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These Countries Are Safer for Retirees Than the U.S. – What Anywhere Real Estate Employees Need to Know

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'Anywhere Real Estate employees planning their retirement should consider the stability and peace of their chosen destination, as a tranquil environment not only enhances well-being but can also offer financial advantages, such as tax exemptions, making for a truly rewarding retirement experience.' – Michael Corgiat, a representative of The Retirement Group, a division of Wealth Enhancement.

'Anywhere Real Estate employees looking to retire abroad should prioritize destinations that combine peace, low cost of living, and favorable tax incentives, as these factors contribute to a more relaxed and financially efficient retirement.' – Brent Wolf, a representative of The Retirement Group, a division of Wealth Enhancement.

In this article, we will discuss:

  1. The most peaceful countries for retirees in 2025, including Portugal, Malaysia, and Costa Rica.

  2. Key factors, such as the Global Peace Index and Global Retirement Index, influencing retirement destinations.

  3. The lifestyle and financial benefits of retiring in these peaceful countries, specifically for Anywhere Real Estate employees.

Retirement should be a time of comfort, leisure, and, most importantly, well-being. After years of hard work at Anywhere Real Estate, the freedom to relax in a calm and tranquil setting becomes essential. According to a recent International Living study, the most peaceful countries for retirees in 2025 were identified using data from the Global Peace Index and the Global Retirement Index. This list features countries like Portugal, Malaysia, and Costa Rica, all renowned for their low crime rates and peaceful environments, offering retirees an opportunity to live with less stress.

The research was compiled by International Living's team using their annual Global Retirement Index, which rates countries based on factors like health care, cost of living, infrastructure, and overall quality of life for seniors. The inclusion of the Global Peace Index, which measures political stability and crime rates, lends further depth to this list. These countries are ideal for those looking for a calm and serene retirement abroad, as they score highly on both indexes, making them particularly relevant for Anywhere Real Estate employees considering life after retirement.

Why These Nations Stand Out

The countries highlighted in International Living's 2025 list not only provide a peaceful and stable environment but also offer economic benefits such as affordable health care and low living costs. Portugal, for instance, consistently ranks highly for its tranquility and low crime rate. With its welcoming culture and excellent infrastructure, Portugal is an attractive option for those seeking a slower pace of life without sacrificing comfort. It ranks 7th on the Global Peace Index and 2nd on the Global Retirement Index, making it a top choice for retirees, including Anywhere Real Estate employees.

One retiree interviewed by International Living, who has lived in Portugal for over seven years, shares that the country offers a 'sense of calm that wraps around you like a warm blanket—steady, comforting, and always present.' With its peaceful environment and high standard of living, Portugal may provide an ideal retreat for retirees, including Anywhere Real Estate employees looking to unwind after years of hard work.

Malaysia, ranked 7th on the Global Retirement Index and 10th on the Global Peace Index, is another top destination. Known for its blend of modernity and tradition, Malaysia is a peaceful, cosmopolitan country that boasts low crime rates and a laid-back lifestyle. Cities like Penang and Langkawi are especially popular with expatriates. An expat interviewed by International Living, a 16-year resident of Malaysia, emphasizes that the country’s cultural respect and harmonious cohabitation are key to its tranquility—ideal for those from Anywhere Real Estate looking for a calm place to retire.

Another favorite among retirees is Costa Rica, which ranks 3rd on the Global Retirement Index. Despite its lower ranking on the Global Peace Index (38th), Costa Rica is known for its natural beauty, stable democracy, and affordable health care. 'I'm grateful that my kids have grown up on the beach, surrounded by nature's playground,' says an International Living interviewee, who has lived in Costa Rica since 2013. Costa Rica offers retirees a lifestyle that is harmonious with nature, making it an appealing choice for those from Anywhere Real Estate looking for a peaceful retirement.

Other Noteworthy Retirement Locations

In addition to Portugal, Malaysia, and Costa Rica, several other countries offer peaceful and tranquil retirement options. Ireland, ranked 2nd on the Global Peace Index and 15th on the Global Retirement Index, is another excellent option. With its stable political climate, low crime rate, and high-quality health care, Ireland provides a peaceful and enjoyable lifestyle for retirees, including those from Anywhere Real Estate, who are seeking relaxation in retirement.

Vietnam, ranked 16th on the Global Retirement Index and 41st on the Global Peace Index, is also gaining popularity among retirees. With its vibrant culture, affordable living, and stunning landscapes, Vietnam offers a cost-effective and tranquil retirement option for those, including Anywhere Real Estate employees, looking to settle in Southeast Asia.

Uruguay, often overlooked, ranks 14th on the Global Retirement Index and 52nd on the Global Peace Index. Known for its low crime rates and political stability, Uruguay provides retirees with a peaceful lifestyle and a friendly, welcoming community. With easy access to both the beach and countryside, Uruguay offers a relaxed and affordable way of life—perfect for those from Anywhere Real Estate seeking a laid-back retirement.

Retirement Planning and Global Peace Index

When considering potential retirement destinations, the Global Peace Index is an important factor. In 2024, the United States ranked 132nd on the Global Peace Index, which is much lower than many of the countries listed by International Living. For Anywhere Real Estate employees seeking peace of mind, it's important to consider not only the cost of living but also the stability and tranquility of the country.

For those planning to retire abroad, the level of stability should be a key consideration. Retirees who settle in countries with high Global Peace Index scores are more likely to feel at ease, allowing them to enjoy their retirement without the concerns of living in an unstable region. Whether it’s the peaceful streets of Portugal, the cultural harmony of Malaysia, or the natural beauty of Costa Rica, these countries offer retirees, including those from Anywhere Real Estate, the ideal setting for a worry-free life.

In Conclusion

Retirement is a time to enjoy the fruits of years of hard work and planning, and choosing the right location is essential for a fulfilling future. According to International Living, the most peaceful retirement locations offer a blend of affordability, stability, and tranquility, making them perfect for those seeking a calm and enjoyable lifestyle. By considering both the Global Retirement Index and the Global Peace Index, Anywhere Real Estate employees can make informed decisions about where to spend their golden years, helping them enjoy a high quality of life and stability.

Many of the countries on this list, including Portugal and Malaysia, also provide retirees with significant financial advantages. Portugal, for example, offers a tax structure for non-habitual residents that allows retirees to enjoy tax exemptions on certain types of income for up to ten years. Malaysia also offers tax breaks, including exemptions on foreign pension income. These tax benefits can help reduce the overall cost of retirement abroad, which may be particularly appealing for Anywhere Real Estate employees looking to stretch their retirement savings.

For Anywhere Real Estate employees planning their retirement, exploring these countries may provide the perfect opportunity to enjoy a tranquil and affordable retirement. Consider retiring in a place that offers both financial incentives and a calm, tranquil environment where you can truly unwind. 

Selecting the right retirement destination is like choosing a second home. The United States, while offering many benefits, can be like living in a bustling city where the constant activity may detract from the tranquility you desire. Countries like Portugal, Malaysia, and Costa Rica offer a quieter, more peaceful environment—much like a relaxing retreat—where you can enjoy the calm and serenity of retirement, making them the perfect destination for Anywhere Real Estate employees seeking a less stressful future.

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Sources:

1. International Living Editorial Team. 'The 2025 Annual Global Retirement Index.'   International Living , Apr. 2025,  https://internationalliving.com/the-best-places-to-retire/?utm_source=chatgpt.com .

2. Institute for Economics & Peace. 'Global Peace Index 2024.'   Vision of Humanity , June 2024,  https://www.economicsandpeace.org/wp-content/uploads/2024/06/GPI-2024-web.pdf?utm_source=chatgpt.com .

3. Travel + Leisure Editorial Team. 'These Countries Were Just Named Safer for Retirees Than the U.S.'   Travel + Leisure , May 2025,  https://www.travelandleisure.com/countries-safer-for-retirement-than-usa-11739864?utm_source=chatgpt.com .

4. Kiplinger Editorial Team. 'Retire in Costa Rica for Expat Heaven.'   Kiplinger , May 2025,  https://www.kiplinger.com/retirement/happy-retirement/retire-in-costa-rica-for-expat-heaven?utm_source=chatgpt.com .

5. SeniorLiving.org Editorial Team. 'Best Places to Retire for Seniors in 2025.'   SeniorLiving.org , Mar. 2025,  https://www.seniorliving.org/retirement/best-places/?utm_source=chatgpt.com .

What type of 401(k) plan does Anywhere Real Estate offer to its employees?

Anywhere Real Estate offers a traditional 401(k) plan that allows employees to save for retirement on a tax-deferred basis.

Does Anywhere Real Estate provide a matching contribution for its 401(k) plan?

Yes, Anywhere Real Estate provides a matching contribution to employee 401(k) accounts, which helps employees maximize their retirement savings.

What is the eligibility requirement for employees to participate in the Anywhere Real Estate 401(k) plan?

Employees of Anywhere Real Estate become eligible to participate in the 401(k) plan after completing a specified period of service, typically within the first year of employment.

Can employees at Anywhere Real Estate choose how much to contribute to their 401(k) plan?

Yes, employees at Anywhere Real Estate can choose to contribute a percentage of their salary to their 401(k) plan, within IRS limits.

What investment options are available in the Anywhere Real Estate 401(k) plan?

The Anywhere Real Estate 401(k) plan offers a variety of investment options, including mutual funds, target-date funds, and other investment vehicles.

Are there any fees associated with the 401(k) plan at Anywhere Real Estate?

Yes, Anywhere Real Estate's 401(k) plan may have administrative fees and investment-related fees, which are disclosed in the plan documents.

How often can employees change their contribution amounts in the Anywhere Real Estate 401(k) plan?

Employees at Anywhere Real Estate can change their contribution amounts at designated times throughout the year, usually during open enrollment periods.

Does Anywhere Real Estate offer financial education resources for employees regarding their 401(k) plan?

Yes, Anywhere Real Estate provides financial education resources and tools to help employees make informed decisions about their 401(k) savings.

What happens to the 401(k) plan if an employee leaves Anywhere Real Estate?

If an employee leaves Anywhere Real Estate, they can roll over their 401(k) balance to another retirement account, cash out, or leave the funds in the plan, depending on the plan's rules.

Is there a loan provision in the Anywhere Real Estate 401(k) plan?

Yes, the Anywhere Real Estate 401(k) plan may allow employees to take loans against their account balance, subject to specific terms and conditions.

With the current political climate we are in it is important to keep up with current news and remain knowledgeable about your benefits.
Anywhere Real Estate offers employees a 401(k) plan called the "Anywhere Real Estate Group Employee Savings Plan." The plan encourages employees to save for retirement with tax-favored treatment and provides a wide range of investment options to suit different employee preferences. The plan includes automatic enrollment for eligible employees, typically after completing a minimum of one year of service, and allows for immediate vesting in the company match contributions after a certain period of time. The company has also implemented catch-up contributions for employees aged 50 and older, allowing them to contribute additional amounts each year​
In January 2023, Anywhere Real Estate announced another round of layoffs following cuts made in mid-2022. The company revealed that it had reduced its workforce by 11% due to declining housing market trends. They are also winding down their RealSure program, a cash-offer service for home sellers. These cuts are part of broader cost-reduction efforts aimed at adapting to ongoing market downturns. The company has committed to focusing more on digital innovations, lead generation, and supporting franchisees​
Anywhere Real Estate offers various stock options and Restricted Stock Units (RSUs) to its employees, structured to enhance retention and reward performance. These RSUs are typically awarded to higher-level employees, including executives, as part of a long-term incentive plan. For example, in 2022 and 2023, RSUs were granted based on performance metrics such as the company's revenue and EBITDA targets​ (Anywhere Real Estate Inc.). The stock options provided to employees allow them to purchase shares of Anywhere Real Estate (NYSE: HOUS) at a set price, which is generally the market price at the time of the grant. These options typically vest over a three-year period​
Coverage Extensions (2023-2024): In 2024, Anywhere expanded its health benefits to address the needs of elder caregiving and menopause support. These additional benefits reflect the company’s focus on supporting employees through various life stages, aiming to cater to both mid-career professionals and retirees​ (Home Page). Emphasis on Financial Planning Integration: The company encourages employees to integrate healthcare planning with financial management, offering resources to help navigate Medicare Advantage and other insurance changes. These services are especially beneficial for those nearing retirement​ (Home Page). Digital Healthcare and Accessibility: Digital health services are a priority for Anywhere, as the company focuses on delivering healthcare resources through online platforms. This digital shift is part of their broader strategy to enhance consumer experiences, integrating healthcare seamlessly into employees' real estate and financial planning​
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For more information you can reach the plan administrator for Anywhere Real Estate at 175 Park Ave Madison, NJ 7940; or by calling them at (973) 407-2000.

https://turbotax.intuit.com/tax-tips/retirement/net-unrealized-appreciation-nua-tax-treatment-amp-strategies/c71vBJZ2B https://www.investopedia.com/terms/n/netunrealizedappreciation.asp https://www.key.com/kpb/our-insights/articles/net-unrealized-appreciation.html https://www.thinkadvisor.com/2024/05/20/understanding-net-unrealized-appreciation/ https://anywhere.re/rewards/401k-retirement-planning/ https://southfloridaagentmagazine.com/2023/01/10/anywhere-real-estate-layoffs/ https://therealdeal.com/new-york/2023/01/10/anywhere-announces-more-layoffs-shutters-ibuying/ https://www.einnews.com/pr_news/584645135/2023-pension-buyouts-how-interest-rates-are-affecting-lump-sum-offers https://kpmg.com/us/en/home/insights/2023/11/tnf-notice-2023-75-pension-plans-cost-of-living-adjustments-2024.html https://www.milliman.com/en/insight/2023-lump-sums-defined-benefit-plans-much-lower-as-interest-rates-rise https://intellizence.com/insights/layoff-downsizing/leading-companies-announcing-layoffs-and-hiring-freezes/ https://www.bdo.com/insights/assurance/how-furloughs-and-layoffs-may-affect-company-retirement-plans https://en.wikipedia.org/wiki/Anywhere_Real_Estate https://www.theretirementgroup.com/featured-article/5448105/how-to-make-the-most-of-your-anywhere-real-estate-health-plan-in-2024 https://www.realestatenews.com/2023/01/10/anywhere-announces-layoffs-strategy-changes https://anywhere.re/ https://www.theretirementgroup.com/featured-article/5448105/how-to-make-the-most-of-your-anywhere-real-estate-health-plan-in-2024 https://www.thelayoff.org/?gd_place=anywhere-real-estate https://southfloridaagentmagazine.com/2023/01/10/anywhere-real-estate-layoffs/ https://www.realtrends.com/articles/anywhere-is-the-latest-real-estate-firm-to-make-layoffs/ https://ir.anywhere.re/news/news-details/2024/Anywhere-to-Release-Full-Year-2023-Financial-Results-and-Host-Webcast-on-February-15-2024/default.aspx https://therealdeal.com/national/2024/04/25/anywhere-optimistic-post-nar-settlement/

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