1. Cheap cost of living
2. Better health care
3. Good food, organic, no processed food
4. Favourable climate
5. Beautiful beaches and recreational centers
6. Cheap real estate
7. Low crime rate
8. Right to abode, Residence permit and visa programs

 

Are you thinking of where to spend those golden years of your life during retirement?  Perhaps Africa continent has never came into your mind? I get it. But you will thank me later if you make that decision to retire in Ghana. Just like other retirement destinations like  Monarco which is a popular destination for retirees, with its mild climate, low taxes, and high quality of life, it is not for everyone unless you have biggerpocket. In the same way Ghana may not be for everyone but many will find it a perfect destination to spend their retirement.Every country has its challenges and Ghana is not an exception.

The western media has portrayed Africa as a continent full of diseases and hunger and any negative thing you can think of. If you haven’t been to any of the African countries you will believe what the media wants you to believe because don’t forget that their goal is to paint a vivid picture in their story for you to believe their narratives. Our brothers and sisters of African descent who visited Ghana in 2019 during the Year of Return realized they have been lied to by the western media. The school system lied to them about Africa in general.

Read also:7 Reasons Why Black Americans Prefer Ghana

Anyone who visited Ghana wants to stay. Why?  Because of the people. Ghanaians are peace loving people and love foreigners to the moon and back, doesn’t matter your background. Anyone on the street will love to help you, have a chat with you and also help you get around town.

 

Retirement is a significant milestone in one’s life, and choosing the perfect destination to spend the golden years is a decision that requires careful consideration. When retiring you need to consider places that offers a high quality of life, affordable living, and a pleasant climate in order to have a fulfilling retirement experience. While Westerners have traditionally favored retirement destinations within the United States like Florida or Delaware or Virginia. Picking retirement destination is a matter of preference though. While some people prefer Florida which is muggy-humid and warm, others prefer Arizona which is hot and dry.

What if I told you there is an emerging trend of considering Ghana as an attractive option for you retirement? There is a growing interest in Ghana as an appealing alternative. Retiring in Ghana offers several advantages over the United States.

Many Americans can’t afford to retire because of the cost of living -when that paycheck is not coming that the end of the month.Most Research shows that about 55% – more half of Americans are behind their retirement savings.  That is how serious the rat race is.

I must be candid and straightforward. If you are planning to retire or make Ghana your next home, make sure you have sources of income or retirement savings in place. Most people go broke because of no proper preparation for retirement. Coming to Ghana empty handed won’t make your retirement enjoyable.

Without wasting time let’s delve deeper into each of the eight factors of retiring in Ghana and why it makes sense for westerners and African diaspora who want to escape the rat race of living in western world.

Read also:The Diaspora’s One Stop Shop Real Estate services and Stress-Free Transition to Ghana

1.Cheap Cost of Living:

According to Business insider Africa, Ghana ranks 4^th among the top 10 African countries with low cost of living. Rent, groceries, transportation, and entertainment expenses in Ghana are significantly lower compared to the United States. Retirees can live comfortably in Ghana on a modest budget, allowing them to stretch their retirement savings and enjoy a fulfilling lifestyle.

In another report, people want to retire earlier but can’t and about 40% of retirees can’t afford to take care of themselves because of high cost of living in the western world. In Ghana, because of low cost of living, many westerners can retire 5 to 10 years earlier and enjoy their lives if you have your retirement planned out well ahead to retire in Ghana. You don’t have to work till you are 70 years old and get send to nursing home when you are 80years old.

Ghanaians in general -across all age groups are full of fun to hang around with.  Here is the best part, labour is cheap in Ghana. A few bucks and you will be able to hire a helper to assist you with your day to day needs.

 

 

2.Better Health Care:

Ghana’s healthcare system favorably, highlighting the availability of quality healthcare services at affordable prices. According to a study by the World Health Organization (WHO), Ghana has made significant progress in improving its healthcare infrastructure. With numerous world-class hospitals and medical facilities, retirees can access quality healthcare in Ghana without the high costs associated with medical care in the west.

Without doubt the west have the best medical systems in place. However, do they actually take care of you? Nursing homes is not a place you want to spend your retirement in.  For instance if you want to see a doctor you will have to wait in the waiting from for 30minutes if not an hour. Whereas in Ghana, it is a different health care experience altogether, your doctor will visit you at home to take care you if you are well to do. Some doctors have this “Call me anytime” principle for their patient. Worst case scenario, let’s say you are in Ghana and have been diagnosed with serious medical condition and you think you need western health care. No worries. You are 4hours away from South Africa, 7hours away from Europe and 8hours away from Dubai.

 

3.Good Food, Organic, No Processed Food:

Ghanaians eat foodstuff direct from the farm-no proccessed food. The land is so fertile that if you plant any crop you will harvest naturally without the use of fertilizer. Most of these foodstuff comes from predominantly farming regions like the Northern, Western, Oti region, upper East and upper West regions of Ghana. If you are thinking maybe you losing your store or you losing your quality of living, there are western like supermarkets to shop for groceries.

A survey conducted by the Agricultural Development Bank (ADB) of Ghana revealed that the country’s agricultural sector emphasizes organic farming practices. Ghanaian cuisine is known for its fresh and locally sourced ingredients, minimizing the consumption of processed food. This focus on organic and non-processed food aligns with the growing global trend towards healthier eating habits, making Ghana an attractive option for retirees seeking a nutritious and wholesome diet.

Hint, if you ever taste locally prepared Ghanaian dish called Fufu or rice dish called jollof also known as Benachin or pilaf you will forget your store name. You will probably loose some  weight and live healthier than in the western world of processed food.

 

4.Favorable Climate:

 

Ghana’s tropical climate is a significant draw for retirees seeking a pleasant and consistent weather pattern. Ghanaians enjoys warm temperatures throughout the year, averaging between 25-30 degrees Celsius (77-86 degrees Fahrenheit). This climate is particularly appealing to retirees who wish to avoid extreme weather conditions prevalent in certain regions of the United States, such as harsh winters or scorching summers.

Also, beside favourable climate, most tourist who visit wants to explore the history -coastal castles of colonizers in Cape Coast, Accra and other coastal towns and cities), the Ghanaian culture, wildlife, eco-tourism etc according to Ministry of Tourism Art and Culture.

During your retirement you could keep yourself busy exploring endless tourist attraction sites from the coastal cities to climbing Afadjato the tallest mountain in Ghana and also far North with historic and tourist site the list of which includes:Bui National Park, Mole National Park, Wechiau Community Hippo Sanctuary, Paga Crocodile Pond, Paga Pio’s Palace, Pikworo Slave Camp, etc.

 

5.Beautiful Beaches and Recreational Centers:

If you love beaches Ghana has got plenty for you. Ghana’s coastline boasts stunning beaches that attract both locals and tourists all around the world. We have breathtaking destinations like Cape Coast, Kokrobite, and Busua, which offer tranquil and picturesque settings for retirees to relax and enjoy recreational activities. According to Ghana Tourism Authority, the country’s beaches and cultural sites are among the top attractions for tourists. Retirees can embrace a laid-back lifestyle, surrounded by natural beauty and the rich cultural heritage of Ghana. There are also beautiful waterfalls you definitely want to spend quality time to unwind.

Read also:11 BEST CITIES AND TOWNS TO LIVE IN GHANA – WEST AFRICA

6.Affordable Real Estate:

 

The cost of real estate in Ghana is significantly lower compared to many parts of the United States where the prices of homes are inflated. In Ghana, you can buy a duplex or a two bedroom house at very affordable price (depending on the location, size and amenities). You can buy from a real estate developer.

According to the Ghana Real Estate Developers Association (GREDA), the demand for affordable housing has led to a surge in real estate developments across the country. Retirees can capitalize on this opportunity to purchase property at affordable prices or invest in real estate, offering long-term financial security and potential income streams.

Read also:A Snapshot of Ghana’s Real Estate Market 2022/2023

7.Low Crime Rate:

The western media has portrayed any country in Africa as dangerous place to live. But in the west there is a 50% chance that you can get shot and killed on the street or mass shooting for no crime commited. Here is some data from CDC. Furthermore, there have been more than 200 mass shootings across the US so far this year  alone according to Gun Violence Archive

Let’s take it much further, the numbers don’t lie. I will compare Washington DC to Ghana.  The murder rate in DC is probably 15 time high than crime rate in Ghana.

Ghana has been widely recognized for its relatively low crime rate. According to a Gallup Global Law and Order report, Ghana ranks among the top countries in Africa for personal safety and security. Above all Ghana has a stable political climate and the government have implemented effective measures to ensure the well-being of the citizens and residents alike. You can enjoy peace of mind, knowing that Ghana offers a safe and secure environment to live out their retirement years.

 

8.Right to Abode, Residence Permit, and Visa Programs:

Ghana has introduced various programs to facilitate the retirement aspirations of Westerners. The Right of Abode program allows foreign nationals of Ghanaian descent and their spouses to live and work indefinitely in Ghana. This program provides retirees with the opportunity to establish long-term roots and fully integrate into the Ghanaian society. I know what you thinking, what if I’m not  African diaspora? No worries. The government also offers residence permit, which grants retirees permission to live in the country.

 

According to the Ghana Investment Promotion Centre, there has been a steady increase in the number of foreigners, including retirees, taking advantage of these programs to establish a peaceful and fulfilling retirement in Ghana. The ease of obtaining residence permits and the welcoming attitude of the Ghanaian government toward retirees further enhance the appeal of you retiring in Ghana.

 

Conclusion

Retiring in Ghana offers Westerners several compelling reasons to consider this unique West African nation as a retirement destination. Offering you cheap cost of living, better healthcare, organic food, favorable climate, beautiful beaches, affordable real estate, low crime rate, and retirement programs what could be better than these? And there you have it. I hope this was helpful.

 

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Take Away

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