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These Countries Are Safer for Retirees Than the U.S. – What Intuitive Surgical Employees Need to Know

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'Intuitive Surgical 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.

'Intuitive Surgical 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 Intuitive Surgical employees.

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

For Intuitive Surgical 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 Intuitive Surgical 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 retirement savings plan does Intuitive Surgical offer to its employees?

Intuitive Surgical offers a 401(k) retirement savings plan to help employees save for their future.

Is there a company match for contributions to the 401(k) plan at Intuitive Surgical?

Yes, Intuitive Surgical provides a company match for employee contributions to the 401(k) plan, subject to specific terms and conditions.

How can I enroll in the 401(k) plan at Intuitive Surgical?

Employees can enroll in the 401(k) plan at Intuitive Surgical by completing the enrollment process through the company’s benefits portal or contacting HR for assistance.

What is the eligibility requirement for participating in Intuitive Surgical's 401(k) plan?

To participate in Intuitive Surgical's 401(k) plan, employees typically need to meet certain eligibility requirements, such as being a full-time employee and completing a specified period of service.

Can I change my contribution amount to the 401(k) plan at Intuitive Surgical?

Yes, employees at Intuitive Surgical can change their contribution amounts to the 401(k) plan at any time, subject to the plan's guidelines.

What investment options are available in Intuitive Surgical's 401(k) plan?

Intuitive Surgical's 401(k) plan offers a variety of investment options, including mutual funds, target-date funds, and other investment vehicles to suit different risk tolerances.

When can I access my 401(k) funds after leaving Intuitive Surgical?

After leaving Intuitive Surgical, employees can access their 401(k) funds according to the plan's distribution rules, which may include options like rollovers or cash withdrawals.

Does Intuitive Surgical offer financial advice for 401(k) participants?

Yes, Intuitive Surgical may provide access to financial advisors or resources to help employees make informed decisions about their 401(k) investments.

Are there any fees associated with Intuitive Surgical's 401(k) plan?

Yes, there may be fees associated with Intuitive Surgical's 401(k) plan, which can include administrative fees and investment-related fees, as outlined in the plan documents.

How often can I review my 401(k) account at Intuitive Surgical?

Employees can review their 401(k) account at Intuitive Surgical as often as they like, typically through the online benefits portal.

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

Intuitive Surgical offers a comprehensive 401(k) plan known as the "Intuitive Surgical, Inc. 401(k) Plan." This is a defined contribution plan, meaning that employees can contribute a portion of their salary into the plan, and Intuitive Surgical may also contribute, particularly through profit-sharing based on the company’s earnings. The 401(k) plan allows participants to direct the investment of their accounts, with options including default investments for those who do not make specific selections. This plan was established to help employees save for retirement, and it provides flexibility in how funds can be managed and withdrawn, particularly in situations requiring a Qualified Domestic Relations Order (QDRO). The company also provides life and disability insurance at no cost to the employees and a stock purchase plan, allowing employees to buy Intuitive Surgical stock at a discounted rate. The 401(k) plan is administered by Intuitive Surgical itself, with the headquarters located in Sunnyvale, California. For years of service and age qualification for the 401(k) plan, the company follows standard practices where employees become eligible to participate upon meeting certain age and service requirements, though specific details on this aspect are typically found in the plan's summary documents.

In 2023 and 2024, Intuitive Surgical has experienced financial restructuring driven by the evolving economic environment. They have not announced large-scale layoffs, but there has been a steady focus on cost optimization (Intuitive Surgical) (Intuitive Surgical). The company has also revised long-term incentive plans and stock-based compensation, including phantom share awards for employees in China. These changes are tied to strategic performance metrics, which could impact the company’s workforce and benefits as it aligns with its financial goals (Intuitive Surgical).

Intuitive Surgical (ISRG) offers stock options and Restricted Stock Units (RSUs) through its 2010 Incentive Award Plan. Eligible employees, particularly in leadership and key roles, receive annual grants of stock options and RSUs. In 2022, RSUs with a target value of $1.5 million were granted to senior executives, aligning compensation with company performance. For 2023 and 2024, the company continues to offer RSUs and stock options to incentivize long-term retention, primarily to executives and employees in strategic roles.

Health Insurance and Healthcare Navigation: Intuitive provides comprehensive health, dental, and vision insurance, including telehealth services. Employees have access to Accolade, a healthcare navigator, which helps them manage medical inquiries and navigate the complexities of the healthcare system (Intuitive Surgical Careers) (Intuitive Surgical Careers). Mental Health and Emotional Support: Employees and their families can access mental health services through Lyra, which offers 12 free sessions per year. The platform is designed to streamline the process of finding the right therapist based on individual preferences (Intuitive Surgical Careers) (Intuitive Surgical Careers). Family Planning and Fertility Services: Intuitive offers fertility support through Progyny and Maven, providing in-vitro fertilization (IVF), surrogacy support, and postpartum care. These services include access to a network of fertility specialists and comprehensive pregnancy support (Intuitive Surgical Careers) (Intuitive Surgical Careers). Cancer and Chronic Disease Support: Employees benefit from specialized support services for cancer and chronic diseases like diabetes and obesity. They have access to second opinions and personalized treatment plans, along with concierge support for navigating complex care (Intuitive Surgical Careers) (Intuitive Surgical Careers). Other Notable Benefits: Intuitive provides gender-affirming care, virtual physical therapy, weight management programs, and services for caregivers. Employees also receive 8 weeks of paid parental leave, flexible time off, and coverage for surrogacy up to $20,000

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For more information you can reach the plan administrator for Intuitive Surgical at , ; or by calling them at .

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