French retiree thinking about moving to Portugal?

Here are some useful tips

Moving to Portugal can be an excellent decision, whether for the quality of life, the climate, the safety, or the cultural proximity to the rest of Europe. To make the transition smoother, here are some practical recommendations based on the common experience of many expatriates.

✅ 1. Visit Portugal before making a final decision

Before settling permanently, it is advisable to visit the country and explore different regions. Portugal is diverse, and each area offers a distinct lifestyle:

• Algarve — warm climate, relaxed atmosphere, large foreign community

• Lisbon — cosmopolitan city, full services, vibrant cultural life

• Cascais / Estoril — elegant coastal area, very popular among retirees

• Porto — authentic, cultural and more affordable

During your visit, evaluate essential factors such as:

• cost of living

• access to healthcare

• transport options

• safety

• proximity to essential services

✅ 2. Learn the basics of the Portuguese language

Although many Portuguese people speak English, learning Portuguese greatly facilitates:

• integration

• dealing with public services

• everyday life

• building local relationships

There are several ways to start:

• apps like Duolingo or Babbel

• free courses from the ACM – High Commission for Migration

• in‑person classes at language schools

✅ 3. Be cautious with Facebook groups

Expat groups can be useful for:

• meeting people

• getting recommendations

• sharing experiences

But they can also contain:

• incorrect information

• risky financial advice

• misunderstandings of Portuguese law

Use these groups only as a starting point and always confirm information with official sources or qualified professionals.

✅ 4. Learn about the Portuguese tax system

Before moving, it is important to understand:

• how foreign income is taxed

• how the annual IRS tax return works

• what the tax obligations of a resident are

• how the Portuguese social security system works

Portuguese tax law is specific and can differ significantly from French rules. Consulting an accountant or tax adviser experienced with expatriates is strongly recommended.

✅ 5. Prepare your financial and estate planning

Moving to another country means adapting:

• investments

• pensions

• insurance

• savings strategies

• estate planning

Some points to consider:

🇫🇷 For French retirees

• Check how your pension will be paid and taxed in Portugal

• Confirm whether you need to update beneficiaries or documentation

• Assess whether your current investments remain suitable for your new country of residence

🌍 For those with international assets

• Ensure your tax structure remains efficient after the move

• Analyse potential implications in both France and Portugal

• Consult a specialist in cross‑border financial planning

Ideally, this planning should be done several months before moving, to avoid unnecessary costs or rushed decisions.

✅ Conclusion

Moving to Portugal can be an excellent choice for a French retiree, but it requires preparation. Visiting the country, learning the language, seeking professional advice and understanding the local system are essential steps for a smooth and successful transition.

⚠️ Important note

This text is for informational purposes only and does not constitute financial, tax or legal advice. Always consult a qualified professional before making decisions.