RETIRE OVERSEAS

~with EASE ~
----------------
3 Paradise Boltholes Where Aussies
Can Live Like a King on the Cheap

escapologist.com.au
Who wouldn’t want to live like royalty?
There’s no doubt about it. Australia is the best country on earth. But is it the best place on
earth to retire? The answer is no. I’ll explain why in a moment. If you’re not convinced you
want to live in one of the most expensive, regulated and taxed nations on earth, where do
you go?

In this report I’ll tell you about the 3 best places on earth I think you could to retire to.
Not that you should immediately pull up your roots and hightail it out of here. For most
people, staying in Australia is the right thing to do. But for some people, retiring overseas is
an extremely wise, calculated and successful decision. Even if it isn’t for you today, moving
overseas might still be a good idea one day. So why not become familiar with some enticing
options? Especially considering what Australian retirees face at home.

Why You Should Consider Leaving

First things first. Australia serves the world’s most expensive beer. The Economist magazine
claims we are in second place, but a recent trip to the number one country confirmed
Australians are worst off. The same goes for hard work too. Australia’s tax system is the
second most progressive out of OECD nations after the USA. That means higher income
earners are taxed proportionally more than lower income earners. And now that the tax free
threshold is raised, it’s likely we’re number one.

Here are some other results from the Economist Intelligence Unit:

‘THE cost of living in Sydney, Australia, is close to 50 per cent higher than in New
York, according to a new survey that illustrates the painful side effects for residents
living through a once-in-a-century mining boom.

‘The report shows that five cities in Australia - a country renowned for its fine wines,
robust economy and great outdoors - now rank among the world’s 20 most expensive
to live in. Cities such as Adelaide, Brisbane and Perth, for example, are costlier than
global metropolises such as London, Hong Kong and Rome.’

The underlying reason for all this is that property in Australia is vastly overpriced. The costs
of this filter down into everything else. For example, retail shops on the high streets must
pay high rents. They pass this cost onto you in the form of higher prices for everyday items
and clothes.

For the most part, higher wages in Australia offset the higher cost of living. But when you
retire, everything changes. You no longer earn the income that makes life in Australia barely
affordable. If you want to maintain your standard of living in retirement, or even live more
comfortably on less money, there is one very direct option.

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The Big Decision
The decision to retire overseas is one that you want to get right first time. Getting it wrong
can be financially damaging and emotionally draining.

You need to be informed about where, why, when and how you move. Getting the
how, when and why of your overseas retirement right is just as important as the where.
You should think seriously and deeply about all those questions before making any move.
In this report I’ll focus on the ‘where’ and introduce you to some locations you may not
have thought of.

One important step is to establish the criteria you will make your decision on. What do
you care about? Exclusively emotional decisions aren’t a good reason to move.

Your decision to retire overseas or stay in Australia should be based on rational factors
as well. It definitely shouldn’t be a BAD financial decision. You want to experience the
relief of a good choice when you get there. You don’t want the disappointment of an
emotionally charged decision that you didn’t think through. That said, moving to another
country can be the most emotionally gratifying thing you ever do.

Important Questions
What kind of climate do you want to live in?

How comfortable are you living far away from Australia?

Do you want to live like a king in a cheap country or just live well in a more developed one?

What do you enjoy doing? Exploring cultural and historical interests, keeping fit, staying
within your comfort zone?

Do you want to live in a country with lower taxes and a freer life? Are you interested in
taking up a second citizenship?

Do you want to travel to interesting places beyond your new home in your retirement? It’s
not good retiring to New Zealand if you want to see Europe.

Is language an issue? Some countries are more English speaking than others. Do you
require high quality healthcare nearby?

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Narrowing Things Down
The world’s a big place. Those questions will help you narrow down your search. Here’s a
quick idea on how to make the search manageable:

1. Print out a map of the world (see next page).

2. Blot out anywhere with a climate that doesn’t suit you. You can probably narrow
it down by drawing a band above and below the equator. I like hot weather, so
my band extends either side of the equator between southern Europe and the
Queensland border with New South Wales. For those of you who don’t like the
heat, the band will be a certain distance away from the Equator, but probably
not as far as the Arctic Circle.

3. Next up, draw a circle within which you are willing to travel from your
Australian home. Take a quick look at flight times from your home to places
around the world. Is the eight hour travel time to Singapore too much hassle or
just within range?

4. It might not just be home that you want to be near. Have you always wanted to
live in Europe? Or perhaps explore the booming economies of south-east Asia?
Try circling the areas of interest on your map. But be careful to rule out any
areas that may pleasantly surprise you. If you do want to explore, living near the
right infrastructure can be crucial to making that a pleasant experience. That
rules out Mongolia, for example.

You may have narrowed things down considerably already. Although I can’t narrow the
world down for you, for the next part of this report, I’ve come up with three geographic
areas I think you might be interested in: Europe, South East Asia and Central America.
I’ve also picked my top recommendation for each one.

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EUROPE
Australians love to see Europe. It just so happens that my top pick for Australian retirees
is in Europe, so that works out well. ‘The continent’ certainly is a different place to
Australia. It’s worth seeing, but do you really want to live there?

As you know, Europe is in the midst of serious economic crisis that could last many years.
Still, there are many beautiful places to retire to in Europe. My top pick gets the mix of
European benefits and costs just right.

MALTA — THE PICK OF THE BUNCH

Population: just over 400,000
Currency: Euro (for now)
Language: English

If you want to experience the history, culture and sophistication of Europe without having
to suffer its climate, Malta is the place. In fact, it’s my top pick for Australian retirees. It
ticks all the boxes, assuming you don’t mind the trip there from Australia. But once you
are there, you’ve got all of Europe at your feet. With lots of water in between, just in case.

The two islands of Malta are only three hours flight from London, the major European
capital furthest away. Not that Malta isn’t interesting in itself. In fact, it’s more than
interesting if you like history.

Malta features stories you thought were legends, including the Knights of St John who
made it their permanent home after retreating from Jerusalem. Lord Nelson also brought
his not-so-secret lover Lady Hamilton here. Other ‘visitors’ include the Barbary Corsairs,
Napoleon and the Ottoman Empire. In other words, Malta has been the place to be for

Source: Google Maps

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a long, long time. The world’s oldest free standing A Maltese Harbour
monuments were constructed there 1000 years
before the pyramids in Egypt!

English is the official language, which makes life

much easier for Australian retirees. Maltese law is
closely based on English law, but it is codified. This
means that legislation and not precedent is the law
— the laws are written rules, not whatever judges Source: www.sxc.hu

decided in past cases. This combination of English

legal principles and legislation only is ideal for a retiree, as it keeps things simple and clear.
Those are two attributes the Australian legal system does not have.

There are plenty of tax benefits to Malta. Our very own Commonwealth Bank of Australia
recently made headlines with its use of Maltese tax loopholes. Retiring all the way to
Malta only to run into your banker is a bit of a downside, but bankers tend to populate
the better retirement havens all around the world.

There is a fairly low cap on the maximum amount of tax payable by individuals in
Malta, according to the Q Wealth Report. And the country has a tax agreement with
Australia so you won’t get taxed twice on any income you move from one country to
another. Malta is in the EU, and does have quite a bit of sovereign debt, so changes to
tax legislation and monetary instability might be a worry.

The Cost of Living in Malta Malta’s healthcare system was

recently ranked fifth in the world
RESTAURANTS Average
by the World Health Organisation,
Meal, Inexpensive Restaurant 12.65 A$ trouncing Australia’s 32nd place
Meal for 2, Mid-range Restaurant, 3 course 41.13 A$ performance. Australians who visit
Combo Meal at McDonalds or Similar 8.86 A$
for less than 30 days are entitled to
free emergency medical treatment
Domestic Beer (0.5 liter draught) 2.53 A$
at the state run hospital, but private
Imported Beer (0.33 liter draught) 2.53 A$ health insurance is recommended
Capuccino (regular) 2.06 A$
by the Maltese Ministry of Health
if you decide to stick around.
Coke/Pepsi (0.33 liter bottle) 1.77 A$

Water (0.33 liter bottle) 1.27 A$ As for cost of living, Malta is

RENT PER MONTH dramatically cheaper than the likes
of Sydney or Melbourne. Many
Apartment (1 bedroom) in City Centre 417.61 A$
significant expenses, such as renting
Apartment (1 bedroom) Outside of Centre 348.01 A$ or buying a house, are half or
Apartment (3 bedrooms) in City Centre 759.29 A$ a third the cost! At first glance,
the only thing more expensive in
Apartment (3 bedrooms) Outside of Centre 601.10 A$
Malta happens to be a Macdonald’s
Source: www.numbeo.com

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combo-meal, according to the cost of living website Valletta Harbour
Numbeo.

Malta is also cheap compared to much of Europe.

But it’s not dirt cheap like the other two picks I’ll
introduce you to.

So does Malta come with any warnings?

Well, getting to Malta from Australia is quite a

Source: www.sxc.hu
shenanigans. You can expect it to take 36 hours
and at least $1600. But other than that, Malta is
a pretty safe bet when it comes to retirement. There are very few peculiarities you need
be concerned about. For some people, one of them is the strong presence of Roman
Catholicism. 98% of the population identify with the religion, and many seriously so.

Because of steady migration out of Malta and an influx of retirees, particularly from
Britain, Malta has several policies which softly penalise newcomers and benefit locals. For
example, public transport discounts apply to people with certain residency status. It pays to
become aware of some of these hidden costs and benefits, as life is even less expensive for
people who commit to living in Malta. Another example is a rent reduction in certain types
of accommodation if you’re a permanent resident. Maltese citizens enjoy further benefits.

Unfortunately, it is quite difficult to obtain Maltese citizenship without some ancestral

connection. Many Australians have that connection. But, unless you reside there for
five years and are willing to give up your Australian citizenship, opportunities are slim.
Incidentally, it is quite straight forward to ‘resume’ Australian citizenship if you do decide
to become Maltese.

If you enjoy a green environment, full of flora and fauna, Malta might be a
disappointment. The trees seem to have emigrated. The architecture makes up for it,
though. In my opinion, the Maltese capital Valletta has the most beautiful harbour in
the world.

So all in all, Malta does top the list for Australian retirees. Especially those who don’t want
a complete lifestyle change and are interested in Europe.

So how do you get started? Apart from taking a holiday in Malta, for which you won’t
need a visa unless you stay for more than 90 days, you can find out more information
about moving to Malta by contacting an immigration specialist. The rules and
requirements of permanent residency frequently change and there are several different
options to consider. I’m not a travel agent or an immigration lawyer, so it’s difficult
to help with all this. But I hope you’ll take a close look at whether Malta can be your
retirement bolthole.

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*** Update: Malta is caught up in Europe’s sovereign debt crisis. Government finances
remain stable for now. Debt to GDP has taken a turn for the worse this year, rising to
75%. It is very difficult to know how the euro crisis will play out for Malta and any
retirees there. On the one hand, living costs could plummet. On the other, public services
could struggle. Despite these risks, Malta remains an excellent option for Australian
retirees.

SOUTH-EAST ASIA
Much closer to Australia are the countries of South-East Asia. Home to the booming
economies of the future, some parts of the region have already developed enough to
attract retirees from around the world. The incredibly low cost of living is a major drawing
card. Culture shock is no small barrier though.

Our top pick within South-east Asia is known as one of the most peaceful places in the
world. It’s a little difficult to get to, but worth the trip.

CHIANG MAI, THAILAND

— WHERE THE SWISS GO TO HIDE.

Many wealthy Europeans move to Switzerland to retire. They

like the perfectly square fields and the mountains. Or they’re
worried about autocratic government, war and the collapse of
the welfare state back home. But the Swiss seem to have a taste for something different
when it comes to escaping the very same threats. Chiang Mai News did a story on the
influx of Swiss escapees:

‘Nestled in the north of Thailand’s many valleys, and perched atop its numerous
mountains, reside an astonishing number of Swiss people. ‘Life is good here,’ [says]
Manhardt, ‘infrastructure is good, the prices are still reasonable and we can afford to
live a quality of life here that many of us can only dream of in Switzerland, where,
behind every corner there is a policeman. Here people leave you alone as long as you
don’t wrong them; it makes life very comfortable.’’

If a Swiss person named Manhardt tells you the infrastructure in Thailand’s second largest
city is good, it is good. This might come as a surprise, considering Chiang Mai’s location.
It isn’t anywhere near the famous beaches of Phuket or bustling Bangkok. It’s in the
landlocked north of the country.

But the city is a national symbol to the Thais. It’s their northern capital. If the lack of
beaches disappoints you, move to Queensland. This place is the cultural and historical
hub of Thailand. The book and film Anna and the King of Siam were set nearby. And the
city has almost as many temples as all of Bangkok, which is much bigger.

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What’s surprising is that the very same place is also quite modern in many ways. Jim
Dagenais wrote to the US edition of International Living about the ‘expat’s retirement
dream’ in 2009. Here are some excerpts:

‘Chiang Mai seldom gets cold enough in the Thai Temple

winter evenings to need a jacket, and has a low
crime rate. The Thais have strong family values
and senior citizens are respected and held in
esteem.

‘Monthly costs of living in Chiang MaiRent:

$150–1,000

Basic cable television: $6

Internet: $15
Source: www.sxc.hu
Water bill: $4

Electricity: $6–$30 (depending on the season)

Maid service: $30 (twice a week)

‘I plan to take short trips to visit some of Thailand’s island beaches, Cambodia, Laos,
China, and Vietnam—all within easy access. Since I have lived here I have not been
bored a single day.’

Foreign ownership restrictions on property are an issue in Thailand. There are two
commonly used ways to get around this, if you do still want to buy. The first is to
buy the house and lease the land it is on from a Thai individual for 30 years, with the
option to renew twice. The second is to set up a Thai company with your ownership at
49%, which then purchases the property. If you have friends with Thai backgrounds or
connections, that’s often the best way to go about this.

Source: Google Maps

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Chiang Mai routinely ranks amongst the ‘top 25 places to live’, or the ‘top 20 most
relaxing places in the world’. But the biggest draw card for Australians is of course the
opportunity to live like a king. Apart from wine and cheese, everything is either drastically
or absurdly cheaper in Thailand, according to Numbeo.

Chiang Mai stands out from places in Thailand because world renowned financial guru
Dr. Marc Faber chose it as his home. This as good an endorsement as you can get. Dr.
Faber must be one of the most travelled people in the world. And he is an expert on Asia,
starting up a stock brokerage there in the 70s. He would not choose his place of residence
lightly. Nor did he hold back on the remarkable creation that now serves as his office. It’s
full of Communist era paraphernalia.

Getting to Chiang Mai costs about $900, and takes 12 hours with 1 stop in Bangkok.
The shortcomings are fairly obvious, although minimised by the amount of expats now
living in Chiang Mai. There’s always a culture shock in moving to Asia. Australians seem
quite at home in Thailand, though. And it’s not difficult to make it homely on a budget,
or regal on a bigger budget.

The Cost of Living in Chiang Mai It’s certainly best to try before
you buy when you’re moving to
RESTAURANTS Average
Asia. So you should take a holiday
Meal, Inexpensive Restaurant 1.91 A$ in Chiang Mai to scope out the
Meal for 2, Mid-range Restaurant, 3 course 15.14 A$ lifestyle. But if you decide it’s for
you, the next step is to sort your
Combo Meal at McDonalds or Similar 4.78 A$
visas. Luckily, many Australians
Domestic Beer (0.5 liter draught) 1.83 A$ retire to Thailand, and so there
Imported Beer (0.33 liter draught) 2.23 A$ is a straight forward retirement
Capuccino (regular) 1.51 A$
visa. There are many immigration
agents happy to organise the
Coke/Pepsi (0.33 liter bottle) 0.64 A$ details. One great feature is that
Water (0.33 liter bottle) 0.32 A$ you can ‘upgrade’ your Thai visa
RENT PER MONTH
while you’re there, which means
you can leave much sooner than
Apartment (1 bedroom) in City Centre 247.04 A$
you might think.
Apartment (1 bedroom) Outside of Centre 159.38 A$

Apartment (3 bedrooms) in City Centre 632.74 A$

Apartment (3 bedrooms) Outside of Centre 317.57 A$

Source: www.numbeo.com

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CENTRAL AMERICA
The parent company of our publishing business here in Melbourne was founded more
than thirty years ago. And it was founded on an idea:

‘There are a host of places around the world that are cheaper...healthier...safer...
freer... than you ever thought possible. Our job is to help you discover those places,
and then to help you take advantage of the opportunities they offer — opportunities
to improve your quality of life...to lower your cost of living...to invest for profitable
return — before the rest of the world catches on.’

International Living magazine now has more than 400,000 readers globally. It is the
world’s authority in the very thing this report is trying to help you with — where to retire
to. And Central America happens to be one of the areas of the world that International
Living specializes in. So we couldn’t miss out their top pick — Ecuador.

ECUADOR — THE EXPERT’S CHOICE

Ecuador has a lot of stigma attached to it. So I’ll let the US
edition’s team of experts explain just why they think this is the
spot for you. (All figures in this section are in US dollars.)

‘Ecuador’s equatorial sunshine, the choice of spectacular mountains, high

plains, jungle, or coastal settings, and the unvaryingly friendly and welcoming
nature of Ecuador’s people, and you have a combination for a quality of life
that’s hard to beat.

‘No matter where you choose to live in Ecuador, there is no better retirement
haven in the world. That’s what our 2012 Global Retirement Index reveals.
Across all eight of our crucial categories it scores strongly. It outright wins two.
And nowhere does it fail to live up to its reputation.

‘Ecuador has the cheapest costs of living, the best-value real estate, and it
presents you with some of the most diverse options of any country. Live in the
colonial splendor of its cities for less than $1,000 a month ... buy a beachfront
condo for $60,000, with a view of the crashing Pacific...explore the country’s
Amazonian jungles...live comfortably in thriving expat communities...or with
friendly, welcoming locals.

‘The special benefits you can avail yourself of as a retiree are second only to
those offered by Panama, and they don’t trail by much. You’ll find world-class
healthcare at a fraction of the costs back home, along with doctors trained in the
US who speak English.

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 ‘You’ll have dinner out for $2.50, an hour long Visit the Galapagos Islands
massage for $25...a beer costs $0.85, and if you
want to keep busy with work, it’s one of the
best countries for an expat start-up.

‘The Ecuadorian government guarantees senior

citizens access to free health care and medication
and exemption from notary and registration
fees. ‘All expats are able to participate in the Source: www.sxc.hu

Ecuador Social Security medical program,’

explains Jack Moss who, with his wife Debbie, retired to Cotacachi two years ago.
‘The premium is about $57 a month, and there is no co-pay or deductible for
physician visits, hospitalization, medications, or dental visits.’’

One of the benefits to Ecuador is the ease of real estate investing:

‘You’ll find that buying a property in Ecuador is more straightforward than you
may be accustomed to back home. For example, there are no title or escrow
companies, and sellers and buyers are required to pay their own debts outside
the sales process, such as insurance, real estate commissions, etc. These issues
are not brought to a closing, which is strictly between the buyer, seller, and the
notary. Your attorney should be able to guide you through the purchase process,
and help you to avoid potential pitfalls.

‘Remember that in Ecuador, as in most Latin American countries, cash is king.

Interest rates are still high here compared to the US so if you can pay
with cash you will gain significant bargaining power. We’ve seen several shoppers
submit offers of half the original asking price who ended up paying 60% or
70% of the original price.

Peru

Source: Google Maps

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 ‘Foreigners and Ecuadorian natives are on Ecuadorian Wilderness
equal footing when it comes to real estate.
You do not need to be a resident to own
property. To the contrary, property ownership
can qualify you for residency. There are
certain restrictions in the case of ‘National
Security Areas,’ which may include the
country’s borders, although these areas are not
specifically defined in the law. Your attorney
or the notary will inform you if your property Source: www.sxc.hu
requires any type of permission.’

Beachside villa, mountain retreat, or city apartment, you can have it all, for the price of
a one bedroom flat in Melbourne. What might surprise you about Ecuador is its rich
history and cultural scene. The colonial stories are quite remarkable and much of the
architecture is intact. The Galapagos islands are within reach too, for naturalists. In fact
the wildlife is the real drawing card of Ecuador in our opinion. Hotspots for retirees
include the ‘valley of longevity’ and the ‘valley of smiles’.

As for getting there, Ecuador is on the west coast of South America. And it’s surprisingly
easy to get to. $1400, 25 hours of travel and one stop over in Chile will get you there.

The Cost of Living in Ecuador One expat’s big warning is this:

‘The advice I give to anyone who’s
RESTAURANTS Average
thinking of a move to Ecuador is:
Meal, Inexpensive Restaurant 3.66 A$ Go with the flow...or go home.’ The
Meal for 2, Mid-range Restaurant, 3 course 17.09 A$ country is still corrupt, poor and
Combo Meal at McDonalds or Similar 4.88 A$
parts of it are dangerous. But, if
you go about things the right way,
Domestic Beer (0.5 liter draught) 0.98 A$ Ecuador is a fantastic option.
Imported Beer (0.33 liter draught) 2.05 A$

Capuccino (regular) 1.56 A$

Because many Westerners retire
to Ecuador, the visa requirements
Coke/Pepsi (0.33 liter bottle) 0.73 A$
are fairly straight forward. You
Water (0.33 liter bottle) 0.49 A$ can expect the visa to be approved
RENT PER MONTH within 4–8 weeks. It’s best to hire
an immigration lawyer to figure
Apartment (1 bedroom) in City Centre 293.01 A$
out which of the many options
Apartment (1 bedroom) Outside of Centre 268.59 A$ suits you.
Apartment (3 bedrooms) in City Centre 463.93 A$

Apartment (3 bedrooms) Outside of Centre 341.84 A$

Source: www.numbeo.com

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Resources
So there’s our guide to the top three retirement picks worldwide. I hope you’ve found
them interesting. Keep in mind the factors I mentioned at the beginning of this report.
I’ve only helped you with the ‘where’ and not the ‘how’, ‘when’, or ‘why’ of retiring
overseas. Those factors are just as important.

Best of luck with your decision.

Simon C Munton
Editor, The Escapologist

If you’ve been inspired to investigate some other places around the world, here are
some resources I found useful in my search:

www.numbeo.com — compare cost of living data for cities worldwide

maps.google.com — Google maps can be a powerful search tool if you know what sort
of regions of the world you’re interested in.

www.airbnb.com — if you want to try before you buy, why not rent someone’s home
without the hassle that usually goes with it? You can even put rent out your own home
in the meantime to pay for it.

Thanks to our friends at the US Edition of International Living magazine:

www.internationalliving.com

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ABOUT THE ESCAPOLOGIST
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