Where is life better in retirement? Where to live in retirement? Best Places

Many citizens Russian Federation are already thinking in advance: in which country is it better for them to spend the most beautiful part of their lives? Yes. You are not wrong, we are talking about pensions! For most pensioners, the measure of well-being is precisely the size of the pension they receive.

However, Russian pensioners leaving for permanent residence should not forget that they have the right to receive both their domestic pension and that foreign one. Unless, of course, there is a documented legislative agreement between the states.

Of course, the size of the pension matters. However, social and medical care for pensioners is no less important. For example, neither in Russia nor in Europe is there a unified system of social medical care population. What makes pensioners, and this social group most often seek help from these organizations, pay additional funds for the maintenance of nurses or the help of nurses.

However, first things first.

IN Russia retirement age causes fear in many citizens. Even the majority, because most of the population receives beggarly pensions, which go only to pay for utilities, especially if we talk about the capital region, and for food, without frills, of course. So, the Russian standard pensioner will not allow himself sea ​​cruise for low-income older people or traveling around Europe. Yes, and in Sochi it is difficult to see pensioners on vacation, although our resort center. It must, of course, be said that the size of Russian pensions causes envy only among Ukrainian pensioners, who only have enough to “eat”. However, the size of pensions in Russia did not decrease, but on the contrary, slightly, but increased during the crisis. This allowed the government to talk about raising pensions.

For example, in Poland the average (without additional payments and increases) pension is enough for a not comfortable life in the most expensive metropolitan area, including Warsaw. Moreover, in Poland there is no law prohibiting working in retirement. Therefore, some of the citizens of retirement age can continue to work for the good of the Motherland, increasing their well-being. However, even without this, the social reforms of the Poles allow pensioners to enjoy decent discounts and benefits in the field of medicine, the purchase of medicines and others. So Polish pensioners can freely relax not only on the territory of their state, but also in Europe.

And here is USA. Here, pensioners are not provided with special benefits and discounts. But America is a country where life is cheaper and easier in itself. The system of discounts operates in stores all the time, food prices practically do not increase, and social services for the population are much cheaper. The amount of an American's pension depends on how well he has worked in his entire life. The initial starting amount of payments is from 300 dollars. And this is for those who have never worked for the benefit of the United States. The highest pensions are for civil servants, military, pilots and others. In general, American pensioners live differently, but everything is fine.

IN Finland, for example, there is a guaranteed stable minimum for pensioners - from $ 550. However, almost all Finns receive large pensions, depending on the length of service and the nature of the work. So, men on average have 1500-1600 dollars a month, and women 1200-1300 dollars. Moreover, the country has numerous half benefits and discounts on travel, medical care and visits to health centers for pensioners. In addition, every Finn has thrift in his character, which allows local pensioners to go on vacation to overseas countries or islands every year. Small, compared to ours, utility bills also save the pension budget. And the Finnish authorities create favorable conditions for the rest of their pensioners abroad. Yes, in many resort countries special Finnish organizations have been created that create local sanatoriums or dispensaries for pensioners in Finland. Those only come to rest in the specified place, deducting in advance the amount necessary for rest and maintenance from the pension. And I must say that nursing homes for the Finns are not wildness, but in the order of things. Many children, with the consent of their parents, leave their loved ones in such institutions, constantly visiting them. That's just the conditions of Finnish nursing homes are significantly different from ours.

IN Hungary pensioners are quite satisfied with their income and standard of living. The pension is enough to pay utility bills, buy a fairly wide ration of food, and also to “save”, which in a year may well turn into a modest, but good rest. Often, Hungarian pensioners work part-time on lighter jobs. In addition, medicine in Hungary is free, including the sale of medicines.

But Germany recognized as a country of pensioners. More than one-fourth of the population is over 65 years of age. A German pensioner who has not received pension experience receives a stable 350-400 euros, depending on the region. Moreover, this category of pensioners pay for utilities and housing. Emigrants also live, who are not provided with pension payments, but with social benefits. The average pension in Germany is about 800-870 euros. However, German pensioners are the most thoughtful. Most often, they live in private houses or rented premises. Since in Germany the rights of tenants are well protected and they are provided with excellent conditions for payment. Sometimes pensioners go on their own to "pension houses", where they are provided with round-the-clock medical and social care for a small fee. In general, German pensioners live better than other social groups. Not working, they can afford to rest up to two times a year. Of course, it will be budget Spain or Italy, or maybe native Germany, but still, because our people of retirement age cannot even go to Sochi.

Israel, as usual, has a pension accrual system different from other countries. Pension accruals here are divided into two types. The first are payments from the pension fund, the second are old-age pensions. Payments are made from monthly contributions, which are added to the old-age pension. Naturally, the old-age pension depends on the number of years worked. When the seniority of a pensioner does not reach the established limit, a citizen is credited with social benefits. And, of course, the system of benefits and discounts in Israel is also active and significant. Therefore, the life of Israeli pensioners can be called easy.

Spain… For many pensioners, this land has become a haven and a second home. But due to recent events and the impending wave of the global financial crisis, Spain has ceased to attract thousands of pensioners from Europe and Russia. However, it was the Spanish standard of living, the low cost of food and housing rent that became attractive and decisive in choosing a country for retirement. The average pension in Spain ranges from 850 euros to 950 euros. This amount of pension payments allows you to lead a comfortable life both in the outback and in major cities countries. The Spaniards create the most favorable conditions for the life of pensioners. This also applies to government agencies, which constantly add discounts and benefits to pensioners. In addition, the Spaniards two or three times a year can afford to rest on the seashore.

Forbes suggested the top 10 countries where a retiree should move to spend the rest of his days easily and pleasantly. The first question that should worry a future pensioner who decides to spend the next years in another country is the rules adopted here for managing finances and property.

The selection was made taking into account a wide range of criteria, ranging from security to obtaining a visa and conditions for medical care. The final list of the best includes: Austria, Thailand, Italy, Panama, Ireland, Australia, France, Malaysia, Spain and Canada.

Each country is interesting in its own way, but, unfortunately, perfect place does not exist. Some of the countries score high in some areas and low in others. For example, according to the Country Brand Index, Canada is the 2nd best country in the world to live in, but everyone knows the harsh weather this country. In Italy, where the climate is warm and the quality of life is high, you face complicated taxes and bureaucracy.

So if you are a sun worshiper and want to protect your hard earned assets from government overprotection Western countries, it's time for you to consider such countries as Panama or Malaysia. If you are a middle-class person and gravitate towards countries with a high culture, old Europe has a lot of surprises in store for you. In Ireland, for example, the income tax rate is 43%, but after the age of 65, pensioners may not pay tax at all if the total income of the pension couple does not exceed $59,000.

If you don't have a lot of money to live in European city, you can consider a village life option or an alternative option like Thailand, where even a small income will allow you to maintain an excellent quality of life.

Top 10 countries for retirees

Austria

elegant architecture and classical music. Vienna offers the highest quality of life in the world, according to Mercer research, with health insurers pointing to world-class private clinics. Austria also has something to offer those who love mountains and country life. In general, Switzerland is less expensive.

Of the minuses: there is no habit of enjoying life, as in Mediterranean countries, all restrained and cool.

Thailand

Retirees are warmly welcomed here. Ideal for tight budgets. Thailand has everything from bungalows on the shores of the blue lagoons to the hustle and bustle of Bangkok. Among Asian countries here the best ratio of quality of health care and prices, but good private hospitals are located mainly in Bangkok.

Of the minuses: unpredictable policy.

Italy

Here they can and love to enjoy life. Pasta, ancient ruins and chatty neighbors are known to all. Less well known is the fact that in Italy one of the best systems healthcare in the world.

Cons: bureaucracy.

Panama

Panama has almost everything: year-round sunshine, low taxes, quality private hospitals, beautiful rainforests and even the dollar economy. The capital of Panama is considered one of the safest of all Central American cities. In general, almost all the "charms" of the developed world.

Cons: corruption.

Ireland

Low taxes and many "bonuses" for the elderly make Ireland very attractive. Modern Dublin is complemented by stunning countryside and stunning coastline in the West. The capital is within two hours from anywhere in the country.

Cons: difficulties associated with the economic downturn in this country. The value of Ireland has fallen somewhat with the onset of the financial crisis.

Australia

The best place in the world to live, according to the Country Brand Index. Top quality cities at the lowest cost of living, says Mercer. Cosmopolitan cities like Sydney and Greater barrier reef, deserts and first-class village farms - Australians have created a first world country with low Asian costs. Take a closer look at Melbourne, Adelaide and Perth.

Cons: Terribly far to fly.

France

Developed urban culture french cuisine, as well as one of the highest quality healthcare systems in the world. Paris is undoubtedly for the rich, but Brittany or Normandy are more affordable. Marseille, Lyon and Provence are also not bad.

Cons: bureaucracy.

Malaysia

An exotic mix of Chinese and Islamic culture, low prices, breathtaking beaches and an "Asian tax haven". All this makes Malaysia attractive not only for a pensioner with a modest budget, but also for the wealthier and younger. Kuala Lumpur is not the easiest place to live, but for health reasons, it is best to avoid living in an overly remote "paradise".

Cons: Racial tension and underdeveloped infrastructure.

Spain

All conveniences for pensioners yearning for the sun from distant northern countries.

Flamenco, bullfighting, a rich historical heritage, complemented by the support of contemporary artists, fashion designers and filmmakers. The coast is overpopulated and crowded with tourists, it is worth paying attention to the less “promoted” inland cities.

Cons: You have to “get used to” too long siestas

Canada

Cities from Vancouver to Montreal consistently rank among the best in the world in terms of quality of life and value for money. Friendly policy towards pensioners, decent medical care.

Cons: cold winters.

The living conditions of pensioners living in Slovakia are better than, for example, in the US or the UK, according to a survey conducted by Natixis Global Asset Management.

In the ranking of countries, which this company has compiled based on the assessment of the quality of life index of older citizens, Slovakia ranks eighteenth, after Czech Republic, according to the American news agency CNN.

The United States ranks nineteenth in this ranking, while the United Kingdom of Great Britain is only twentieth. The index assesses the quality of life of retirees in 150 countries around the world and is calculated on 20 indicators, such as life expectancy, per capita health care costs, affordability medical care etc.

The first ten positions in the ranking are occupied by representatives of countries Western Europe with quality health care and a developed system social security.
The first place is occupied by Norway, Switzerland was the second and the third - Luxembourg. This is followed by Sweden, Austria, Finland and the Netherlands. The top ten is closed by Denmark, Germany and France.

Pension rating:
1. Norway
2. Switzerland
3. Luxembourg
4. Sweden
5. Austria
6. Finland
7. Netherlands
8. Denmark
9. Germany
10. France
1.1 Australia
12. Israel
13. Canada
14. Belgium
15. Japan
16. Slovenia
17. Czech Republic
18. Slovak Republic
19. USA
20. UK
2.1 Italy
22. New Zealand
23. Iceland
24. Cyprus
2.5 Spain

The index was calculated on 20 indicators in four main categories: health, material well-being, quality of life and finances.

The countries of Europe, which are also affected by the crisis, have thought about how to attract investments related to the desire of people to immigrate. That is why special programs have been developed in Europe, according to which Russians are given a residence permit in exchange for the purchase of real estate.

At the same time, no one cancels the standard programs for obtaining a residence permit through large investments, in order to restore families or through marriage with a foreigner.

Statistics show that pensioners from Russia most often immigrate to countries:

• Greece
• Spain
• Portugal
• Bulgaria
• Latvia

Not a few Russians also choose Germany, France or the Czech Republic.

In fact, European countries can get money from Russia by pushing illiquid objects to gullible pensioners. In exchange for this, Russians receive the right to obtain a residence permit and, after a certain period of time, apply for citizenship.

Moreover, obtaining a residence permit is often not very difficult - it takes from two weeks to two months - most often you need to bring documents on property ownership, passports and pay a fee to the immigration authority.

Consider which countries pensioners from Russia immigrate to

Greece

Last year, Russians in Greece bought every third apartment or house. This is due to a significant drop in real estate prices in Greece and a very good attitude of the Greeks to the Russians.

Spain

In Spain, to obtain a residence permit, you also need to buy property for 250,000 euros. In Barcelona, ​​for this amount, you can buy a luxury apartment in the city center with three bedrooms and a spacious living room.

On the coast, in the Costa Bravo, you can buy a decent villa of 250 square meters with a plot of 10 acres for this money. The residence permit here is granted for five years. After that, if the applicant had no problems with the law, he is given permanent residence for 6 years, after this period, you can apply for citizenship.

In Spain, real estate prices began to rise. The demand of Russians has also become more active. Growth for last year amounted to 10%.

Portugal

Russians continue to buy property in Portugal. Real estate in Porto, Lisbon and the southern province of Algarve is in demand. The growth of real estate purchases by Russians amounted to 7% over the past year.

To get the right to immigrate here, you need to buy real estate for half a million euros. For this money you can buy a townhouse with three bedrooms with a large area - from 150 square meters, fully furnished on the first line from the sea. For the same amount, you can buy a villa of 250 square meters without finishing, but with a pool.

Cyprus

In Cyprus, to obtain a residence permit, you need to buy property for 300,000 euros. For this amount, you can get a two-bedroom apartment with an area of ​​​​under 80 square meters in a luxury residential complex. The apartments will be furnished and equipped.

Russians are mainly interested in villas and apartments in Limassol, Polis and Paphos. 60% of real estate purchases of Russians account for the purchase only for recreation. If the buyer purchases real estate worth 2,500,000 euros, he is given citizenship immediately.

This is how much a villa of 300 squares costs with its own pier, swimming pool and a large plot of land. However, the interest of Russians in buying property in Cyprus is constantly falling. The "tricks" of the Cypriot government, which nationalized deposits from banks, are affecting.

Bulgaria

Bulgaria traditionally provides a residence permit for pensioners - a special program has been developed. To get into this program, it is enough to buy real estate and prove that a person receives a pension. Moreover, the pension should be similar in size to the Bulgarian pensions.

In addition, you need to have 1,500 euros on your account and with such luggage you can get a residence permit and, in the future, citizenship. In general, housing prices in Bulgaria are very democratic - for example, a two-bedroom apartment near the sea can be bought for 50,000 euros.

Latvia:

The advantage of living in Latvia is that if in European countries, having bought real estate, you are obliged to live in the country for at least 183 days a year (otherwise you will lose the right to reside), then in Latvia such an order is not mandatory.

In Latvia, you can buy real estate, and generally do not appear here and not lose your residence permit. This document is given for five years, although it needs to be renewed annually. More recently, Latvia was the most popular country in Europe among Russians who want to buy real estate here and obtain a residence permit in a Schengen country. After all, it was enough to buy real estate here for 72,000 euros in any city except Jurmala and Riga.

Now the order has changed and in order to obtain a residence permit, you need to buy a property for 250,000 euros. The number of purchases of apartments and houses immediately fell by 75%. Real estate prices remained at the same levels. For example, for 250,000 euros you can buy a luxury apartment in the center of Riga.

To obtain a residence permit in Latvia, you need to pay 5% of the price of the purchased property to the budget.

There are people who would like to live in one city and one country all their lives. And there are those who dream of moving abroad in their old age. Their reasons are different. Someone dreams of the sea and the sun, someone is looking for best quality life. The most "advanced" are studying social security programs for retirees. So which country is better to choose?

Rating best destinations for retirement published a portal International Living. Analysts ranked 24 countries on several indicators, including cost of living, discounts for pensioners, climate and health systems.

Interestingly, the top lines of the list were "occupied" by Latin American and Central American countries. Of the representatives of the Old World, the Top 20 included Spain, Italy, Portugal, Malta and France.

Let's see for what "merits" prizes in the TOP-10 were awarded, and how much housing costs in best countries for a life in retirement.

Pensioners in Malta are attracted primarily by the climate. As many as 300 sunny days a year - for those who are tired of gloomy everyday life. Heat in Malta lasts until November. In addition, on the island, in addition to Maltese, English is officially used, which greatly facilitates communication with local residents and life at home.

It has a low cost of living compared to the rest of the Mediterranean. According to International Living correspondent Barbara Diggs, the two of you can live comfortably on $2,700 a month. A two-room apartment in the town of Sliema, for example, you can rent for $800 per month, and on the island of Gozo - for $600 per month. You can dine in a mid-range restaurant for $25 per person, including a glass of wine.

Another advantage of Malta is advanced system health care and the low cost of private insurance. Even if you have the most basic rate, you can afford to pay out of pocket for doctor visits. So, a visit to a therapist will cost $20, and a narrow specialist - $65.

Finally, in Malta you simply will not get bored. There is a phenomenal amount of sights here, from prehistoric temples to fortresses. The island provides opportunities for yachting, swimming, diving and snorkeling. Foreigners will be interested in annual festivals.

Foreigners in Malta are allowed to buy property valued at $118,900 (€110,000). For this price you can buy an apartment with one or two bedrooms in the villages of Gzira, Marsaskala, Mosta and others. Apartments for two or three bedrooms will cost about $ 300,000 - 500,000. A detached villa - from $ 500,000 to several million dollars.

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The low cost of living and real estate is just one of the reasons why the country is gaining popularity among retirees. According to International Living editor Glynn Prentice, two people can live here comfortably on $1,700 a month including rent in small towns and $2,200 a month in Lisbon.

The climate in Portugal is mild and most west coast countries covered sandy beaches. Despite the fact that Portugal looks at the Atlantic, its lifestyle is largely Mediterranean: here the most important values ​​are family and friends, people here love good food and wine.

Expats prefer to settle in the Lisbon area, especially in the seaside towns of Cascais and Estoril. The Portuguese capital offers huge selection affordable entertainment and infrastructure, including international Airport, restaurants and cafes, museums and concert halls. Porto, the second most important city in Portugal, attracts migrants who like a cooler climate. The Algarve is famous for its golf courses and sunny beaches.

Many Portuguese speak English well, so it is not necessary to learn local language if you are considering moving here in retirement.

Inexpensive second home popular resorts can be found for $ 80-100 thousand. Higher-class apartments - from $ 150,000. An economy class house by the sea with an area of ​​​​150 square meters. m. will cost from $ 200,000. If you buy an old apartment in historical center starting at $375,800 (€350,000), you can.

Over the past 10 years, this Central American country has been transformed. Broken roads turned into smooth highways. In the south, wind turbines have appeared that produce electricity. San Juan del Sur has become a fashionable town, which is nice to move to in old age. Progress is visible everywhere, and the life of immigrants is getting easier every year.

It is easy to obtain a residence permit here, as well as to open own business. And the two of you can live here comfortably on $1,500 a month. Local stores now have a variety of products, unlike the situation 10 years ago, when you could only find rum there.

The country is characterized by moderate housing prices. Houses cost from $100,000. The construction of modern apartment complexes by the sea is underdeveloped, but if such objects appear, their prices are high - from $150,000.

Flamenco country has a relatively low cost of living for Europe. In small towns, according to International Living editor Glynn Prentice, two people can live comfortably on $1,900 a month, including rent. You can rent an apartment with one or two bedrooms from $500 per month, and purchase from $70,000. There are cheaper options. Products are also inexpensive.

The climate in Spain varies from humid and cool in the northwest to hot and dry in the south, with the most sunny days, of course, in the southern part of the country. And the many kilometers of beaches of the Costa del Sol or the Costa Blanca will not leave anyone indifferent.

But Spain offers more than just a beach holiday. There are many in this country beautiful cities with a historical past. Moreover, prices, for example, in Madrid and Barcelona are much lower than in London or Paris. Valencia is different affordable prices for life. Together, a month will require no more than $ 2200. But at your service there will be an international airport, museums, concert halls, universities and much more.

Malaysia's cities are modern and clean, public transportation is second to none, and the locals are the friendliest in all of Asia. Malaysia is known for its 878 idyllic islands, stunning beaches and pristine rainforest.

Malaysia is characterized by a mixture of different cultures, which is explained by historical reasons. More than 600 years ago, Malaysia was discovered by the Portuguese, then by the Dutch, followed by the British. All this has created a multicultural society where all religions are tolerated.

There are at least four sites in Malaysia that are recognized as heritage sites by UNESCO. Therefore, both tourists and pensioners have something to do here. Also, this country is the only one in Asia, along with Singapore and Hong Kong, where it is allowed to buy real estate in full ownership, and at the same time you are not required to permanently reside.

Added to the low cost of living is an excellent healthcare system. Some of the best doctors in Asia work here, most of whom studied in the US or the UK. They all speak English. And the cost of medical care is noticeably lower than, for example, in the United States.

Real estate in Malaysia is ten times cheaper than in neighboring Singapore. In the very expensive city In the country of Kuala Lumpur, an apartment can be bought for $100,000 - 200,000, a house - for $200,000 - 400,000. In small towns on the coast, you can find housing even cheaper.

State in Latin America overcame its dark past and is now thriving, welcoming foreigners and taking pride in its culture and historical heritage. It has something for everyone, including emerald green coffee plantations, sparkling beaches and picturesque colonial towns.

But all this is just a decoration for the most important thing in Colombia - its inhabitants. They treat foreigners well, always open and friendly, and will be happy to show guests their dances, local cuisine and, of course, festivals. Almost every Colombian city has its own festival dedicated to some aspect of the life of the country.

According to International Living correspondent Nancy Kiernan, who lives in prestigious area Medellin, an immigrant needs to spend $1,250 a month to rent an exclusive three-bedroom apartment. However, this city has a wide range of prices for rental housing, which start at $500 per month.

Life in Colombia is varied, everything is here - from a relaxed beach holiday V resort town Santa Marta to the culturally rich capital of Bogota, where you can find theatres, churches, museums, nightclubs and luxury shopping malls.

In Bogota, you can buy an apartment of 75 square meters for $150,000 - 500,000. An ordinary house will cost the same, an elite villa will cost more.

For 30 years now, the country has been welcoming immigrants, and the reasons for its appeal to expats, including retirees, remain unchanged. Costa Rica welcomes foreigners with open arms. The people here are friendly and happy. Not coincidentally, the country's unofficial national motto is Pura Vida, which means "life is good." Here is a truly carefree and stress-free life.

It is easy to obtain a residence permit in Costa Rica. For retirees, there is a special pensionado program, according to which it is enough to have a minimum income (pension) of $1,000 per month.

According to International Living editor Jason Holland, a couple of retirees can live here comfortably on $2,000 to $3,000 a month. For example, you can spend no more than $35 on groceries per week, property tax is only 0.25% of the appraised value of the property, and a decent dinner at a local restaurant will make you pay $5 per dish. Rental rates start at $400 per month for fully furnished apartments in good areas.

One of the reasons why Costa Rica is a magnet for retirees is because of the high quality medical care. The country has two health care systems. Residents of the country, for example, under the pensionado program, can join the Caja system, which includes clinics and hospitals throughout the country. After you pay a monthly fee to the system, depending on your income, you can visit doctors for free. In addition, you can pay for medical services yourself or use insurance. But even in this case, the costs will not be higher than, for example, in the United States.

Property on the coast Pacific Ocean is not as expensive as you think. A two-bedroom house a stone's throw from the beach can be bought in Costa Rica for $250,000 -350,000.

The countries included in the top three of this rating are separated by only a few hundredths of a point. And despite the fact that Ecuador took third place, in some ways he was ahead of his rivals in the top positions. This is the climate. Since the country is located right on the equator, you can choose the weather that suits you best by simply changing the latitude.

Medical care in Ecuador can be obtained at very low prices. And in terms of quality, it is comparable to many developed countries. Also here cheap real estate This applies to both buying and renting.

And most importantly, Ecuador has a comprehensive system of benefits and discounts for pensioners who can pay 65% ​​less for air travel from the country and 50% less for movie tickets or sporting events. 50% discounts apply to public transport, and besides, if you buy a property, you can use the landline phone for free. A married couple can spend no more than $1,500 per month on living in Ecuador.

Two bedroom apartment in good area Quito can be bought for $100,000 - $200,000, a house for less than $150,000.

If it were possible to describe this country in just three words, they would be "modern", "comfortable" and "tolerant". Panama may be better known for its famous canal, but what really draws retirees here is the simplicity of life.

Of course, the comfort of living here is due to international trade and high levels of immigration, which are associated with panama canal. locals have long been accustomed to foreigners, so you are unlikely to feel the inconvenience associated with immersion in an unfamiliar environment.

One of the best of its kind is Panama's pension program called Pensionado. In addition to offering long-term residence permits, it offers discounts ranging from 10% to 50% on travel, healthcare, hotels, restaurants and more.

An apartment in Panama with an area of ​​70-80 sq.m will cost from $150,000 - 250,000. The average cost of a villa on the coast is about $1 million.

Mexico has a low cost of living - a foreigner can live here comfortably on $1,200 a month. And the situation is improving due to the weakening of the peso in last years. If earlier an apartment could be rented for $1,300 a month, now it will cost only $1,000 a month.

According to International Living editor Jason Holland, first-class hospitals can be found throughout the country. They are in every city. Moreover, many doctors have practiced in the US or Europe, and many speak English.

English is widely spoken in popular expat destinations such as Lake Chapala and the Riviera Maya. A diverse climate provides an opportunity to choose the conditions for life to your liking.

After you become an official resident of the country, which does not require significant effort, you can enjoy various benefits for pensioners. People over 60 receive discounts on airline tickets, bus tickets, medical care, entrance to museums and much more.

Real estate in Mexico is inexpensive. In new complexes near the beaches, prices for compact apartments start at $50,000. Spacious two-bedroom apartments can be bought for $100,000 - 150,000.

Photo Medsailmalta.com, Devisu.ru, Thriftytraveler.com, Arrivalguides.com
Flickr: Brian Johnson & Dane Kantner, Lenny K Photography, Alfonso Giraldo, victor patino george
Depositphotos: scornejor

Full pension

Orkhan Mustafayev and Marusya Ishchenko - about those who prefer not to live in old age in their homeland

Peaches, watermelon, strawberries, yogurt - at home, Russian pensioners did not indulge themselves with such a breakfast. After Vasily and Lyudmila Mezentsev moved to Hurghada in September last year, such a table in the morning became familiar. After breakfast, they go to the public beach - it is a fifteen minute walk from their three-room apartment. On Fridays there are free days, and therefore many Russians gather, for whom the bright sun and the Red Sea are real paradise after the cold Russian life.

In Egypt, we do nothing, - says pensioner Lyudmila Mezentseva. - We have already worked out our own. We communicate with the same pensioners as we do, we take care of the house. We live for pleasure.

Vasily and Lyudmila came to Egypt from the village of Siversky Leningrad region. They live on a Russian pension of 9,000 rubles - this is their monthly budget. The help of the children, of whom the Mezentsevs have five, was never asked: they cope.

For a month we freely fit into $ 300: with food, with the Internet, with water. Could we live like this in Russia with this money?

By the blue sea

For utilities in Chinese city Arkady Vershinin leaves Harbin two times less than in his native Blagoveshchensk. So, since 2007, Arkady Vershinin spent less than a thousand rubles on water.

Can you imagine? Almost four years - only 700 rubles! - the pensioner is surprised. - I take a shower, drink tea, and whatever you want ... The only thing that is expensive in China is heating: 5,000 rubles a year.

Vershinin moved to Harbin about four years ago. I bought a spacious apartment there at unbelievable prices for Russia - 7,000 rubles per square meter. The remaining money was enough to completely renovate and furnish the new housing.

In principle, I didn’t have much money, - says Arkady Artemovich. - For this money, I could not even buy a room in a hostel in Blagoveshchensk.

Alexander Gasilov from Yekaterinburg a year ago paid about 2,000 rubles for a one-room Khrushchev apartment of 33 square meters. Now he pays half as much for a "odnushka" 50 square meters in the Bulgarian Burgas.

In summer, we spend 700-800 rubles for a one-room apartment, well, up to a thousand, - says Gasilov. - In winter, more - the air conditioner is constantly working. There are no batteries, no heating. Winters are warm. In general, two things are expensive in Bulgaria: electricity and gasoline. Everything else is much cheaper here.

A pensioner bought a one-room apartment in a Bulgarian new building for 760 thousand rubles (in Yekaterinburg, Gasilov’s native city, a similar apartment on the secondary market costs one and a half million). Repair cost another 100 thousand. He rents an apartment in his homeland, having from this 15 thousand rubles a month - a good increase, given that the pension is 9 thousand.

I found out how much the tenants in my apartment are now paying for a communal apartment - 2600 rubles! - Gasilov is indignant. - Tariffs are being raised all the time, but living conditions are not improving. And how many times during the year do we turn off the water? ..

But in his Bulgarian apartment, the water was turned off only once a year - and then for one day. This was announced in advance by radio, television, notified all the residents.

Vasily and Lyudmila Mezentsev's water is not turned off at all - it is imported from them, it is stored near the house in tanks that are regularly filled. For a three-room apartment in Hurghada, they gave 900 thousand rubles - this is at least half of what they would pay for housing in the Leningrad region. For Egyptian utilities, by Russian standards, the Mezentsevs pay a penny: water - 150 rubles, gas - 35 rubles per cylinder (it lasts for five months).

For electricity, the tariff is about a ruble fifty per kilowatt. This is if it runs 300 kV. If it's more, prices go up, - says Vasily. - In general, utilities here in each district are paid differently. For unlimited internet, for example, we give 750 rubles.

The Internet is perhaps the only thing in Hurghada that has been affected by the recent revolutionary events - there was no access to the Web for several days. Russian pensioners, as well as other foreigners, were not touched by the unrest. When all the tourists were taken out, the neighbors approached the Mezentsevs - to support, to reassure.

Lyudmila says: "The unrest did not even affect food prices. The only thing is that glass jars were removed from the counters in supermarkets, apparently fearing pogroms. And then not for long."

Food in Egypt is really not expensive: a kilogram of oranges - 12 rubles, a kilogram of tomatoes - 12 rubles, a kilogram of cucumbers - 15 rubles. True, apples are expensive - 40 rubles per kilogram.

The same low prices in Bulgaria.

Very little is spent on food, - says Alexander Gasilov. - In April, I spent 97 euros on food and household needs. I had to buy a screwdriver, screws and medicines.

Of the 600 euros that Alexander Gasilov receives from his pension and renting out an apartment, half goes to utilities and other obligatory expenses. He saves the rest of the money to buy a car. There is no customs duty here, cars are cheap and for 1000 euros you can buy a used car on the go. The pensioner has already purchased a 46-inch TV, stereo and satellite dish. Now he receives 85 Russian channels: geographically he is in Bulgaria, and in his thoughts - in Russia.

Pension project

For a 71-year-old pensioner, Vershinin lives even too busy a life: four days a week he works in two firms as an assistant translator, goes swimming, meets friends, and when there is time, he improves his language. Several times he starred in episodic roles in Chinese TV series. At home, the pensioner is sure, old age would have developed differently: "At this age, the most trump card position is a watchman."

Arkady Artemovich works at two jobs not only because of money - he just wants to be useful.

Alexander Gasilov saved up money for Bulgaria, working as the head of maintenance and repair services in the government Sverdlovsk region. The closer the retirement was, the more he understood: he had nothing to do in his old age in Yekaterinburg. He retired early at age 58. Then he was registered with the employment office for six months and left his homeland at 59, having received a pension in his hands. In a word, he carefully prepared for his "pension project".

The Mezentsevs were also going to Bulgaria, but changed their minds: housing is more expensive there, and the climate is not suitable for Lyudmila with allergies. Family circumstances also pushed for the move: three sons lived with them.

Our boys are already adults - 28, 26 and 24 years old, - says Lyudmila Mezentseva. - We had two families living in one room, one family in the second room and we in the third. That is, it was necessary either to buy housing for their children, or to move somewhere themselves. We did not have enough money for housing in Russia, and we decided that it would be easier for us to buy housing in Egypt. We came here as tourists, we found out everything in advance.

Moving to a foreign country was accompanied by many fears. What if there are language problems? Suddenly you need help, but there will be no one to call? What to do if we get sick? But everything turned out to be simple: Russian is understood even in non-tourist areas, you can always turn to public organizations or the Russian consulate for help, and in the hospital they serve with medical insurance purchased in Russia. The Mezentsevs do not miss their homeland, because they live here "as in the Union" - Ukrainians, Balts, Belarusians - they are all like one big family.

Vladimir Nazarov from the Yegor Gaidar Institute for Economic Policy believes that the migration of our pensioners abroad is explained by the departure of Russian society from the patriarchal model.

We adopt a lifestyle developed countries. The patriarchal structure of the family breaks up, when relatives are not a single step away from each other. That is, care for the elderly becomes predominantly material and guardianship over the young is reduced. Grandparents no longer necessarily wash windows, floors and cook borscht for their grandchildren and other younger relatives. People have a desire and an opportunity to spend their old age differently, even away from their families.

But, of course, not everyone likes the Western model. So, disagreements arose in the Vershinin family. Arkady Artemovich is sure that in retirement it is already possible to live for yourself. His wife stayed with her grandchildren in Blagoveshchensk:

And I can't watch her cackle at her grandchildren until she's old. I immediately told her: "I'm at such an age that I don't owe anything to anyone."

Wealthy pensioner

To fly to Egypt or Bulgaria for permanent residence, a Russian pensioner needs to buy real estate in this country and draw up documents.

In addition to the documents, you also need to show the status that you are not just a "pensioner", but a "secured pensioner," explains Gasilov. "This means that you have an account opened in a Bulgarian bank for at least 1,500 euros. And plus you have a pension, which is confirmed by a certificate from the Pension Fund. Then you can get required visa.

In Egypt, the process of filing documents is buried in bureaucratic delays.

They put a visa there and say: come back in two weeks, then in two more, - says Lyudmila Mezentseva from Hurghada. - Of course, it's a chore to go to the officials.

If a pensioner has not extended his visa, he will be fined $30 at the airport. Therefore, some live without documents at all.

In China, violations in paperwork are treated more simply. Arkady Vershinin arrived in Harbin with a one-year visa and forgot to register. And according to the rules, this procedure must be completed within 24 hours.

And I did it a year later! I came to their militia with a friend who is an interpreter, and they ask me: why didn’t you register? I said: I'm old, my memory is bad... He waved his hand and said only to pay a fine - 500 yuan. I began to show my documents, including the apartment. He says: "So you bought an apartment? Are you going to live here? So why do you need a visa? Live in a way that touches you?" I explained that I had to travel at least once a year to collect my pension. He said, "Oh, well then, okay." Our police would have milked me to the ruble.

Old people don't belong here

Our care system for the elderly is not set up to help in emergency situations, - says Vladimir Nazarov. - At best, a social worker comes, and then from time to time. The list of services provided by the state is very limited. The rest - for money, and for big ones. Even in nursing homes in some regions the queue for years. And then you are not very welcome there, and the quality of the service leaves much to be desired. Therefore, pensioners tend to countries where conditions are more adapted.

When the conditions for the elderly in Russia will improve is a big question. Therefore, the number of pensioners who decide to spend their old age abroad, and not at home, will apparently increase as the well-being of the population grows.

The optimal solution for the country would be to develop services for the care of the elderly and medical services in regions with favorable climatic and environmental conditions, - says Vladimir Nazarov, - if, again, a certain market were created, pensioners from Moscow could go not abroad, but to the warm regions of Russia. It would be optimal and profitable.

Orkhan Mustafaev, Marusya Ishchenko

“Foreign pension” has not yet become a common practice for Russians; unlike, for example, Americans, British, Germans or Australians. Meanwhile, contrary to popular belief, Russian pensioners have exactly the same material opportunities to move as citizens of Europe or the United States; and even larger, if we take into account the difference in the cost of apartments “with them” and “with us”. It's just that not everyone knows how to use these opportunities, and the vast majority of Russians simply do not accept the idea of ​​leaving their homeland in old age.

Such data was shown by a survey conducted among working Muscovites aged 40 to 55 years. According to Metrinfo magazine, more than half of respondents (51%) said they consider moving abroad after retirement unacceptable; 27% have not yet thought about it, but believe that this option is worth considering; 14% admitted that they seriously thought about the "foreign pension", but have not yet made a final decision; and, finally, 8% of respondents are determined to leave Russia.

According to real estate market experts, some Russians are already buying or investing money in housing abroad. And although while this process is almost in its infancy, realtors expect this trend to grow in the future, and among middle-income citizens. Already in 5-10 years, the place of businessmen and top managers (today it is they who make up most owners of foreign real estate) will be occupied by the most ordinary, “average” Russian pensioners, who will be able to live comfortably on the income from the sale or rent of an apartment in their homeland.

Issue price

In order to settle in hot countries, it is by no means necessary to be the owner of "factories and steamboats" and, moreover, even the owner of housing. For example, on the income from renting a Moscow “odnushka” apartment (1000-1200 dollars per month), you can “fatten” live in India, Costa Rica or Thailand, as well as a number of other, for the most part, extremely poor Asian countries. So, in Costa Rica, a house with two bedrooms - and half a kilometer from the ocean coast - will cost 350-400 dollars a month; in Thailand or Goa you can rent a bungalow for $150-200, an apartment for $200-400.

If you have the opportunity to sell an apartment or house, the geography of choice will be much wider. For 120-150 thousand dollars, proceeds from the sale of the same "odnushka", you can safely buy an apartment in Italy (55-65 thousand dollars), Bulgaria (25-30 thousand dollars), Turkey (40-50 thousand dollars) or the Czech Republic (25-30 thousand dollars), settle on sea ​​coast in Spain (100-130 thousand dollars) or in a beach house in Cyprus (90-100 thousand dollars).

True, this option is more suitable for those who have additional income in retirement - from business, investments or remote work. For the remaining 60-70 thousand dollars from the sale of the apartment, a married couple will be able to live in most European countries for no more than 2.5-3 years; in Latin America - 5-7 years (but the living conditions there are less comfortable); in Asia - and more than 10 years, but it is worth recognizing that not every pensioner will be able to endure the Asian climate without problems.

Choice of direction

So far, the most popular among Russians are Bulgaria, Montenegro, the Czech Republic, Spain and Cyprus, but this choice is largely due to the tradition, or rather, the habit of our compatriots to rest in these countries. In fact, they do not fit perfectly into the criteria that Russians consider the main ones when moving abroad, such as: the cost of living (24.9%), the quality of medical care (21.5%), local discount programs for pensioners ( 13.8%), climatic conditions(11.6%) and property value (3.4%). According to International Living magazine, Italy, France, Mexico, Panama and... Ecuador meet these conditions best.

In total, the International Living ranking (the magazine exists for more than 30 years and specializes in the topic of buying real estate and living abroad) 25 countries that are most suitable for moving to retirement. States were evaluated according to the following criteria: the price and ease of buying real estate, the quality and availability of leisure and entertainment, the cost of living, security and stability, the cost and quality of medical services, climatic conditions, the presence of special advantages for foreign citizens. As a result, Ecuador once again became the leader of the rating, followed by Great Britain, Dominican Republic, Honduras and Thailand.

Here is a brief summary* for each of the top three countries; here are some of the most helpful first-hand information for those who are considering or are considering moving.

1. Ecuador

Climate : hot, average daily temperatures are +24..27 degrees. IN mountainous areas — +13..15.
the cost of living : four-course dinner - $ 2-3, taxi ride - $ 1, hotel accommodation - $ 20 per day.
Real estate value : the best in Latin America 2-room apartment in a new building overlooking the ocean - $ 45-55 thousand.
Special Benefits : when moving all household appliances and furniture can be transported duty-free.
Discounts for pensioners : almost everything, including transport services and utility rates.

2. Panama

Climate : tropical, very humid, from May to January - the rainy season.
the cost of living : lunch at a restaurant - $ 10-15, hotel accommodation - $ 50-60, a minute of conversation on mobile phone— 30 ​​cents.
Real estate value : renting an apartment in the most prestigious district of the capital - $ 500 / month, buying - $ 90-95 thousand. Vacation home in the mountains or by the ocean - $ 85-95 thousand.
Entertainment and leisure : abundance of restaurants, concert halls, museums and other institutions with a national flavor of almost all countries of the world.
Discounts for pensioners : By joining the state program Pensionado, you will receive significant discounts on almost everything (50% for entertainment, 30% for travel to public transport, 25% - for meals in restaurants).

3. Mexico

Climate : temperate in the north and tropical in the south. The average temperatures are +20..24 and +24...28 degrees respectively.
the cost of living : 4-course lunch - $ 5-10, bus fare - 50 cents, taxi in the center of the capital $ 1.5-2.
Real estate value : a house on the lake - $ 70-80 thousand, on the ocean - $ 100-130 thousand.
Entertainment and leisure : In most cities, you can enjoy a combination of centuries-old traditions and cutting-edge entertainment.
Medical services : first-class quality with comparatively low prices. If you have a residence permit, you can purchase health insurance for $150 per year.
Discounts for pensioners A: After 60 years old, you can get a pensioner's card from INAPAM, which entitles you to receive numerous discounts and tax benefits.

*Using data IRN.ru.