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

'IQVIA Holdings 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.

'IQVIA Holdings 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 IQVIA Holdings employees.

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

For IQVIA Holdings 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 IQVIA Holdings 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 IQVIA Holdings?

The 401(k) plan at IQVIA Holdings is a retirement savings plan that allows employees to save a portion of their salary before taxes are deducted.

Does IQVIA Holdings match employee contributions to the 401(k) plan?

Yes, IQVIA Holdings offers a matching contribution to the 401(k) plan, which helps employees increase their retirement savings.

What is the eligibility requirement for IQVIA Holdings' 401(k) plan?

Employees of IQVIA Holdings are typically eligible to participate in the 401(k) plan after completing a specified period of service, usually within the first year of employment.

How can employees enroll in the 401(k) plan at IQVIA Holdings?

Employees can enroll in the IQVIA Holdings 401(k) plan through the company's benefits portal or by contacting the HR department for assistance.

What types of investment options are available in the IQVIA Holdings 401(k) plan?

The IQVIA Holdings 401(k) plan offers a variety of investment options, including mutual funds, stocks, and bonds, allowing employees to choose based on their risk tolerance.

Can employees take loans against their 401(k) savings at IQVIA Holdings?

Yes, IQVIA Holdings allows employees to take loans against their 401(k) savings, subject to certain terms and conditions outlined in the plan.

What happens to the 401(k) plan if an employee leaves IQVIA Holdings?

If an employee leaves IQVIA Holdings, they have several options for their 401(k) savings, including rolling it over to another retirement account or cashing it out, though taxes and penalties may apply.

Is there a vesting schedule for the employer match in the IQVIA Holdings 401(k) plan?

Yes, IQVIA Holdings has a vesting schedule for the employer match, which means that employees must work for the company for a certain period before they fully own the matched contributions.

How often can employees change their contribution percentage in the IQVIA Holdings 401(k) plan?

Employees can change their contribution percentage to the IQVIA Holdings 401(k) plan at specified intervals, typically during open enrollment or at any time throughout the year.

Does IQVIA Holdings provide financial education resources for employees regarding the 401(k) plan?

Yes, IQVIA Holdings offers financial education resources and workshops to help employees understand their 401(k) options and make informed investment decisions.

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

Name of Pension Plan: IQVIA Holdings Pension Plan (confirm the exact name from the latest plan documents). Qualification Requirements: Years of Service: Typically, employees need to have completed a minimum of 5 years of service. Age: Generally, employees must reach age 55 to start receiving benefits. Pension Formula: The pension formula usually involves a calculation based on the average salary during the highest earning years and years of service. For example, it might be a percentage of the final average salary multiplied by years of service. IQVIA Holdings 401(k) Plan (verify the exact name from the latest plan documents). Qualification Requirements: Employees are generally eligible to participate in the 401(k) plan after completing a probationary period, often around 30 to 90 days of employment.

Restructuring and Layoffs: In early 2024, IQVIA Holdings announced a significant restructuring plan that involved layoffs across various departments. The company's decision to reduce its workforce was attributed to the need for increased operational efficiency and alignment with current market demands. The restructuring aimed to streamline processes and improve overall productivity.

IQVIA Holdings offers stock options and RSUs as part of its compensation package to attract and retain employees. IQVIA Holdings grants are typically provided to senior executives, key employees, and high performers, with specific vesting schedules. In IQVIA Holdings' 2022 filings, RSUs were granted with a vesting schedule based on performance metrics and tenure. IQVIA Holdings continues to use these grants to align employee interests with company performance. For IQVIA Holdings in 2023 and 2024, stock options and RSUs are available with updated performance criteria and adjusted grant amounts based on market conditions and individual performance.

Health Benefits: The official IQVIA careers page or employee benefits section typically details their health benefits. This includes medical, dental, vision insurance, and possibly wellness programs. Terms and Acronyms: Common terms might include PPO (Preferred Provider Organization), HSA (Health Savings Account), FSA (Flexible Spending Account), and EAP (Employee Assistance Program).