Where Should You Retire?

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When you are piecing together your retirement plan, you may be finding that retirement in a new country may be right for you. If you are still trying to figure it out, this may be the nudge you need to help you make the leap to a retirement in a different nation. No matter the reason you are here, let us explore the best places for you to spend your retirement abroad.

What makes for a good retirement destination? That’s really up to you. Many countries offer a lower cost of living so your retirement savings can go farther. Others have an exceptional banking system that can help manage and grow your wealth while seeking tax advantages and remaining compliant.

As an added perk, it is often very easy for retirees to earn residency in other nations. Depending on their individual laws and regulations, some countries have residency programs specifically for retired people that only require you to prove sufficient funds for living in the country. Others grant residency through investment including real estate. This means you may be able to earn residency by simply buying the home in which you will spend your retirement.

Here are some of the best places for you to retire. Whether you are looking to save money or grow your wealth, we feel you may find your new home on this list.


Switzerland is a prosperous nation that has a per capita GDP that is higher than most Western European nations. The economy is so strong that there is no national deficit. The Swiss income exceeds its expenses, so the currency is fully backed by a self-reliant economy. The country also boasts low unemployment, high per capita income, and a popular banking destination utilized worldwide.

Because the Swiss economy is strong, the Swiss franc has been one of the strongest currencies for investors looking to make money through the forex market.

There are many benefits of the Swiss franc as an investment option. The small country has a small population that takes advantage of its natural resources. There are limited investments required for production and agriculture that support the strong economy.

As one of the most sought-after countries to live in, it is even more exciting to know that there is a residency-by-investment program. With Swiss residency, investors are offered visa-free travel within Europe, privacy and freedom, and a picturesque destination for wealthy retirees and families.

If you choose to gain residency via investment, you must prove they have at least USD 1 million at their disposal before applying. The investor can gain the residency permit by either creating a Swiss company or paying a lump sum taxation (LST) fee that is roughly USD 170,000 or CHF 150,000.


The Principality of Monaco is a small city-state, at less than a square mile, located on the French Riviera in Western Europe. Monaco may be the world’s smallest country, but it has so much to offer. As one of the top destinations for wealthy travelers, the country is known for a strong banking system. Whether you want to make the country your new home or just need a place to keep your money secure, Monaco can do the trick.

Monaco has been considered a low-cost jurisdiction for years, only adding to the list of reasons why retirement here would be ideal. The country completely did away with income tax way back in 1869. This makes Monaco Europe’s only sovereign zero-tax jurisdiction.

Monaco’s residency-by-investment program allows individuals to gain citizenship by investing at least €500,000 into a property and place an additional €500,000 deposit into a bank account in Monaco.


If you are looking for inexpensive residency in the European Union, Portugal’s Golden Visa is the way to go. With an investment in real estate of 500,000 euro or more, you can receive the golden visa. After six years of the visa, you can receive a Portuguese passport, granting you easy travel and work opportunities throughout the EU.

If real estate isn’t for you, you can also deposit 1 million euro into a local, Portuguese bank instead.

Portugal is beautiful and offers exponential cultural experiences as well as delicious food!


Do you want a relaxed and sunny retirement? Then this next country may be right for you. When it comes to cost of living, Belize has one of the lowest – a life in Belize could literally be a walk on the beach and it won’t break the bank. You can live comfortably with just a couple thousand dollars a month!

Unfortunately, the formal residency-by-investment program was suspended in 2002, but there are other ways an investor can gain residency in the country. One is by establishing a business with the Belize Country Registrar. After doing so, the investor can apply for permanent residency after one year.

The retired person program for residency is also one of the most popular in the world. By proving a $24,000 yearly salary, an individual and their family can qualify for residency in Belize.

Alpen Partners

Your wealth is important. If you are serious about your life goals, financial planning and investments are probably important to you. Financial planning can involve many steps from tax optimization to asset protection. Different investments have different rules with different returns.

With the help of financial planning, you will be able to predict where you will be in the years to come by evaluating where you are currently, what sources of income you plan to have in the future, investments you plan to make, and your retirement plans.

Alpen Partners Wealth Management International AG, the sister company of Alpen Partners AG, is now a registered investment advisor with the U.S. Securities and Exchange Commission (SEC). Together with our partner Swiss private banks, our company can now offer the full Swiss private banking experience to American clients, both resident and non-resident.

Interested? Contact us now


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