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These Countries Are Safer for Retirees Than the U.S. – What Fidelity National Information Services Employees Need to Know

Healthcare Provider Update: Healthcare Provider for Fidelity National Information Services Fidelity National Information Services, often referred to as FIS, primarily utilizes Cigna Healthcare as its healthcare provider for employee benefits. Cigna offers a variety of health insurance plans to FIS employees, ensuring access to essential medical services and resources. Potential Healthcare Cost Increases in 2026 As we approach 2026, healthcare consumers should prepare for significant increases in health insurance premiums. The Affordable Care Act (ACA) marketplace is set to see some of the steepest hikes since its inception, with rates in certain states jumping by over 60%. As enhanced federal premium subsidies are likely to expire without congressional action, more than 22 million Americans-92% of ACA participants-may confront out-of-pocket premium increases exceeding 75%. This trend reflects not only rising medical costs but also profit pressures from major insurers, creating a challenging environment for consumers seeking affordable healthcare options. Click here to learn more

'Fidelity National Information Services 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.

'Fidelity National Information Services 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:

The most peaceful countries for retirees in 2025, including Portugal, Malaysia, and Costa Rica.
Key factors, such as the Global Peace Index and Global Retirement Index, influencing retirement destinations.
The lifestyle and financial benefits of retiring in these peaceful countries, specifically for Fidelity National Information Services employees.

Retirement should be a time of comfort, leisure, and, most importantly, well-being. After years of hard work at Fidelity National Information Services, 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 Fidelity National Information Services 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 Fidelity National Information Services 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 Fidelity National Information Services 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 Fidelity National Information Services 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 Fidelity National Information Services 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 Fidelity National Information Services, 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 Fidelity National Information Services 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 Fidelity National Information Services 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 Fidelity National Information Services 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 Fidelity National Information Services, 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, Fidelity National Information Services 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 Fidelity National Information Services employees looking to stretch their retirement savings.

For Fidelity National Information Services 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 Fidelity National Information Services 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 is the 401(k) plan offered by Fidelity National Information Services?

The 401(k) plan at Fidelity National Information Services is a retirement savings plan that allows employees to save a portion of their salary on a pre-tax basis, helping them build a nest egg for retirement.

How can employees of Fidelity National Information Services enroll in the 401(k) plan?

Employees can enroll in the 401(k) plan by accessing the benefits portal provided by Fidelity National Information Services and completing the enrollment process online.

What are the contribution limits for the 401(k) plan at Fidelity National Information Services?

The contribution limits for the 401(k) plan at Fidelity National Information Services are set annually by the IRS, and employees should refer to the current IRS guidelines for the latest limits.

Does Fidelity National Information Services offer matching contributions to the 401(k) plan?

Yes, Fidelity National Information Services offers matching contributions to the 401(k) plan, which helps employees increase their retirement savings.

What investment options are available in the Fidelity National Information Services 401(k) plan?

The 401(k) plan at Fidelity National Information Services includes a variety of investment options, such as mutual funds, target-date funds, and other investment vehicles to suit different risk tolerances.

Can employees of Fidelity National Information Services take loans against their 401(k) savings?

Yes, employees of Fidelity National Information Services may have the option to take loans against their 401(k) savings, subject to the plan's terms and conditions.

What happens to my 401(k) account if I leave Fidelity National Information Services?

If you leave Fidelity National Information Services, you can choose to roll over your 401(k) account to another qualified retirement plan, cash it out, or leave it in the Fidelity National Information Services plan if allowed.

How often can employees change their contribution amounts to the 401(k) plan at Fidelity National Information Services?

Employees at Fidelity National Information Services can typically change their contribution amounts at any time, subject to the plan's specific rules.

Is there a vesting schedule for employer contributions in the Fidelity National Information Services 401(k) plan?

Yes, Fidelity National Information Services has a vesting schedule for employer contributions, which determines how much of the employer's contributions an employee is entitled to based on their length of service.

How can I access my 401(k) account information at Fidelity National Information Services?

Employees can access their 401(k) account information through the benefits portal provided by Fidelity National Information Services or by contacting the plan administrator.

With the current political climate we are in it is important to keep up with current news and remain knowledgeable about your benefits.

Fidelity National Information Services (FIS) offers its employees the Fidelity National Information Services, Inc. 401(k) Profit Sharing Plan through Vanguard, covering approximately 27,995 employees. The 401(k) plan includes both employee and employer contributions, with limits set by the IRS. In 2023, the maximum employee contribution to the 401(k) was $22,500, and this limit rose to $23,000 in 2024. Employees aged 50 and older are eligible for an additional catch-up contribution of $7,500, raising their total possible contribution to $30,000 in 2023 and $30,500 in 2024. Fidelity National Information Services employees can benefit from both traditional and Roth 401(k) options under this plan, which is managed through Vanguard (Capitalize) (FidelityWorkplace). The company's 401(k) plan includes employer contributions, allowing employees to benefit from profit-sharing when the company performs well. Combined employee and employer contributions were capped at $66,000 in 2023 and increased to $69,000 in 2024

Restructuring and Layoffs: In early 2023, FIS announced a significant restructuring plan aimed at optimizing its operations and reducing costs. This involved a reduction in workforce by approximately 6% to streamline its operations and enhance profitability. The company cited the need to adapt to the evolving market demands and competitive landscape as key reasons for these changes. Importance: Given the current economic uncertainty and the shifting landscape of the financial services industry, it is crucial to monitor these developments. The restructuring efforts reflect broader trends in the sector, impacted by economic conditions, investment strategies, and regulatory changes. Understanding these adjustments can provide insights into how companies are navigating the economic environment and managing their resources.

Fidelity National Information Services (FIS): In 2022, FIS provided stock options and RSUs to its employees as part of its compensation package. The stock options are typically granted to key employees and executives, while RSUs are offered more broadly across various levels of the company. This practice aligns with FIS's goal to attract and retain top talent. Fidelity National Information Services (FIS): For 2023, FIS continued offering stock options and RSUs. Stock options generally come with a vesting schedule, rewarding long-term commitment, while RSUs are often granted with performance-based vesting criteria. These incentives are designed to align employees' interests with the company's long-term goals. Fidelity National Information Services (FIS): In 2024, FIS has updated its stock options and RSU policies, focusing on increasing their competitive edge in the market. RSUs are commonly granted to senior employees and high performers, with stock options being allocated to executives and strategic hires. This approach helps FIS to maintain a motivated and engaged workforce.

Fidelity National Information Services' Financial and Industry Publications: Sources like Bloomberg, Reuters, or industry-specific publications often cover employee benefits in detail. Employee Reviews and Forums: Websites like Glassdoor or Indeed may have reviews and posts from current or former employees discussing their experiences with health benefits. Government and Legal Sources: Resources like the Department of Labor or legal databases might provide information on any recent changes or compliance issues related to employee benefits.