Spain, Australia and U.S. the 退職 hotspots for British pensioners にもかかわらず 急に上がるing cost of living abroad

By Dan Hyde
Updated: 09:52 BST, 23 August 2011

Pensioners 捜し出すing a life in the sun are retiring as far afield as Austral ia and the U.S. before they consider the south of フラン or Ireland.

A 名簿（に載せる）／表（にあげる） of 退職 hotspots by 年金 company 基準 Life shows Spain is still the number one choice for British pensioners 長，率いるing abroad.

の近くに behind are English-speaking Australia and the U.S., with フラン and Ireland making up the 最高の，を越す five most popular 目的地s.

But for many, the expat dream has drifted out of reach 予定 to the 急に上がるing cost of living abroad in 退職.

Windswept: It's a dream for many but retiring abroad is 複雑にするd and expensive and some Britons have had to return home

Pensioners have been 厳しく 攻撃する，衝突する by the 証拠不十分 of the 続けざまに猛撃する against the euro. Where a £10,000-a-year 年金 would have been the 同等（の） of ?16,500 nine years ago, today it is 価値（がある） nearly ?5,000 いっそう少なく.

In Spain, a 所有物／資産／財産 market 衝突，墜落 has seen 50 per cent wiped off the value of popular 郊外住宅s. There are 700,000 unsold new-builds across the country.

That is good news for those hoping to buy out there, bu t bad news for those who already own 所有物／資産／財産s.

The 広大な 大多数 of the 住宅 衝突，墜落 攻撃する，衝突する homes are in the south of Spain where the British have 伝統的に bought and many are who are 存在 軍隊d to return home by rising living costs are 存在 攻撃する，衝突する by a 二塁打 whammy when they try to sell their home.

Spain’s 負債 problems are pointing to an 緊縮 攻撃する，衝突する 退職 rather than a relaxed atmosphere for those considering moving there.. Along with Ireland, Greece, Portugal, フラン and Italy, Spain’s 国家財政s have teetered since the 財政上の 危機 of 2008. Spain is now in the 中央 of its worst 後退，不況 for 50 years.

In Australia, 急に上がるing インフレーション has 荒廃させるd the 明言する／公表する 年金s of half a million British expats whose payouts have been frozen.

Unlike UK-based pensioners, all Britons who retire to Canada, Australia, South Africa, and New Zealand の中で don't get their 明言する／公表する 年金 uprated in line with the cost of living.

With prices in these 非，不，無-EU 地域s rising at up to 5 per cent a year, pensioners real incomes are in 早い 拒絶する／低下する.

For example, a 65-year-old Briton retiring today and moving to Australia would get a 最大限 £102.15 basic 明言する／公表する 年金. When the pensioner 攻撃する，衝突するs 82 in 2028, their 明言する／公表する 年金 will still be £102.15, にもかかわらず the cost of living 狙撃 higher during that time.

Even in Europe, where 明言する／公表する 年金s are インフレーション-linked, the 影響s of a 弱めるing 続けざまに猛撃する have soured many pensioner couples’ dreams. In August 2007, £1 could buy ?1.48. By the 17 August 2011, the 交流 率 had fallen to ?1.14.

This means someone retiring to Europe four years ago has lost nearly a ４半期/4分の1 of the spending 力／強力にする of their UK 年金s before インフレーション even enters the picture.?

通貨 交流 companies have 報告（する）／憶測d 抱擁する 増加するs in 処理／取引s linked to 本国送還s as British pensioners have returned home.

John Lawson, of 基準 Life, says: ‘Retiring abroad is a dream for many people, but does 要求する careful planning and advice.? Many people think living abroad is cheaper than living in the UK, but this isn’t always the 事例／患者.‘

基準 Life 支払う／賃金s 3,000 年金s into foreign bank accounts and used this as the basis for its 退職 hotspot 地図／計画する.

‘Doing your homework in 前進する of moving, matching your 退職 income and 支出, and making the appropriate 決定／判定勝ち（する）s around 購入（する）ing an annuity or using income drawdown are 重要な considerations,’ Lawson 追加するs. ‘Your 退職 income could also be 支配する to 交流 率s and 通貨 fluctuations, 同様に as 地元の 税金 法律s.’