europe offers classic favourites like Austria and Switzerland, which are particularly popular due to their proximity and similar culture. However, Southern European countries such as Spain, Greece, Portugal, and Italy are also very popular, primarily because of their pleasant climate and lower cost of living. If you prefer something more exotic, Thailand or the Philippines in Asia could be an interesting alternative, with low costs and a fascinating culture. In Latin America, Panama, Costa Rica, and Ecuador are popular destinations, admired for their climate and relaxed lifestyle. The popularity of individual countries can, however, change over time.
Currently, the USA and Canada are less popular, primarily due to high living costs. When choosing your personal paradise, you should not only consider the costs but also your individual needs and desires. For example, do you want to stay close to family and friends? Or do you value good medical care? The language and culture of the country also play an important role. GoMovin supports you in finding accommodation and helps you settle into your new environment.
To help you make your decision, we have compiled a list of some of the most popular countries for German retirees:
Spain: Popular for its climate, culture, and infrastructure.
Portugal: Attractive due to climate, cost of living, and safety.
Thailand: Attractive due to low costs, but visa regulations should be considered.
This list is, of course, not exhaustive, and there are many other countries that could be suitable for your retirement. Let us advise you and find your personal paradise!
Keeping Your Finances in Check: How to Optimise Your Pension Abroad
The financial aspects play a crucial role in planning your retirement abroad. The cost of living significantly influences the choice of the country to move to. Countries like Portugal, Spain, Bulgaria, Romania, Georgia, Malaysia, and Ecuador offer a much lower cost of living than Germany. This allows you to enjoy a comfortable lifestyle on your pension. However, it's important to thoroughly investigate the costs for rent, food, transport, and medical care beforehand. The cost of living can vary based on the region and lifestyle.
You should also not overlook the tax considerations. Depending on the country and double taxation agreements (DTA), there can be different regulations concerning the taxation of your pension. In some countries, there are even tax advantages for retirees. Greece, for example, offers a flat income tax rate of 7% for 15 years. Spain, on the other hand, taxes up to 5% of German pensions (from 2025). It's advisable to seek advice from a tax consultant in advance to find the optimal solution for your individual situation. The tax rules can be complex.
Another important aspect is health and long-term care insurance abroad. It is absolutely essential to take out foreign health insurance to be covered in the event of illness. Check the validity of your existing insurance and get informed about the benefits covered abroad. For seniors, long-term care insurance is also a significant issue. Determine whether your care insurance is valid abroad and what benefits you can claim. GoMovin supports you in organising your insurances and helps you find the right solution.
Retirement Checklist: How to Successfully Start Abroad
Careful planning is key for a successful start to retirement abroad. Start preparing early, ideally at least two months before your planned move. Notify the pension service, your health insurance provider, and other important institutions about your relocation. This ensures that your pension payments and insurance benefits continue smoothly. GoMovin offers you a comprehensive checklist to help you organise all the necessary steps.
A trial stay in the destination country is highly recommended. Ideally, spend an extended period (e.g., 6 months) in the country where you plan to retire. This allows you to get to know the living conditions, culture, and local people and determine if you truly feel comfortable there. Pay attention to aspects such as the climate, medical care, infrastructure, and leisure activities. A trial stay helps you avoid wrong decisions and ensures you make the right choice. The recommendation of a trial stay is given by many experts.
Ensure that all important documents and formalities are completed. Familiarise yourself with the visa regulations and residence permits required for your stay in the destination country. Apply for a visa or residence permit if necessary. Register with the local registration office as soon as you have established your residence abroad. GoMovin supports you in organising all necessary documents and helps you complete all formalities. With our support, your move will be a breeze.
Overcoming Challenges: How to Achieve Successful Integration Abroad
Emigrating at an older age can come with some challenges. Language barriers and cultural differences can make integration difficult. Therefore, it is advisable to attend language courses in advance and familiarize yourself with the culture of the country. Participating in integration programs can also help you settle in faster. GoMovin offers you support with integration and helps you find your way in your new surroundings.
Social isolation and loneliness are additional challenges that can arise abroad. It is important to actively make social contacts and get involved in clubs or organizations. Contact with other emigrants can also help you feel less alone. GoMovin connects you with other German retirees abroad and helps you build a social network.
The healthcare abroad can also present a challenge. Inform yourself in advance about the quality and costs of medical care in your destination country. Take out foreign health insurance that covers all important services. Clarify what to do in the event of an unexpected return to Germany. Ensure you have financial reserves, valid health insurance, and support from family or friends. GoMovin supports you in organizing your medical care and helps you to receive assistance quickly and easily in an emergency.
Countries in Comparison: Find the Perfect Destination for Your Retirement
Selecting the right country is crucial for a fulfilling retirement abroad. In Europe, there are many affordable and livable options. Portugal is attractive for its pleasant climate, low cost of living, and high level of safety. Spain is popular due to its climate, culture, and good infrastructure. Greece is appealing for its climate, culture, and tax advantages for retirees. Each of these countries offers unique benefits tailored to different needs.
Overseas, there are exotic alternatives with pros and cons. Thailand attracts with low costs, but you should consider the visa regulations. Costa Rica is renowned for its environmental awareness and good healthcare system. Panama is appealing for its visa regulations and relaxed lifestyle. The choice of a specific country depends on your personal preferences and priorities. It is important to weigh all aspects carefully before making a decision. The evaluation of potential destinations involves many factors.
To assist you in making a decision, we have created a table with a detailed country comparison:
Portugal: Affordable cost of living, mild climate, high safety.
Spain: Diverse culture, good infrastructure, pleasant climate.
Greece: Fascinating history, low taxes for retirees, hospitable people.
This table is intended to give you an initial overview. We are happy to provide individual advice.
Safe into Retirement: GoMovin guides you abroad
A fulfilling retirement abroad is possible with the right preparation. Careful financial planning, comprehensive health insurance, successful social integration, and an extensive trial stay are key to success. Consider your personal needs and desires when choosing your destination country. The decision to live abroad should be well thought out. With GoMovin by your side, you can look forward to your new phase of life with ease.
Retiring abroad is becoming increasingly popular. More and more German pensioners are heading abroad to spend their retirement years in the sun. This trend is expected to increase in the future. It is important to adapt to the changed living conditions and needs. GoMovin supports you in realising your dream of retiring abroad. We offer you comprehensive advice and a personal service tailored to your individual needs. Careful planning is crucial for success.
Are you ready for your dream retirement abroad? At GoMovin, we are happy to help you make this dream a reality. With our many years of experience in the field of relocation, we are your reliable partner for all questions related to emigration. From planning to implementation – we are here to assist you every step of the way. Contact us today for a non-binding consultation and let our experts inform you about the possibilities. Together we will find the perfect solution for your individual needs. Also, visit our Contact page to learn more.
Further useful links
The Deutsche Rentenversicherung provides detailed information about pension payments abroad and the associated formalities.
FAQ
Welche Länder sind besonders attraktiv für deutsche Rentner, die auswandern möchten?
Länder wie Portugal, Spanien, Thailand, Costa Rica und Panama sind aufgrund ihrer niedrigeren Lebenshaltungskosten, des angenehmen Klimas und potenzieller Steuervorteile besonders beliebt. Die Wahl hängt von Ihren individuellen Präferenzen und finanziellen Möglichkeiten ab.
How does moving to another country affect my pension payments?
If you move to an EU/EFTA country, you will generally receive your full pension without cuts. Moving to a country that does not have a social security agreement with Germany may result in limitations. It is advisable to consult the German Pension Insurance in advance.
What financial aspects should I consider when planning my retirement abroad?
Consider the cost of living (rent, food, transportation, healthcare), the tax regulations (double taxation agreements), and the health and long-term care insurance abroad. Careful planning and advice are essential.
How can GoMovin support me in retiring abroad?
GoMovin offers an all-in-one solution for international relocations, including personal consultation, legal assistance, property services, and cultural integration. We help you organize your move and handle all necessary formalities.
What is a life certificate and why do I need it?
The life certificate is an annual proof that you are still alive and thus continue to be entitled to your pension. The pension service usually sends you the life certificate automatically.
How far in advance should I plan my move abroad?
Ideally, start your preparations at least two months before your planned move. Notify the pension service, your health insurance, and other important institutions about your move.
Is a trial stay in the destination country advisable?
Yes, a trial stay in the destination country is highly recommended. Spend ideally a longer period (e.g., 6 months) in the country to get to know the living conditions, culture, and people on-site.
What role does health insurance play when retiring abroad?
An international health insurance is essential to be covered in case of illness. Check the validity of your existing insurance and get information about the benefits covered abroad. Also, clarify the validity of your long-term care insurance abroad.
