New Update: Healthcare Costs Increasing by Over 60% in Some States. Will you be impacted?

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

'loanDepot 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.

'loanDepot 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 loanDepot employees.

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

For loanDepot 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 loanDepot employees seeking a less stressful future.

Featured Video

Articles you may find interesting:

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 loanDepot offer to its employees?

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

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

Yes, loanDepot provides a matching contribution to employee 401(k) contributions, helping to enhance retirement savings.

What is the eligibility requirement to participate in loanDepot's 401(k) plan?

Employees at loanDepot are eligible to participate in the 401(k) plan after completing a specified period of employment, typically 30 days.

Can loanDepot employees choose how to invest their 401(k) contributions?

Yes, loanDepot employees can choose from a variety of investment options within the 401(k) plan to align with their retirement goals.

How often can loanDepot employees change their 401(k) contribution amounts?

loanDepot employees can change their 401(k) contribution amounts at any time, subject to plan rules.

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

Yes, loanDepot has a vesting schedule for matching contributions, which means employees must work for a certain period before they fully own the match.

What is the maximum contribution limit for loanDepot's 401(k) plan?

The maximum contribution limit for loanDepot's 401(k) plan is in accordance with IRS guidelines, which can change annually.

Does loanDepot offer a Roth 401(k) option?

Yes, loanDepot offers a Roth 401(k) option, allowing employees to contribute after-tax dollars to their retirement savings.

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

Yes, loanDepot allows employees to take loans against their 401(k) savings, subject to specific terms and conditions.

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

If loanDepot employees leave the company, they can choose to roll over their 401(k) balance to another retirement account or leave it in the loanDepot plan, depending on the balance.

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

LoanDepot offers a 401(k) plan for its employees, with contribution limits consistent with federal regulations. In 2023, employees could contribute up to $22,500, while those aged 50 and older could contribute an additional $7,500 as a catch-up contribution, raising their total to $30,000. In 2024, these limits increased to $23,000 and $7,500, respectively. LoanDepot's 401(k) plan also allows for combined employee and employer contributions, with the total limit set at $66,000 in 2023 and increasing to $69,000 in 2024. Employees may also make after-tax contributions if allowed by the plan, subject to total contribution limits (Fidelity) (Pension Rights Center). In terms of pension plans, LoanDepot follows federal guidelines under the Employee Retirement Income Security Act (ERISA). Employees receive a summary plan description (SPD) upon enrolling in the plan, detailing service requirements, vesting schedules, and benefit calculations. The plan administrator is required to provide these details, which help employees understand when they can start participating in the plan and how their benefits are calculated. LoanDepot also offers an annual report on plan assets, ensuring transparency for participants (DOL) (Pension Rights Center).

Restructuring and Layoffs: In July 2023, loanDepot implemented a significant round of layoffs, affecting approximately 2,000 employees. This is part of a broader restructuring effort in response to rising interest rates and a downturn in the housing market. The company continues to reduce its workforce to maintain profitability amid declining mortgage volumes. Importance: The layoffs at loanDepot reflect broader trends in the financial services industry, where companies are adjusting to higher interest rates and reduced demand for mortgage products. It is essential to address this news due to the ongoing economic uncertainty and the ripple effects of political decisions, such as the Federal Reserve's monetary policies, on the mortgage industry. Additionally, tax policy changes could influence housing market behavior, making it vital for employees and investors to stay informed about these restructuring efforts to make well-informed decisions.

loanDepot has structured its employee compensation plans to include stock options and Restricted Stock Units (RSUs), focusing on aligning employee incentives with company growth and performance. For 2022, 2023, and 2024, loanDepot has made RSUs available primarily to executive leadership and key employees. These RSUs are part of their long-term incentive plan, designed to reward employees based on the company’s performance over time. RSUs typically vest over several years, providing employees with shares of loanDepot stock at predetermined intervals, subject to continued employment. In addition to RSUs, loanDepot has offered stock options, though these have been less frequently granted in recent years compared to RSUs. Stock options give employees the right to purchase shares of loanDepot stock at a set price, usually based on the stock price at the time of the grant. Both stock options and RSUs are available to select employees, usually in senior roles, but broader availability has been limited as the company restructures its compensation framework in response to market conditions. RSUs, particularly through loanDepot's executive compensation program, are designed to retain top talent and reward long-term contributions to the company. Vesting typically spans a 3-4 year period, incentivizing retention and aligning with shareholder interests. Documentation of these plans can be found in loanDepot's SEC filings, including their annual proxy reports. For example, details on RSU grants and stock option availability for 2022 and 2023 are outlined in the 2023 Annual Report and 2022 Proxy Statement (loanDepot) (loanDepot) (loanDepot). These reports provide specifics on the number of RSUs granted and the vesting schedules, with key details found on pages 34 and 58 of the 2023 Proxy Statement.

loanDepot offers a comprehensive health benefits package to its employees, including multiple options for medical, dental, and vision coverage. Their medical plans typically feature Preferred Provider Organization (PPO) and Health Maintenance Organization (HMO) options, catering to a wide range of employee needs. The company has emphasized mental health support as part of its overall well-being program, providing access to resources such as therapy sessions, wellness coaching, and mental health hotlines. Additionally, loanDepot includes coverage for preventive services, with an emphasis on annual health checkups and screenings to promote early detection and wellness among employees. These benefits are designed to align with loanDepot's broader strategic goals under their Vision 2025 plan, which focuses on cost savings while maintaining essential employee benefits. In the context of the current economic and political environment, discussing loanDepot's healthcare benefits is crucial as the company navigates financial challenges, including significant losses reported in recent years. The ability to maintain robust health benefits, even in the face of cost-cutting measures, reflects the company’s commitment to its workforce. With healthcare costs rising nationwide and ongoing debates around healthcare policy, the company's approach to providing accessible and comprehensive health coverage can have significant implications for employee satisfaction and retention. Furthermore, in a time of economic uncertainty, offering strong healthcare benefits helps ensure that employees remain healthy and productive, which is vital for the company's operational success.

Additional Articles

Check Out Articles for loanDepot employees

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

https://intellizence.com/insights/layoff-downsizing/major-companies-that-announced-mass-layoffs/ https://www1.salary.com/LCI-INDUSTRIES-Executive-Salaries.html https://last10k.com/sec-filings/lcii https://www.businesswire.com/news/home/20240816155891/en/LCI-Industries-Declares-Quarterly-Cash-Dividend/ https://www.thelayoff.com/loandepot#google_vignette https://investors.loandepot.com/news/corporate-and-financial-news/corporate-and-financial-news-details/2024/loanDepot-Announces-First-Quarter-2024-Financial-Results/default.aspx https://www.milliman.com/en/insight/2023-lump-sums-defined-benefit-plans-much-lower-as-interest-rates-rise https://www.emparion.com/cash-balance-pension-plan-faq/ https://www.odysseyadvisors.com/insights/blog/what-is-a-cash-balance-plan-your-top-questions-answered/ https://www.kiplinger.com/retirement/cash-balance-pension-plan-options https://www.fidelity.com/learning-center/smart-money/401k-contribution-limits https://pensionrights.org/resource/retirement-plan-contribution-and-benefit-limits/ https://www.dol.gov/general/topic/retirement/planinformation https://investors.loandepot.com/financials/Annual-Report-and-Proxy/default.aspx https://www.glassdoor.com/index.htm https://www.wealthenhancement.com/s/tools-calculators benefit-plans-much-lower-as-interest-rates-rise https://www.irs.gov/retirement-plans/pension-plan-funding-segment-rates https://www.mpamag.com/us/news/general/loandepot-eyes-acquisitions-partnerships-amid-challenging-market/462425