Planning to retire well? See where the US and other countries stand
- Replies 0
When you imagine your retirement, what comes to mind—peace, security, travel, or simply the freedom to unwind without worry?
For many older adults, choosing the right place to enjoy those years is a key part of the dream.
But how well does your current country support a safe and fulfilling retirement?
The newly released 2025 Global Retirement Index by Natixis Investment Managers ranks 44 nations based on how they meet the needs of aging populations.
The results might surprise you—and inspire a closer look at your own plans.
What makes a retirement-friendly country?
Experts agree that a great retirement destination offers more than just good weather.
The top factors include quality healthcare, financial stability, and a high standard of living.
But these can shift quickly with global events, political changes, or rising costs.
That’s where the Natixis Global Retirement Index comes in.
Since 2012, it has measured how well countries support their aging populations across four key areas: finances, wellbeing, health, and quality of life.
In 2025, 18 indicators were used to evaluate 44 countries, giving a data-driven look at which places are thriving—and which are falling behind.
Also read:Social Security after retirement: 6 Smart moves to make
Norway leads the world in retirement readiness
At the top of this year’s index is Norway, praised for its strong healthcare system, material wellbeing, and social protections.
Its scenic beauty doesn’t hurt, but what truly stands out is the country’s ability to support its older citizens through sound policy and public investment.
Ireland secured second place after improvements in financial management and reductions in debt and inflation.
Still, even in top-ranked countries, retirement doesn’t feel secure for everyone.
Nearly half of global respondents said they believe it would take a “miracle” to achieve financial stability in retirement.
Inflation, economic uncertainty, and high public debt continue to shape the global outlook.
Also read: Getting ready for retirement: Tips to handle this major life shift
How did the United States rank in 2025?
The United States came in at 21st place—up one spot from last year but down significantly from 10 years ago, when it ranked 15th.
The US showed progress in financial and health metrics, with gains in income per capita, tax conditions, and life expectancy.
But those were outweighed by persistent issues like widening income inequality, national debt, and declining measures of happiness.
Interestingly, Americans were more upbeat than most.
Just 21% said they’d need a miracle to retire comfortably, compared to almost half of global respondents.
Still, concerns remain—69% of Americans feel the world is unstable, and many worry about potential cuts to Medicare and Social Security in the coming years.
Also read: Why retirement savings feel harder than ever—and how Americans are adapting
Aging populations and financial strain hit many nations
The report also highlights the broader global struggle: as populations age and government budgets tighten, countries are under pressure to adapt.
Smaller nations often adjust more quickly, while larger countries face gridlock that stalls necessary reforms.
For retirees exploring international options, these findings may offer clarity.
Destinations like Portugal and the Dominican Republic are gaining popularity for their affordability and healthcare access.
While most retirees stay local, the appeal of retiring abroad continues to grow—especially as technology and remote services make relocation more feasible.
Also read: Older Americans are delaying retirement—why working after 65 is quickly becoming the new normal
Considering a move abroad? Here's what to keep in mind
Thinking about retirement in another country? You’re not alone.
Increasing numbers of Americans are looking to places like Spain, Portugal, Thailand, and New Zealand for a change of pace and lower expenses.
But relocating in later life takes more than just wanderlust.
Visa policies, access to healthcare, local cost of living, and even language barriers all deserve attention.
It’s also worth considering how distance from family and friends might impact your emotional wellbeing.
Also read: Five free or low-cost retirement perks you may be overlooking
Trying before you move: Travel can be the perfect test
Not ready to commit to an overseas move? Extended travel or seasonal stays can offer a glimpse into life abroad—without giving up your home base.
Many retirees find joy in traveling part of the year and returning home, combining the best of both worlds.
Experiencing life in a new country, even briefly, can reshape how you view your own lifestyle, finances, and long-term plans.
It might also inspire new goals for retirement that feel more attainable and fulfilling.
Whether you’re planning to explore the world or age in place, the key is to find a retirement path that supports your happiness, health, and sense of security.
No miracles required—just thoughtful choices and a bit of planning.
Read next:
We’d love to know—what makes a country feel like the right place to retire? Would you consider retiring overseas, or do you see yourself staying close to home? If you’ve already made the move, what lessons would you pass on to others?
For many older adults, choosing the right place to enjoy those years is a key part of the dream.
But how well does your current country support a safe and fulfilling retirement?
The newly released 2025 Global Retirement Index by Natixis Investment Managers ranks 44 nations based on how they meet the needs of aging populations.
The results might surprise you—and inspire a closer look at your own plans.
Retirees enjoying a relaxed afternoon abroad—a glimpse of life in top-ranked retirement destinations. Image Source: Pexels / David Nestorov.
What makes a retirement-friendly country?
Experts agree that a great retirement destination offers more than just good weather.
The top factors include quality healthcare, financial stability, and a high standard of living.
But these can shift quickly with global events, political changes, or rising costs.
That’s where the Natixis Global Retirement Index comes in.
Since 2012, it has measured how well countries support their aging populations across four key areas: finances, wellbeing, health, and quality of life.
In 2025, 18 indicators were used to evaluate 44 countries, giving a data-driven look at which places are thriving—and which are falling behind.
Also read:Social Security after retirement: 6 Smart moves to make
Norway leads the world in retirement readiness
At the top of this year’s index is Norway, praised for its strong healthcare system, material wellbeing, and social protections.
Its scenic beauty doesn’t hurt, but what truly stands out is the country’s ability to support its older citizens through sound policy and public investment.
Ireland secured second place after improvements in financial management and reductions in debt and inflation.
Still, even in top-ranked countries, retirement doesn’t feel secure for everyone.
Nearly half of global respondents said they believe it would take a “miracle” to achieve financial stability in retirement.
Inflation, economic uncertainty, and high public debt continue to shape the global outlook.
Also read: Getting ready for retirement: Tips to handle this major life shift
How did the United States rank in 2025?
The United States came in at 21st place—up one spot from last year but down significantly from 10 years ago, when it ranked 15th.
The US showed progress in financial and health metrics, with gains in income per capita, tax conditions, and life expectancy.
But those were outweighed by persistent issues like widening income inequality, national debt, and declining measures of happiness.
Interestingly, Americans were more upbeat than most.
Just 21% said they’d need a miracle to retire comfortably, compared to almost half of global respondents.
Still, concerns remain—69% of Americans feel the world is unstable, and many worry about potential cuts to Medicare and Social Security in the coming years.
Also read: Why retirement savings feel harder than ever—and how Americans are adapting
Aging populations and financial strain hit many nations
The report also highlights the broader global struggle: as populations age and government budgets tighten, countries are under pressure to adapt.
Smaller nations often adjust more quickly, while larger countries face gridlock that stalls necessary reforms.
For retirees exploring international options, these findings may offer clarity.
Destinations like Portugal and the Dominican Republic are gaining popularity for their affordability and healthcare access.
While most retirees stay local, the appeal of retiring abroad continues to grow—especially as technology and remote services make relocation more feasible.
Also read: Older Americans are delaying retirement—why working after 65 is quickly becoming the new normal
Considering a move abroad? Here's what to keep in mind
Thinking about retirement in another country? You’re not alone.
Increasing numbers of Americans are looking to places like Spain, Portugal, Thailand, and New Zealand for a change of pace and lower expenses.
But relocating in later life takes more than just wanderlust.
Visa policies, access to healthcare, local cost of living, and even language barriers all deserve attention.
It’s also worth considering how distance from family and friends might impact your emotional wellbeing.
Also read: Five free or low-cost retirement perks you may be overlooking
Trying before you move: Travel can be the perfect test
Not ready to commit to an overseas move? Extended travel or seasonal stays can offer a glimpse into life abroad—without giving up your home base.
Many retirees find joy in traveling part of the year and returning home, combining the best of both worlds.
Experiencing life in a new country, even briefly, can reshape how you view your own lifestyle, finances, and long-term plans.
It might also inspire new goals for retirement that feel more attainable and fulfilling.
Whether you’re planning to explore the world or age in place, the key is to find a retirement path that supports your happiness, health, and sense of security.
No miracles required—just thoughtful choices and a bit of planning.
Read next:
- 5 passive income ideas that can help boost your finances in retiremen
- 5 vacation spots that could quietly drain your retirement savings
- What’s holding you back from enjoying your retirement savings? 9 common obstacles—and how to move past them
We’d love to know—what makes a country feel like the right place to retire? Would you consider retiring overseas, or do you see yourself staying close to home? If you’ve already made the move, what lessons would you pass on to others?
