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An Expat Talks about Retiring in Angeles City, Philippines

Jul 03, 2018


Angeles City, Philippines

An expat in the Philippines talks about choosing to retire in Angeles City for the lower cost of living. He appreciates the Filipino people, lower crime rate and lifestyle.

What is the name of the city or town that you are reporting on?

Angeles City

Why did you choose to retire abroad?

I wanted to stretch my retirement income as far as possible and the US was/is too expensive.

Are you retired abroad all year or part of the year?

All year

Why did you choose the country you retired to?

I retired to the Philippines after many visits because it's a beautiful country, I love the people, and I can save a lot of money.

Did you ever live abroad before you retired abroad?

Yes. My previous employment required that I live in Germany (11 years) and South Korea (8 years).

How long have you lived abroad since you retired abroad?

3 years...all in the Philippines.

How many countries (other than your home country) have you lived in as a retiree?

Only the Philippines

What have been the most challenging aspects of being retired abroad?

1. Being away from family

2. Different ways of doing business in the Philippines (things move so slowly)

3. The poor image of Americans I see on tv

4. The incorreect impressions Americans have of Filipinos (and other lower income nations)

What have been the most rewarding aspects of being retired abroad?

1 I have so many friends here

2. The people for the most part (overwhelmingly) are so nice

3. Foreigners, regardless of nationality, seem to stick together and support one another

What would you do differently if you were just starting the retire abroad process?

I would do anything different. I studied long and hard before I made the final decision to retire to the Philippines.

What is life like for a retiree in your city and its surroundings? (Is there an active expat community? Cultural Attractions? Recreation? Nightlife?)

Angeles City is the home of the former US Clark Air Force Base. There are many, many foreigners here and Americans are not in the majority. Angeles City is known as the Entertainment Capital of the Philippines and nightlife abounds. There are also very good golf facilities and other recreational opportunities.

What residency documents or visas did you need to obtain to retire in your host country? How difficult was this process? (Please describe)

I moved here on a tourist visa, but was able to obtain a Special Resident Retiree Visa (SRRV) with no problem after being here 6 months.

Did you buy a home or apartment, or rent one? Is this a difficult process? (Please describe)

I bought a home and 2 townhouses. My Filipina friend signed foe the property since foreigners cannot own land. Foreigners can, however, own condominiums in there own name.

Financially, has living abroad in your host country met your expectations? Exceeded them?

Having been here before I had a good idea of what to expect after retirement. My expectations have been met (and they were gracious).

What are the most important financial considerations for retiring to your host country?

Understanding the relative cost of living, cost of services, and financial expectations of various segments of the community.

How much can a retiree live on comfortably in your host country?

That's a difficult question. It all depends on the retiree's needs and his ability to live within his means. I believe that one can make it work at almost any income level if they are willing to make the appropriate sacrifices.

Do you have access to quality medical care? (Please describe - is it close? Expensive?)

Yes. My regular physician is US trained and services most of the expats I know. His referrals for special services have been spot on. Medical costs here are exceptionally low compared to costs in the US and I have not yet needed to use my US health insurance.

Expats living in Philippines interested in expat health insurance should take a minute to get a quote from our trusted expat health insurance partner, CIGNA. Get a Quote

Expats living in Philippines interested in expat health insurance should take a minute to get a quote from our trusted expat health insurance partner, CIGNA.

Is there a lot of crime where you live? (Please describe)

No. Less crime than most places. There is crime, but if you don't look for it you probably won't find it.

Describe available transportation where you live. Do you need a car? Is there access to safe public transportation?

Public transportation is a hassle (in my view), but many of my expat friends use it. I have a car, but most places I go on a daily basis are within walking distance.

Is there high-speed internet access where you live?

Yes. I recently had fiber internet installed. It is good as long as the power is on. It serves my needs.

Do you have any other thoughts you would like to share about retiring abroad?

I would recommend it for anyone who like to explore the world and is not bound by family or finances to stay in their home country. Retiring abroad is not for everyone. But it has been a Blessing to me.

Cigna Expat Health InsuranceExpatriate Health Insurance

Get a quote for expat health insurance in Philippines from our partner, Cigna Global Health.
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Cigna International Health Insurance

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Cigna Expat Health InsuranceExpatriate Health Insurance

Get a quote for expat health insurance in Philippines from our partner, Cigna Global Health.
Get a Quote

Guide to Living in Angeles CityGuide to Living in Angeles City

Expats living in Angeles in the City live in a highly urbanized city that is fairly close to Manila. The former Clark U.S. Air Force Base is in Angeles and part of the Clark Freeport Zone.

Healthcare in PhilippinesHealthcare in Philippines

Expats in the Philippines have a lot to say about the quality of medical care, hospitals, prescription medicine availability and health insurance in the Philippines.

Restaurants in Angeles CityRestaurants in Angeles City

Support your favorite restaurants in Angeles City as they recover from the pandemic. Submit a free listing for them on Expat Exchange to help spread the word about them to the expat community.

Moving to Angeles City

An expat in Angeles City, Philippines advises others moving to the Philippines to do your research and be wary of locals with hidden agendas. She found a home in a lovely sub-division that cost a mere $180 per month, which is a fraction of what she used to pay in Germany.

Expat Healthcare & Health InsuranceExpat Healthcare & Health Insurance in Angeles City

An expat in the Philippines urges newcomers to get health insurance. Without insurance, she explained that you'll need to have a lot of cash on hand for emergency treatment. She talks about her son's hospital stay for a broken arm.

12 Tips for Living in Angeles City, Philippines12 Tips for Living in Angeles City, Philippines in Angeles City

An expat talks about living in Angeles City - the being able to live on a tight budget, Angeles City's large US military retiree population, using jeepneys and trikes to get from place to place, the heat, dining in Korea Town, international schools in Angeles City and more.

Pros-and-Cons-of-Living-in-the-PhilippinesPros and Cons of Living in the Philippines

The Philippines attracts the interest of expats from all over the world - truly has a lot to offer for a variety of different people. However, it's also important to understand the pitfalls that can be avoided with appropriate homework and preparation.

7-Things-to-Know-Before-You-Move-to-the-PhilippinesMoving to the Philippines: 7 Things to Know Before You Move to the Philippines

Expats moving to the Philippines join others that have moved there for work or a lower cost of living during retirement. It's critical to understand what the realities of living there are, but those that successfully make the adjustment believe it is a good place to live.

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