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More and more Americans are retirin
More and more Americans are retiring abroad. As of 2013, 373,224 retired Americans were living outside the U.S – an increase of 25.000 more than two years before. One big reason is that Americans do not, as a rule, save enough money to live the way they’d like to in the U.S., once they’re on Social Security.
So if you have traveled to Vietnam in recent years and found it a very appealing place, you might want to consider actually moving there when you retire. Actually, even those who have never been there might choose it for a new home. Vietnam is famous for its beautiful beaches and surprisingly enough, also famous for its friendliness to Americans.
As Seymour Hersh said in the New Yorker’s March 30, 2015, issue, “Diplomatically, the U.S. is considered a friend, a potential ally against China. Thousands of Vietnamese who worked for or with the Americans during the Vietnam War fled to the United States in 1975. Some of their children have confounded their parents by returning to Communist Vietnam, despite its many ills.” So they too are Americans and expats. You’ll have company.
Each year, International Living’s Global Retirement Index ranks retirement destinations around the world, measuring factors such as climate, healthcare, benefits and discounts, and cost of living. Vietnam scored 100 on IL’s 2015 Cost of Living measurement, meaning that its cost of living is the lowest.
International Living also shows that most expats can live comfortably in Vietnam for about $800 to $1,200 a month. Some basic math shows that if you live on $800 per month – probably the lowest amount for which most retirees could live comfortably – your $200,000 savings account would last about 21 years ($200,000 ÷ $800 = 250 months, or 20.8 years); live on $1,200 a month (probably a safer estimate) and your savings would last 14 years ($200,000 ÷ $1,200 = 166.66 months, or almost 13.9 years). This is, of course, a basic example that assumes your monthly expenses stay exactly the same over the years, that your retirement savings are not growing through investment, and that you have no other income or expenses (e.g., tax liabilities) during retirement.
It’s also an example that leaves out Social Security, which most Americans get, for an average of $1,328 a month – over $2,000 for a couple. That, of course, will make all the difference in giving you flexibility in your retirement. You will have the money to make trips home occasionally, for example, or to survive a bit of inflation. Having your income based on the dollar, the world’s most valued currency, also makes a big difference in foreign lands. When looking up prices on the internet, keep in mind that as this is written, 100,000 VND are worth less than 5 USD (actually, $4.63 on April 13, 2015) and that has remained the same for several years.
According to Expat Arrivals, more and more modern apartments are being built in Vietnam. These complexes usually include laundries, gyms and swimming pools. Rent for such a two-bedroom apartment might be about 14 million VND per month in Ho Chi Minh City (formerly Saigon), but such places are also available to buy as condominiums (prices are better negotiated on site). Expatlife.com says to use just one agent in the housing search, because “as most of them use the same database of available accommodation, you would probably end up viewing the same places again and again, wasting both time and money. Only consider changing agents if you're not being shown the types of property you want.”
As to other expenses, prices vary all over the country, just as housing does. They will be higher in big cities, especially in the centers of those cities, and lower as you move outside the center of the city. On average, though, an inner-city bus fare is 5,000 VNDs for a single journey and a taxi in Ho Chi Minh City is VND 12,000 per kilometer. As one popular comparative web site (numbeo.com) puts it, consumer prices, including rent, are 50.21% lower in Vietnam than in the United States, grocery prices are 52.80% lower, and restaurant prices (especially important if one of you — or both — says he or she is sick of cooking) are a whopping 68.58% lower, although one example they cite, a meal for two in an inexpensive restaurant is, at the equivalent of $1.85, a significant 81.48% lower! And the food in Vietnam is very high quality, according to everyone who’s been there – tending toward the French in the North (Hanoi) and American in the South (Ho Chi Minh City).
One big advantage of choosing Vietnam is the fact that many Vietnamese know English, and more are learning every day. (English is a mandatory course in primary schools, but some older Vietnamese will speak more French than English.) Learning the language of a new country is usually a very difficult part of adjusting to a new culture. But here is where Americans are in luck: “The more technology and globalization has progressed and diffused, the more English plays an important role in the world,” according to Erika Sakaguchi, a Japanese university degree candidate. And the Vietnamese very much want to do business with Americans.
The Bottom Line
The uncertainty of anyone's lifespan makes it impossible to predict if $200,000 alone (in addition to Social Security) would be enough to last through retirement anywhere – even in a country with a low cost of living such as Vietnam. But there is absolutely no doubt that living abroad during retirement can offer U.S. citizens a better quality of life for their money. You can stretch your retirement dollars much further.
As with any retirement destination abroad, it’s a good idea to visit the area more than once before making any decisions – and try to visit from a resident’s perspective, rather than as a tourist (in this case, maybe one long, investigative visit would do it). Seek out expats when you’re there; they’ll have discovered a lot that might coincide with your own perspective, and they will probably be happy to share that information.
In addition, taxes for those retiring abroad can be quite complicated. As such, it is always recommended that you work with a qualified attorney and/or tax specialist when making plans for retiring abroad. Be sure to check out Plan Your Retirement Abroad on Investopedia, as well as Top 5 Things To Do When You Retire, and the wealth of blogs and websites about retiring in Vietnam. Google that phrase and you will find almost more information than you can possibly handle, all of which needs to be confirmed when you go.
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So if you have traveled to Vietnam in recent years and found it a very appealing place, you might want to consider actually moving there when you retire. Actually, even those who have never been there might choose it for a new home. Vietnam is famous for its beautiful beaches and surprisingly enough, also famous for its friendliness to Americans.
As Seymour Hersh said in the New Yorker’s March 30, 2015, issue, “Diplomatically, the U.S. is considered a friend, a potential ally against China. Thousands of Vietnamese who worked for or with the Americans during the Vietnam War fled to the United States in 1975. Some of their children have confounded their parents by returning to Communist Vietnam, despite its many ills.” So they too are Americans and expats. You’ll have company.
Each year, International Living’s Global Retirement Index ranks retirement destinations around the world, measuring factors such as climate, healthcare, benefits and discounts, and cost of living. Vietnam scored 100 on IL’s 2015 Cost of Living measurement, meaning that its cost of living is the lowest.
International Living also shows that most expats can live comfortably in Vietnam for about $800 to $1,200 a month. Some basic math shows that if you live on $800 per month – probably the lowest amount for which most retirees could live comfortably – your $200,000 savings account would last about 21 years ($200,000 ÷ $800 = 250 months, or 20.8 years); live on $1,200 a month (probably a safer estimate) and your savings would last 14 years ($200,000 ÷ $1,200 = 166.66 months, or almost 13.9 years). This is, of course, a basic example that assumes your monthly expenses stay exactly the same over the years, that your retirement savings are not growing through investment, and that you have no other income or expenses (e.g., tax liabilities) during retirement.
It’s also an example that leaves out Social Security, which most Americans get, for an average of $1,328 a month – over $2,000 for a couple. That, of course, will make all the difference in giving you flexibility in your retirement. You will have the money to make trips home occasionally, for example, or to survive a bit of inflation. Having your income based on the dollar, the world’s most valued currency, also makes a big difference in foreign lands. When looking up prices on the internet, keep in mind that as this is written, 100,000 VND are worth less than 5 USD (actually, $4.63 on April 13, 2015) and that has remained the same for several years.
According to Expat Arrivals, more and more modern apartments are being built in Vietnam. These complexes usually include laundries, gyms and swimming pools. Rent for such a two-bedroom apartment might be about 14 million VND per month in Ho Chi Minh City (formerly Saigon), but such places are also available to buy as condominiums (prices are better negotiated on site). Expatlife.com says to use just one agent in the housing search, because “as most of them use the same database of available accommodation, you would probably end up viewing the same places again and again, wasting both time and money. Only consider changing agents if you're not being shown the types of property you want.”
As to other expenses, prices vary all over the country, just as housing does. They will be higher in big cities, especially in the centers of those cities, and lower as you move outside the center of the city. On average, though, an inner-city bus fare is 5,000 VNDs for a single journey and a taxi in Ho Chi Minh City is VND 12,000 per kilometer. As one popular comparative web site (numbeo.com) puts it, consumer prices, including rent, are 50.21% lower in Vietnam than in the United States, grocery prices are 52.80% lower, and restaurant prices (especially important if one of you — or both — says he or she is sick of cooking) are a whopping 68.58% lower, although one example they cite, a meal for two in an inexpensive restaurant is, at the equivalent of $1.85, a significant 81.48% lower! And the food in Vietnam is very high quality, according to everyone who’s been there – tending toward the French in the North (Hanoi) and American in the South (Ho Chi Minh City).
One big advantage of choosing Vietnam is the fact that many Vietnamese know English, and more are learning every day. (English is a mandatory course in primary schools, but some older Vietnamese will speak more French than English.) Learning the language of a new country is usually a very difficult part of adjusting to a new culture. But here is where Americans are in luck: “The more technology and globalization has progressed and diffused, the more English plays an important role in the world,” according to Erika Sakaguchi, a Japanese university degree candidate. And the Vietnamese very much want to do business with Americans.
The Bottom Line
The uncertainty of anyone's lifespan makes it impossible to predict if $200,000 alone (in addition to Social Security) would be enough to last through retirement anywhere – even in a country with a low cost of living such as Vietnam. But there is absolutely no doubt that living abroad during retirement can offer U.S. citizens a better quality of life for their money. You can stretch your retirement dollars much further.
As with any retirement destination abroad, it’s a good idea to visit the area more than once before making any decisions – and try to visit from a resident’s perspective, rather than as a tourist (in this case, maybe one long, investigative visit would do it). Seek out expats when you’re there; they’ll have discovered a lot that might coincide with your own perspective, and they will probably be happy to share that information.
In addition, taxes for those retiring abroad can be quite complicated. As such, it is always recommended that you work with a qualified attorney and/or tax specialist when making plans for retiring abroad. Be sure to check out Plan Your Retirement Abroad on Investopedia, as well as Top 5 Things To Do When You Retire, and the wealth of blogs and websites about retiring in Vietnam. Google that phrase and you will find almost more information than you can possibly handle, all of which needs to be confirmed when you go.
Get Out of Debt – Start Making Money
Want to get out of debt, get a mortgage and save for retirement? Investopedia’s FREE Personal Finance newsletter shows you 7 Steps to Become Financially Independent. Take control of your money and Click here to start managing your finances like the pros.
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Read more: http://www.investopedia.com/articles/personal-finance/042115/retire-vietnam-200000-savings.asp#ixzz3Ywlzt6B6
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More and more Americans are retiring abroad. As of 2013, 373,224 retired Americans were living outside the U.S – an increase of 25.000 more than two years before. One big reason is that Americans do not, as a rule, save enough money to live the way they’d like to in the U.S., once they’re on Social Security.
So if you have traveled to Vietnam in recent years and found it a very appealing place, you might want to consider actually moving there when you retire. Actually, even those who have never been there might choose it for a new home. Vietnam is famous for its beautiful beaches and surprisingly enough, also famous for its friendliness to Americans.
As Seymour Hersh said in the New Yorker’s March 30, 2015, issue, “Diplomatically, the U.S. is considered a friend, a potential ally against China. Thousands of Vietnamese who worked for or with the Americans during the Vietnam War fled to the United States in 1975. Some of their children have confounded their parents by returning to Communist Vietnam, despite its many ills.” So they too are Americans and expats. You’ll have company.
Each year, International Living’s Global Retirement Index ranks retirement destinations around the world, measuring factors such as climate, healthcare, benefits and discounts, and cost of living. Vietnam scored 100 on IL’s 2015 Cost of Living measurement, meaning that its cost of living is the lowest.
International Living also shows that most expats can live comfortably in Vietnam for about $800 to $1,200 a month. Some basic math shows that if you live on $800 per month – probably the lowest amount for which most retirees could live comfortably – your $200,000 savings account would last about 21 years ($200,000 ÷ $800 = 250 months, or 20.8 years); live on $1,200 a month (probably a safer estimate) and your savings would last 14 years ($200,000 ÷ $1,200 = 166.66 months, or almost 13.9 years). This is, of course, a basic example that assumes your monthly expenses stay exactly the same over the years, that your retirement savings are not growing through investment, and that you have no other income or expenses (e.g., tax liabilities) during retirement.
It’s also an example that leaves out Social Security, which most Americans get, for an average of $1,328 a month – over $2,000 for a couple. That, of course, will make all the difference in giving you flexibility in your retirement. You will have the money to make trips home occasionally, for example, or to survive a bit of inflation. Having your income based on the dollar, the world’s most valued currency, also makes a big difference in foreign lands. When looking up prices on the internet, keep in mind that as this is written, 100,000 VND are worth less than 5 USD (actually, $4.63 on April 13, 2015) and that has remained the same for several years.
According to Expat Arrivals, more and more modern apartments are being built in Vietnam. These complexes usually include laundries, gyms and swimming pools. Rent for such a two-bedroom apartment might be about 14 million VND per month in Ho Chi Minh City (formerly Saigon), but such places are also available to buy as condominiums (prices are better negotiated on site). Expatlife.com says to use just one agent in the housing search, because “as most of them use the same database of available accommodation, you would probably end up viewing the same places again and again, wasting both time and money. Only consider changing agents if you're not being shown the types of property you want.”
As to other expenses, prices vary all over the country, just as housing does. They will be higher in big cities, especially in the centers of those cities, and lower as you move outside the center of the city. On average, though, an inner-city bus fare is 5,000 VNDs for a single journey and a taxi in Ho Chi Minh City is VND 12,000 per kilometer. As one popular comparative web site (numbeo.com) puts it, consumer prices, including rent, are 50.21% lower in Vietnam than in the United States, grocery prices are 52.80% lower, and restaurant prices (especially important if one of you — or both — says he or she is sick of cooking) are a whopping 68.58% lower, although one example they cite, a meal for two in an inexpensive restaurant is, at the equivalent of $1.85, a significant 81.48% lower! And the food in Vietnam is very high quality, according to everyone who’s been there – tending toward the French in the North (Hanoi) and American in the South (Ho Chi Minh City).
One big advantage of choosing Vietnam is the fact that many Vietnamese know English, and more are learning every day. (English is a mandatory course in primary schools, but some older Vietnamese will speak more French than English.) Learning the language of a new country is usually a very difficult part of adjusting to a new culture. But here is where Americans are in luck: “The more technology and globalization has progressed and diffused, the more English plays an important role in the world,” according to Erika Sakaguchi, a Japanese university degree candidate. And the Vietnamese very much want to do business with Americans.
The Bottom Line
The uncertainty of anyone's lifespan makes it impossible to predict if $200,000 alone (in addition to Social Security) would be enough to last through retirement anywhere – even in a country with a low cost of living such as Vietnam. But there is absolutely no doubt that living abroad during retirement can offer U.S. citizens a better quality of life for their money. You can stretch your retirement dollars much further.
As with any retirement destination abroad, it’s a good idea to visit the area more than once before making any decisions – and try to visit from a resident’s perspective, rather than as a tourist (in this case, maybe one long, investigative visit would do it). Seek out expats when you’re there; they’ll have discovered a lot that might coincide with your own perspective, and they will probably be happy to share that information.
In addition, taxes for those retiring abroad can be quite complicated. As such, it is always recommended that you work with a qualified attorney and/or tax specialist when making plans for retiring abroad. Be sure to check out Plan Your Retirement Abroad on Investopedia, as well as Top 5 Things To Do When You Retire, and the wealth of blogs and websites about retiring in Vietnam. Google that phrase and you will find almost more information than you can possibly handle, all of which needs to be confirmed when you go.
Get Out of Debt – Start Making Money
Want to get out of debt, get a mortgage and save for retirement? Investopedia’s FREE Personal Finance newsletter shows you 7 Steps to Become Financially Independent. Take control of your money and Click here to start managing your finances like the pros.
TAGS:
Read more: http://www.investopedia.com/articles/personal-finance/042115/retire-vietnam-200000-savings.asp#ixzz3Ywlzt6B6
Follow us: @Investopedia on Twitter
So if you have traveled to Vietnam in recent years and found it a very appealing place, you might want to consider actually moving there when you retire. Actually, even those who have never been there might choose it for a new home. Vietnam is famous for its beautiful beaches and surprisingly enough, also famous for its friendliness to Americans.
As Seymour Hersh said in the New Yorker’s March 30, 2015, issue, “Diplomatically, the U.S. is considered a friend, a potential ally against China. Thousands of Vietnamese who worked for or with the Americans during the Vietnam War fled to the United States in 1975. Some of their children have confounded their parents by returning to Communist Vietnam, despite its many ills.” So they too are Americans and expats. You’ll have company.
Each year, International Living’s Global Retirement Index ranks retirement destinations around the world, measuring factors such as climate, healthcare, benefits and discounts, and cost of living. Vietnam scored 100 on IL’s 2015 Cost of Living measurement, meaning that its cost of living is the lowest.
International Living also shows that most expats can live comfortably in Vietnam for about $800 to $1,200 a month. Some basic math shows that if you live on $800 per month – probably the lowest amount for which most retirees could live comfortably – your $200,000 savings account would last about 21 years ($200,000 ÷ $800 = 250 months, or 20.8 years); live on $1,200 a month (probably a safer estimate) and your savings would last 14 years ($200,000 ÷ $1,200 = 166.66 months, or almost 13.9 years). This is, of course, a basic example that assumes your monthly expenses stay exactly the same over the years, that your retirement savings are not growing through investment, and that you have no other income or expenses (e.g., tax liabilities) during retirement.
It’s also an example that leaves out Social Security, which most Americans get, for an average of $1,328 a month – over $2,000 for a couple. That, of course, will make all the difference in giving you flexibility in your retirement. You will have the money to make trips home occasionally, for example, or to survive a bit of inflation. Having your income based on the dollar, the world’s most valued currency, also makes a big difference in foreign lands. When looking up prices on the internet, keep in mind that as this is written, 100,000 VND are worth less than 5 USD (actually, $4.63 on April 13, 2015) and that has remained the same for several years.
According to Expat Arrivals, more and more modern apartments are being built in Vietnam. These complexes usually include laundries, gyms and swimming pools. Rent for such a two-bedroom apartment might be about 14 million VND per month in Ho Chi Minh City (formerly Saigon), but such places are also available to buy as condominiums (prices are better negotiated on site). Expatlife.com says to use just one agent in the housing search, because “as most of them use the same database of available accommodation, you would probably end up viewing the same places again and again, wasting both time and money. Only consider changing agents if you're not being shown the types of property you want.”
As to other expenses, prices vary all over the country, just as housing does. They will be higher in big cities, especially in the centers of those cities, and lower as you move outside the center of the city. On average, though, an inner-city bus fare is 5,000 VNDs for a single journey and a taxi in Ho Chi Minh City is VND 12,000 per kilometer. As one popular comparative web site (numbeo.com) puts it, consumer prices, including rent, are 50.21% lower in Vietnam than in the United States, grocery prices are 52.80% lower, and restaurant prices (especially important if one of you — or both — says he or she is sick of cooking) are a whopping 68.58% lower, although one example they cite, a meal for two in an inexpensive restaurant is, at the equivalent of $1.85, a significant 81.48% lower! And the food in Vietnam is very high quality, according to everyone who’s been there – tending toward the French in the North (Hanoi) and American in the South (Ho Chi Minh City).
One big advantage of choosing Vietnam is the fact that many Vietnamese know English, and more are learning every day. (English is a mandatory course in primary schools, but some older Vietnamese will speak more French than English.) Learning the language of a new country is usually a very difficult part of adjusting to a new culture. But here is where Americans are in luck: “The more technology and globalization has progressed and diffused, the more English plays an important role in the world,” according to Erika Sakaguchi, a Japanese university degree candidate. And the Vietnamese very much want to do business with Americans.
The Bottom Line
The uncertainty of anyone's lifespan makes it impossible to predict if $200,000 alone (in addition to Social Security) would be enough to last through retirement anywhere – even in a country with a low cost of living such as Vietnam. But there is absolutely no doubt that living abroad during retirement can offer U.S. citizens a better quality of life for their money. You can stretch your retirement dollars much further.
As with any retirement destination abroad, it’s a good idea to visit the area more than once before making any decisions – and try to visit from a resident’s perspective, rather than as a tourist (in this case, maybe one long, investigative visit would do it). Seek out expats when you’re there; they’ll have discovered a lot that might coincide with your own perspective, and they will probably be happy to share that information.
In addition, taxes for those retiring abroad can be quite complicated. As such, it is always recommended that you work with a qualified attorney and/or tax specialist when making plans for retiring abroad. Be sure to check out Plan Your Retirement Abroad on Investopedia, as well as Top 5 Things To Do When You Retire, and the wealth of blogs and websites about retiring in Vietnam. Google that phrase and you will find almost more information than you can possibly handle, all of which needs to be confirmed when you go.
Get Out of Debt – Start Making Money
Want to get out of debt, get a mortgage and save for retirement? Investopedia’s FREE Personal Finance newsletter shows you 7 Steps to Become Financially Independent. Take control of your money and Click here to start managing your finances like the pros.
TAGS:
Read more: http://www.investopedia.com/articles/personal-finance/042115/retire-vietnam-200000-savings.asp#ixzz3Ywlzt6B6
Follow us: @Investopedia on Twitter
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Ngày càng có nhiều người Mỹ đang nghỉ hưu ở nước ngoài. Tính đến năm 2013, 373.224 người Mỹ đã về hưu sống bên ngoài nước Mỹ - tăng 25.000 hơn hai năm trước. Một lý do lớn là người Mỹ không, như một quy luật, tiết kiệm đủ tiền để sống theo cách mà họ muốn ở Mỹ, một khi họ về an ninh xã hội. Vì vậy, nếu bạn đã đi du lịch đến Việt Nam trong những năm gần đây và thấy nó một nơi rất hấp dẫn, bạn có thể muốn xem xét việc thực sự di chuyển ở đó khi bạn nghỉ hưu. Trên thực tế, ngay cả những người chưa bao giờ có thể chọn nó cho một ngôi nhà mới. Việt Nam nổi tiếng với những bãi biển đẹp và đủ ngạc nhiên, cũng nổi tiếng với sự thân thiện của nó đối với người Mỹ. Như Seymour Hersh nói trong Tháng Ba 30, 2015, vấn đề của tờ The New Yorker, "ngoại giao, Mỹ được coi là một người bạn, một đồng minh tiềm năng chống lại Trung Quốc. Hàng ngàn người Việt Nam làm việc cho hoặc với người Mỹ trong chiến tranh Việt Nam trốn sang Hoa Kỳ vào năm 1975. Một số con cái của họ đã xấu hổ cha mẹ của họ bằng cách quay lại Cộng sản Việt Nam, mặc dù nhiều căn bệnh của nó. "Vì vậy, họ cũng là người Mỹ và người nước ngoài. Bạn sẽ có công ty. Mỗi năm, Index Living hưu trí toàn cầu của quốc tế xếp hạng khu nghỉ hưu trên toàn thế giới, đo lường các yếu tố như khí hậu, y tế, lợi ích và giảm giá, và chi phí sinh hoạt. Việt Nam ghi được 100 trên IL của 2015 Chi phí sống đo lường, có nghĩa là chi phí của nó sống là thấp nhất. Living International cũng cho thấy hầu hết người nước ngoài có thể sống thoải mái tại Việt Nam với giá khoảng $ 800 đến $ 1200 một tháng. Một số thuật toán cơ bản cho thấy rằng nếu bạn sống trên $ 800 mỗi tháng - có lẽ là số tiền thấp nhất mà hầu hết người về hưu có thể sống thoải mái - $ 200,000 tài khoản tiết kiệm của bạn sẽ kéo dài khoảng 21 năm ($ 200.000 ÷ 800 $ = 250 tháng, hoặc 20,8 năm); sống trên $ 1,200 một tháng (có thể là một ước tính an toàn hơn) và tiết kiệm của bạn sẽ kéo dài 14 năm ($ 200.000 ÷ $ 1,200 = 166,66 tháng, tương đương gần 13,9 năm). Đây là, tất nhiên, một ví dụ cơ bản, cho rằng chi phí hàng tháng của bạn giữ nguyên như cũ trong những năm qua, mà tiết kiệm hưu trí của bạn không được phát triển thông qua đầu tư, và rằng bạn không có thu nhập khác hoặc chi phí (ví dụ, nợ thuế) trong thời gian nghỉ hưu. Đó cũng là một ví dụ mà lá ra an sinh xã hội, trong đó hầu hết người Mỹ, trung bình khoảng $ 1,328 một tháng - trên 2.000 USD cho một cặp vợ chồng. Điều đó, tất nhiên, sẽ làm cho tất cả sự khác biệt trong đem lại cho bạn sự linh hoạt trong lúc nghỉ hưu. Bạn sẽ có tiền để làm cho chuyến đi về nhà đôi khi, ví dụ, hoặc để tồn tại một chút lạm phát. Có thu nhập của bạn dựa trên đồng đô la, tiền tệ có giá trị nhất trên thế giới, cũng làm cho một sự khác biệt lớn ở những vùng đất lạ. Khi nhìn lên giá trên internet, hãy nhớ rằng vì đây là văn bản, 100.000 đồng có giá trị nhỏ hơn 5 USD (trên thực tế, 4,63 $ vào ngày 13 Tháng Tư năm 2015) và đã không thay đổi trong nhiều năm. Theo người nước ngoài Arrivals, ngày càng nhiều căn hộ hiện đại đang được xây dựng tại Việt Nam. Những phức hợp thường bao gồm giặt ủi, phòng tập thể dục và hồ bơi. Thuê một căn hộ hai phòng ngủ này có thể là khoảng 14 triệu đồng mỗi tháng tại thành phố Hồ Chí Minh (Sài Gòn cũ), nhưng những nơi như vậy cũng có sẵn để mua như chung cư cao tầng (giá cả thương lượng tốt hơn trên trang web). Expatlife.com nói để sử dụng chỉ là một đại lý trong việc tìm kiếm nhà ở, vì "như hầu hết trong số họ sử dụng các cơ sở dữ liệu cùng một chỗ ở có sẵn, bạn có lẽ sẽ kết thúc xem những nơi tương tự một lần nữa và một lần nữa, lãng phí cả thời gian và tiền bạc. Chỉ xem xét việc thay đổi đại lý nếu bạn đang không được hiển thị các loại tài sản mà bạn muốn. " Khi đến các chi phí khác, giá cả khác nhau trên cả nước, cũng như nhà ở không. Họ sẽ cao hơn ở các thành phố lớn, đặc biệt là tại các trung tâm của những thành phố này, và thấp hơn khi bạn di chuyển bên ngoài trung tâm thành phố. Tính trung bình, mặc dù, một vé xe buýt nội thành là 5.000 VND cho một hành trình duy nhất và một taxi tại thành phố Hồ Chí Minh là 12.000 đồng mỗi km. Là một trong những trang web so sánh phổ biến (numbeo.com) đặt nó, giá tiêu dùng, bao gồm cả tiền thuê nhà, thấp hơn 50,21% so với ở Việt Nam tại Hoa Kỳ, giá hàng tạp hóa thấp hơn 52.80%, và giá nhà hàng (đặc biệt quan trọng nếu một trong các bạn - hoặc cả hai - cho biết người đó là bệnh của nấu ăn) là thấp hơn một con số khổng lồ 68,58%, mặc dù là một ví dụ, họ trích dẫn, một bữa ăn cho hai người trong một nhà hàng rẻ tiền là, tại tương đương $ 1.85, thấp hơn một đáng kể 81,48%! Và thực phẩm ở Việt Nam là chất lượng rất cao, theo tất cả mọi người ai đã từng như - chăm sóc đối với người Pháp tại miền Bắc (Hà Nội) và Mỹ ở miền Nam (Thành phố Hồ Chí Minh). Một lợi thế lớn của việc lựa chọn Việt Nam là một thực tế rằng nhiều Việt biết tiếng Anh, và nhiều hơn nữa đang học mỗi ngày. (Tiếng Anh là một khóa học bắt buộc trong trường tiểu học, nhưng một số người Việt lớn tuổi sẽ nói nhiều hơn Pháp hơn tiếng Anh.) Học ngôn ngữ của một đất nước mới thường là một phần rất khó khăn trong việc thích nghi với một nền văn hóa mới. Nhưng đây là nơi mà người Mỹ là người may mắn: "Các công nghệ hơn và toàn cầu hóa đã tiến triển và lan tỏa, sự tiếng Anh nhiều hơn đóng một vai trò quan trọng trên thế giới," theo Erika Sakaguchi, một ứng cử viên trình độ đại học của Nhật Bản. Và người Việt Nam rất muốn làm kinh doanh với người Mỹ. The Bottom Line Sự không chắc chắn về tuổi thọ của bất cứ ai làm cho nó không thể dự đoán nếu $ 200,000 một mình (ngoài An Sinh Xã Hội) sẽ đủ để kéo dài qua các quỹ hưu trí ở bất cứ đâu - thậm chí trong một đất nước có chi phí sinh hoạt thấp như Việt Nam. Nhưng hoàn toàn không có nghi ngờ rằng sống ở nước ngoài trong thời gian nghỉ hưu có thể cung cấp cho công dân Hoa Kỳ một chất lượng cuộc sống tốt hơn cho tiền của họ. Bạn có thể kéo dài USD hưu của mình nhiều hơn nữa. Như với bất kỳ điểm đến nghỉ hưu ở nước ngoài, đó là một ý tưởng tốt để truy cập khu vực này nhiều hơn một lần trước khi đưa ra bất kỳ quyết định - và cố gắng truy cập từ góc độ của người cư trú, chứ không phải là một khách du lịch (trong trường hợp này , có lẽ con đường dài, lần điều tra sẽ làm điều đó). Tìm ra người nước ngoài khi bạn đang ở đó; họ sẽ khám phá ra rất nhiều điều mà có thể trùng với quan điểm của riêng bạn, và họ có thể sẽ được hạnh phúc để chia sẻ thông tin đó. Ngoài ra, các loại thuế cho những người về hưu ở nước ngoài có thể khá phức tạp. Như vậy, nó luôn luôn khuyến khích bạn làm việc với một luật sư có trình độ và / hoặc chuyên viên thuế khi lập kế hoạch cho nghỉ hưu ở nước ngoài. Hãy chắc chắn để kiểm tra kế hoạch hưu trí của bạn ở nước ngoài về Investopedia, cũng như Top 5 Những điều Để làm gì Khi Bạn Nghỉ hưu, và sự giàu có của các blog và các trang web về nghỉ hưu tại Việt Nam. . Google cụm từ đó và bạn sẽ tìm thấy hầu như nhiều thông tin hơn bạn có thể xử lý, tất cả đều cần phải được xác nhận khi bạn đi Get Out of Debt - bắt đầu kiếm tiền Muốn để thoát khỏi nợ nần, có được một thế chấp và tiết kiệm cho hưu trí? Bản tin miễn phí Tài chính cá nhân Investopedia cho thấy bạn 7 bước để Trở Về mặt tài chính độc lập. Hãy kiểm soát tiền của bạn và Click vào đây để bắt đầu quản lý tài chính của bạn như những thuận. TAGS: Đọc thêm: chúng tôi:Investopedia trên Twitter
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