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

'Moderna 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.

'Moderna 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 Moderna employees.

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

For Moderna 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 Moderna 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 Moderna?

Moderna offers a 401(k) plan that allows employees to save for retirement by contributing a portion of their salary on a pre-tax or Roth after-tax basis.

How can I enroll in Moderna's 401(k) plan?

Employees can enroll in Moderna's 401(k) plan through the company’s benefits portal during the open enrollment period or within 30 days of their hire date.

Does Moderna offer a company match for the 401(k) contributions?

Yes, Moderna provides a company match for employee contributions to the 401(k) plan, which helps boost retirement savings.

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

For 2023, the maximum contribution limit for Moderna's 401(k) plan is $22,500, with an additional catch-up contribution of $7,500 for employees aged 50 and older.

Can I change my contribution percentage to Moderna's 401(k) plan?

Yes, employees can change their contribution percentage to Moderna's 401(k) plan at any time through the benefits portal.

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

Moderna's 401(k) plan offers a variety of investment options, including mutual funds, target-date funds, and company stock.

How often can I change my investment choices in Moderna's 401(k) plan?

Employees can change their investment choices in Moderna's 401(k) plan at any time, allowing for flexibility in managing their retirement savings.

Is there a vesting schedule for the company match in Moderna's 401(k) plan?

Yes, Moderna has a vesting schedule for the company match, which typically requires employees to work for a certain number of years before they fully own the matched contributions.

Can I take a loan against my 401(k) with Moderna?

Yes, Moderna allows employees to take loans against their 401(k) balance, subject to specific terms and conditions outlined in the plan document.

What happens to my 401(k) plan if I leave Moderna?

If you leave Moderna, you have several options for your 401(k) plan, including rolling it over to an IRA or a new employer's plan, cashing it out, or leaving it with Moderna.

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

Moderna offers a comprehensive retirement benefits package, which includes a defined contribution 401(k) plan. The company's 401(k) plan allows employees to make contributions through payroll deductions, with Moderna matching contributions based on employee elections. As of 2023, the contribution limit for Moderna employees participating in the 401(k) plan is $22,500, with an additional catch-up contribution of $7,500 for employees aged 50 and older (Mondaq) (KPMG). These limits reflect increases compared to the prior year, consistent with IRS guidelines. The plan offers both traditional 401(k) and Roth 401(k) options, allowing for tax-deferred or post-tax contributions, depending on the employee's financial strategy. Moderna also offers employer matching contributions, enhancing retirement savings for participating employees. Moderna’s plan provides various investment options, allowing employees to customize their retirement portfolios based on risk tolerance and retirement goals (Mondaq). Moderna uses its own specific acronyms, such as "RSP" (Retirement Savings Plan) for the 401(k) plan and "ModMatch" for its matching contribution feature. Employees become eligible for the 401(k) plan upon hire, and those who work at least 500 hours over three consecutive 12-month periods qualify to make contributions starting January 2024, as part of the SECURE Act amendments

Moderna announced layoffs in 2024, primarily affecting its manufacturing unit, as part of a resizing strategy linked to its COVID production footprint. The company decided to cut jobs due to reduced demand for its COVID-related products and to optimize manufacturing costs. CEO Stéphane Bancel emphasized the importance of ongoing cost improvements in manufacturing as the company pivots away from focusing solely on COVID vaccines toward a broader pharmaceutical portfolio. Moderna expanded its headcount by 44% in 2023, but these layoffs reflect a necessary adjustment to its business strategy moving forward (FiercePharma).

Moderna provides its employees with stock options and Restricted Stock Units (RSUs) as part of their long-term incentive compensation. These programs are designed to align employee interests with shareholder value by granting ownership stakes in Moderna. Employees may receive Non-Qualified Stock Options (NSOs) and RSUs, which vest over time. NSOs give employees the right to buy Moderna stock at a pre-determined price, while RSUs grant shares upon vesting without the need for an initial purchase (SEC.gov) (Moderna). In 2022, Moderna reported that its stock option grants focused on driving financial and operational goals, including stock price appreciation. The company ensures that the majority of executive compensation is tied to at-risk components like stock options and RSUs. These awards are typically available to executives and employees in key roles (SEC.gov) (Moderna). The RSU program at Moderna also emphasizes long-term retention and performance, rewarding employees based on their contributions to the company's success. Moderna's stock options and RSU plans in 2023 and 2024 remained focused on aligning long-term incentives with business objectives, including the expansion of its pipeline and manufacturing capacity (SEC.gov). Executives and high-performing employees across various departments are eligible for these equity awards, ensuring their incentives are linked to Moderna’s overall performance (Moderna).

Health Insurance Options: Moderna provides multiple insurance plans, including health, dental, and vision coverage, ensuring that employees have access to preventive and medical care. These plans also include options for telemedicine and wellness care, reflecting industry trends. Lifestyle Spending Account: This program offers employees an annual allowance they can use towards fitness, nutrition, and other wellness activities, helping them maintain a healthy lifestyle. Personal Enrichment Benefit: This unique benefit provides an annual stipend for personal growth, such as attending language classes or certification programs like yoga instruction. Mental Health Support: Moderna prioritizes mental health with programs that offer support through Employee Assistance Programs (EAP), which include confidential counseling services. Family and Parental Benefits: The company has generous parental leave programs and fertility benefits, which have become standard in their competitive benefits package.

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

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