Retirement Solutions

for Those with Limited or No Savings

Scroll Below To Our Solutions - Indonesia, Malaysia and Thailand

In today's environment of financial repression, characterized by near 0 or even negative interest rates, and low yields on investments & savings, how can you derive an income sufficient enough to retire? What about if you have only limited savings or if you don't have any savings? We have some options for you. Fill out our form to subscribe to our free retirement information service - we will provide you some current recommendations which may be of interest to you, and we will keep you informed of new recommendations as we they become available in the future.

  1. Retire on a budget between USD 1000 to 2000 per month
  2. All inclusive assisted care services - including 3 meals a day, doctor visits and maid services
  3. Sunny warm climates
  4. Local or international options
  5. Social interaction and intellectual challenge

Reader Comments:

From Derek, who leads a hybrid life, working part of the year in California and living the rest of the time in Thailand: I have spent several months each year since 2002 in Thailand. I read your posting about the hybrid lifestyle and I agree with everything you have written. I go to Thailand mostly for family; the cost of living is just a bonus. But it is a huge bonus... I had two hernia operations (2007, 2009) in Phitsanulok, by a surgeon trained in Chicago, using Western medicine methods and equipment, each for a total price (including private, air-conditioned room for two nights) of USD$675.

From Iris R., a working professional (MS in Engineering): I am grateful that you have expanded your blog to include links to your SE Asian potential retirement destinations. Our age cohort has many problems in common. I am so grateful that you focused some of your attention on the challenges we all will face – namely, aging with dignity and affordable, high-quality health care. In particular, I appreciate your discussion about aging in a society that has respect for old people.

From Peter, who has been retired and living independently in Thailand for 10+ years: The language barriers (and related cultural barriers) here are massive. I have to deal with that every day. But in a retirement resort, you'd be comfortably insulated from all of it. It is a major factor in favor of a retirement resort.

How Financial Repression is Making it Difficult to Retire

A MUST READ: Charles Hugh Smith has written an essay to consider the options for retirement given little or no savings. He addresses many of the issues and challenges involved - LINK HERE: Charles Hugh Smith Retirement Options Essay.

From Charles Hugh Smith: I'd like to summarize a few key points in this discussion:

1. What we've been told are financial certainties are melting into thin air.

2. Financial repression--zero interest rates, capital controls and higher taxes on retirement income--are realities that are more likely to get worse than vanish.

3. Medical costs are soaring in the West due to rising labor costs and cartel pricing (pharmaceuticals and hospital chains in the U.S.). Co-pays are increasing and options for those with limited means are declining as the government slashes fees paid via Medicaid and other programs.

4. Medical tourism to SE Asia is growing as costs are a fraction of prices in the U.S. and the staff and equipment are on par (or better) than Western facilities.

5. The cost of retiring to an assisted living facility in SE Asia is roughly one-third the average cost of assisted living facilities in the U.S.

6. This enables options for limited-means retirees that would not be open to them were they to retire in the U.S./Canada/Europe.

7. Western currencies (especially the U.S. dollar, for all the reasons I have covered for many years) will likely increase their purchasing power at the expense of emerging-market currencies such as those of SE Asia. As the USD strengthens, it buys more in SE Asia. In effect, retirees with USD will be earning more even if their income in USD remains the same as the USD appreciates against local currencies.

Also here is video discussion highly recommended to watch - Charles Hugh Smith & Gordon T Long discuss the unsustainability of pension funds for U.S. public employees, the challenges of ordinary retirees to be able to retire given the financial repression on interest rates & low yields .. while everyone is beginning to agree that most people will not be able to retire, but must keep working, many do not realize that there are already "means-testing" in place for the U.S. social security benefits because if you & your spouse keep working & make at least $44,000 per year, your U.S. social security retirement benefits will be reduced by 85%! For more information on benefits planning, visit http://www.ssa.gov/planners/taxes.html.

Coming Era of Pension Poverty with Charles Hugh Smith

Specific Senior Living Solutions In The Following Countries:

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