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Morgan Stanley Employees Take on the World: Exploring the Best Overseas Retirement Spots for 2025

'Morgan Stanley employees exploring international retirement can enhance their lifestyle by planning carefully around healthcare, tax considerations, and residency requirements abroad.' – Paul Bergeron, a representative of The Retirement Group, a division of Wealth Enhancement Group.

'Morgan Stanley employees nearing retirement should view overseas living as a strategic lifestyle choice that combines financial efficiency with rich cultural experiences—when approached with thoughtful planning.' – Tyson Mavar, a representative of The Retirement Group, a division of Wealth Enhancement Group.

In this article, we will discuss:

The growing trend of retiring abroad and its increasing allure among Americans.
Top international retirement destinations and their unique attractions, as highlighted in the 2025 Retirement Overseas Index.
Key considerations for transitioning to an overseas lifestyle, including residency visas, tax benefits, and healthcare options.

For Morgan Stanley employees seeking a meaningful vacation or a permanent change of scenery after retirement, the idea of retiring abroad might be enticing. Recent trends show more Americans interested in international living. According to a Gallup poll, interest grew to 21% by 2024 from 10% in 2011. Improved global connectivity and broader social acceptance globally are contributing to this rising curiosity.

The 2025 Retirement Overseas Index by Live & Invest Overseas shows why people move abroad. This index rates retirement destinations on cost of living, healthcare quality, local regulations, tax considerations, and proximity to beaches, museums, and nature trails. Such factors are essential for retirement security.

The index considers some cities as good retirement spots. Valencia in Spain has an expat community and a Mediterranean climate for leisure and culture. And Medellin, Colombia, meanwhile, is an active urban area with a varied culinary and cultural scene for retirees looking for a dynamic lifestyle.

Transitioning to an overseas lifestyle takes planning. From choosing the right travel insurance to learning from current expats, Morgan Stanley retirees can prepare for life abroad. Those efforts enable informed decision-making and realistic expectations for those prepared to live internationally.

Understanding residency is also important for retirees moving. For example, Portugal offers the D7 retirement visa, which has accessible income requirements and offers great healthcare and tax advantages. The historical richness, relaxed lifestyle, and beautiful landscape of Portugal are highlighted in the 2025 Retirement Overseas Index.

Find out where to retire abroad in 2025. Explore top options like Valencia and Medellin - both known for their cultural vibrancy, quality healthcare, affordability, and friendly environments. Taxes, residency visas, and leisure tips for retiring Americans abroad. Ideal for Morgan Stanley workers looking for a beachy experience after work.

From Valencia's old-world charm to Medellin's cultural capital, each destination offers something different - like picking a wine for retirement. So, whether it's the soft familiarity of Valencia or the wild energy of Medellin, retirees can choose where to retire by weighing costs of living, healthcare, and local community - like choosing a wine by vineyard, vintage, and flavor profile.

Retiring abroad offers lower cost of living, affordable healthcare, and exposure to other cultures. The five sources that support these points are listed below with brief explanations of how they benefit retirees and strengthen the case for international retirement.

Articles you may find interesting:

Source:

1. Investopedia Staff. 'Is Retiring Abroad Right for You? Key Factors to Consider Now.' Investopedia , Nov. 2024, www.investopedia.com/is-retiring-abroad-right-for-you-key-factors-to-consider-now-8415232 .

2. Tubongbanua, Rachelle. 'Retiring Abroad: Financial Factors to Consider.' U.S. Bank , Oct. 2024, www.usbank.com/financialiq/inspire/retirement/retiring-abroad-financial-factors-to-consider.html .

3. Ingrim, Alex. 'The Pros and Cons of Retiring Abroad.' Kiplinger , July 2023, www.kiplinger.com/retirement/retiring-abroad/the-pros-and-cons-of-retiring-abroad .

4. U.S. News Staff. 'Best Places to Retire Overseas in 2025.' U.S. News & World Report , Jan. 2025, www.usnews.com/money/retirement/articles/best-places-to-retire-overseas-in-2025 .

5. Investopedia Staff. 'Retirees Flock to These Countries for Unmatched Benefits—Is Yours on the List?' Investopedia , Oct. 2024, www.investopedia.com/retirees-flock-to-these-countries-for-unmatched-benefits-8421893 .

What is the 401(k) plan offered by Morgan Stanley?

The 401(k) plan at Morgan Stanley is a retirement savings plan that allows employees to save a portion of their paycheck before taxes are taken out.

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

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

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

The maximum contribution limit for Morgan Stanley's 401(k) plan is in line with the IRS limits, which may change annually. Employees should check the latest IRS guidelines for the current limit.

Can employees at Morgan Stanley take loans against their 401(k) savings?

Yes, Morgan Stanley allows employees to take loans against their 401(k) savings under certain conditions, subject to the plan's rules.

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

Morgan Stanley's 401(k) plan offers a variety of investment options, including mutual funds, stocks, and bonds, allowing employees to tailor their investment strategy.

How can employees at Morgan Stanley enroll in the 401(k) plan?

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

Is there a waiting period for new employees to join Morgan Stanley's 401(k) plan?

Morgan Stanley typically allows new employees to enroll in the 401(k) plan immediately or within a short period after their start date, but specific details can vary.

How often can employees change their contribution amount to Morgan Stanley's 401(k) plan?

Employees at Morgan Stanley can change their contribution amount to the 401(k) plan on a regular basis, usually at any time during the year.

What happens to my 401(k) savings if I leave Morgan Stanley?

If you leave Morgan Stanley, you have several options for your 401(k) savings, including rolling it over to another retirement account, cashing it out, or leaving it in the Morgan Stanley plan if permitted.

Does Morgan Stanley provide financial education regarding the 401(k) plan?

Yes, Morgan Stanley offers financial education resources and tools to help employees understand their 401(k) plan and make informed investment decisions.