Retire in Bermuda
Last updated on Apr 04, 2023
Summary: Retirees are attracted to Bermuda for its stunning beaches, vibrant culture, and low taxes. The weather in Bermuda is typically warm and humid, with temperatures ranging from the mid-60s to the mid-80s Fahrenheit throughout the year.
What is it like to retire in Bermuda?
"Retirees in Bermuda and its surroundings enjoy a relaxed lifestyle with plenty of activities to keep them busy. There is an active expat community, with many retirees from the United States, Canada, and the United Kingdom. There are plenty of cultural attractions to explore, such as the Bermuda National Museum, the Bermuda Aquarium, and the Bermuda Maritime Museum. There are also plenty of recreational activities to enjoy, such as golf, sailing, fishing, and snorkeling. For those looking for a night out, there are plenty of bars, restaurants, and clubs to explore," said a retiree who moved to Bermuda.

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What are the most challenging aspects of retiring in Bermuda?
"One of the most challenging aspects of retiring in Bermuda is the high cost of living. Bermuda is an expensive place to live, and the cost of housing, food, and other necessities can be prohibitively expensive for retirees on a fixed income. Additionally, Bermuda has a high tax rate, which can make it difficult for retirees to make ends meet. Furthermore, Bermuda is a small island with limited resources, so it can be difficult to find the services and amenities that retirees may need. Finally, Bermuda is a long way from most other countries, so it can be difficult to stay connected with family and friends who are far away," remarked one retiree in Bermuda.

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What are the most rewarding aspects of retiring in Bermuda?
"Retiring in Bermuda offers a unique opportunity to enjoy a relaxed lifestyle in a beautiful and vibrant setting. With its stunning beaches, lush tropical landscapes, and vibrant culture, Bermuda is an ideal place to spend your retirement years. The island is also known for its low taxes, excellent healthcare system, and strong infrastructure, making it an attractive destination for retirees. Additionally, Bermuda is a safe and secure place to live, with a low crime rate and a friendly, welcoming atmosphere. With its stunning natural beauty, vibrant culture, and excellent quality of life, Bermuda is an ideal place to retire," remarked one retiree in Bermuda.
What are healthcare services like in Bermuda?
We asked retirees if they have access to good medical care in Bermuda. They wrote:
"Bermuda has a comprehensive healthcare system that provides a wide range of services to its citizens. The island has a number of public and private hospitals, clinics, and medical centers that offer a variety of medical services, including primary care, specialty care, and emergency services. Bermuda also has a number of pharmacies and health centers that provide access to medications and other health-related services. Additionally, Bermuda has a number of health insurance plans that provide coverage for medical expenses," commented one retiree living in Bermuda.
How do I meet people in Bermuda?
When we asked people living in Bermuda about club and activities where newcomers can meet others, they responded:
"Expats in Bermuda often join clubs and activities such as sailing, golf, tennis, and other outdoor activities. Expats can also join social clubs, such as the Bermuda Expats Club, which organizes events and activities for expats to meet and socialize. Additionally, expats can meet people by attending local events, such as festivals, concerts, and art shows. Expats can also meet people by attending church services, joining a gym, or taking classes at a local college or university," explained a retiree in Bermuda.
"I came to Bermuda with my wife and our two young daughters. I was working a lot although my wife started socializing through the MAMA group in which she made few very good friends," explained one retiree living in Hamilton.
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What is life like in Bermuda?
When we asked people living in Bermuda what life is like and how people spend their time, they said:
"Life revolves around the company you work for primarily, and the friends you make there through social events. Secondly sports associations (squash, golf etc.) and for ladies the American Women's Club and its events," remarked one retiree in Hamilton.
"People seem intent on making money. Bermuda is a nice place to visit but to work here as a white expat, you will encounter a certain amount of racism and resentment," said a retiree who moved to Hamilton, Bermuda.
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What do I need to know before retiring in Bermuda?
When we asked people what advice they would give someone preparing to move to Bermuda, they said:
"Always keep in mind that you are an expat, a visitor in someone else's country. Take the time to understand how things got the way they are before making any judgement. You will make Bermudian friends as these people are extremely generous and outgoing. They all love talking politics and about social context so it is a great opportunity to learn about the history and culture. There are a tons of social events, especially in summer season. Go out and meet people," remarked one retiree in Hamilton.
"I would say they had to make sure to get a very good package before even considering coming. Everything here is MASSIVELY expensive. Hold out for the best deal you can, as often, what is first offered is negotiable. Bear in mind that if coming here from the UK, health insurance is mandatory as there is no NHS here, and even the most basic health insurance package is costly. Rents are phenomenal, as are the cost of utilities," said a retiree who moved to Hamilton, Bermuda.
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What type of recreational activities are there in Bermuda?
"Residents of Bermuda enjoy a variety of recreational facilities, including beaches, golf courses, tennis courts, and parks. There are also a number of marinas and boat clubs, as well as a variety of water sports such as snorkeling, scuba diving, and sailing. For those looking for a more relaxed experience, there are plenty of restaurants, pubs, and cafes to explore. Additionally, there are a number of cultural attractions, such as museums, galleries, and historic sites," said one retiree in living in Bermuda.
Where will I buy groceries and do other shopping in Bermuda?
"People living in Bermuda typically buy groceries and do other shopping at supermarkets, convenience stores, and specialty stores. There are also a variety of local markets and farmers markets where people can purchase fresh produce and other items. Additionally, many people shop online for groceries and other items," said one retiree in living in Bermuda.
About the Author
Joshua Wood, LPC joined Expat Exchange in 2000 and serves as one of its Co-Presidents. He is also one of the Founders of Digital Nomad Exchange. Prior to Expat Exchange, Joshua worked for NBC Cable (MSNBC and CNBC
Primetime). Joshua has a BA from Syracuse and a Master's in Clinical and Counseling Psychology from Fairleigh Dickinson University. Mr. Wood is also a licensed counselor and psychotherapist.
Some of Joshua's articles include Pros and Cons of Living in Portugal, 10 Best Places to Live in Ireland and Pros and Cons of Living in Uruguay. Connect with Joshua on LinkedIn.
Additional Information:
- Bermuda Guide
- Healthcare & Health Insurance in Bermuda
- Members Talk about Healthcare & Health Insurance in Bermuda
- Guide to Real Estate in Bermuda
- Pros & Cons of Living in Bermuda
- Cost of Living in Bermuda
- Guide to Obtaining Residency in Bermuda
- Work from Bermuda Certificate
- 11 Tips about Healthcare & Health Insurance in Bermuda
- Moving to Bermuda
- 2023 Guide to Living in Bermuda
- 2023 Guide to Moving to Bermuda