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

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'KKR 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.

'KKR 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 KKR employees.

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

For KKR 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 KKR 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 plan does KKR offer to its employees?

KKR offers a 401(k) retirement savings plan to its employees.

How can KKR employees enroll in the 401(k) plan?

KKR employees can enroll in the 401(k) plan by completing the enrollment process through the company’s HR portal.

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

Yes, KKR provides a matching contribution to employees' 401(k) plans, subject to certain limits.

What is the maximum contribution limit for KKR employees in the 401(k) plan?

The maximum contribution limit for KKR employees in the 401(k) plan is determined by the IRS and may change annually.

Can KKR employees change their contribution percentage at any time?

Yes, KKR employees can change their contribution percentage at any time, subject to the plan’s guidelines.

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

KKR’s 401(k) plan offers a variety of investment options, including mutual funds and target-date funds.

Is there a vesting schedule for KKR's 401(k) matching contributions?

Yes, KKR has a vesting schedule for its matching contributions, which determines when employees fully own those funds.

Can KKR employees take loans against their 401(k) savings?

Yes, KKR employees may have the option to take loans against their 401(k) savings, depending on the plan’s rules.

What happens to KKR employees' 401(k) accounts if they leave the company?

If KKR employees leave the company, they can roll over their 401(k) accounts to another retirement account or leave them with KKR, subject to plan provisions.

Does KKR provide financial education resources for employees regarding their 401(k) plans?

Yes, KKR offers financial education resources to help employees understand and manage their 401(k) plans effectively.

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: KKR Pension Plan Eligibility: Employees are generally eligible if they have completed 5 years of service and are at least 55 years old. Pension Formula: The formula is based on years of service and final average salary. Name of 401(k) Plan: KKR 401(k) Savings Plan Eligibility: Employees who have completed 1 year of service are eligible.
Restructuring and Layoffs: KKR announced a restructuring plan aimed at streamlining its operations and focusing on core investment areas. This includes layoffs primarily in non-core divisions and a consolidation of certain administrative functions. This move is part of a broader strategy to adapt to current market conditions and optimize operational efficiency. It is crucial for stakeholders to stay informed about these changes given the volatile economic environment, which could impact investment strategies and employee benefits.
Kohlberg Kravis Roberts & Co. (KKR) provided details on their employee stock options and RSUs in their annual report. Stock Options (SO): KKR grants stock options primarily to senior executives and key employees as part of their long-term incentive program. RSUs: KKR offers RSUs to executives and high-potential employees, typically vesting over a period of 3-5 years.
HMO (Health Maintenance Organization): A type of health insurance plan that requires members to use a network of doctors and hospitals. PPO (Preferred Provider Organization): A health insurance plan that offers more flexibility in choosing healthcare providers. HDHP (High Deductible Health Plan): A plan with a higher deductible but lower premiums, often paired with a Health Savings Account (HSA). HSA (Health Savings Account): A tax-advantaged savings account for people with high-deductible health plans to save for medical expenses. EAP (Employee Assistance Program): A work-based program that provides employees with free access to counseling and other support services.
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