Expat Explorer Report 2014

Expat Explorer Report 2014 1 Contents

Introduction...... 3 Country reports...... 42 Foreword by HSBC...... 4 Australia...... 43 Expat Explorer overview...... 5 Bahrain...... 44 Expat Economics...... 9 Brazil...... 45 Expat Experience...... 19 Canada...... 46 Raising Children Abroad...... 29 China ...... 47 Expat Expenses...... 36 France...... 48 Germany...... 49 Hong Kong...... 50 India...... 51 Malaysia...... 52 Mexico ...... 53 New Zealand...... 54 Oman...... 55 Saudi Arabia...... 56 Singapore...... 57 Switzerland...... 58 Taiwan...... 59 Thailand...... 60 Turkey...... 61 United Arab Emirates...... 62 United Kingdom...... 63 United States...... 64 Vietnam...... 65

About the survey...... 66 References...... 67

ExpatExpat Explorer Explorer Report Report 2014 2014 2 Expat Explorer Introduction

This independent research The findings are used to 1. Expat Economics The Expat Explorer study is commissioned by generate the Expat Explorer looks at a range of factors HSBC Expat and conducted by league tables and provide including expat earning levels, third party research company expats with a balanced saving and investing patterns, survey, now in its YouGov, who surveyed 9,288 picture of what expat life and the impact of the current expats through an online is like around the world, global financial climate, to paint seventh year, is questionnaire. covering four areas: an informed picture of expats’ economic situation around the The survey was conducted world. one of the largest through April and May 2014, with expats from over 100 2. Expat Experience countries taking part. covers an expat’s lifestyle, and longest-running The survey focuses on the especially the level of ease or experiences of expats in their difficulty in which expats can global expat surveys. new country of residence, with set up in their new country, expats from all over the world how well they integrate into describing the opportunities and the local community, and their challenges they face living away overall quality of life. from home. 3. Raising Children Abroad reveals the best place for expat families to bring up children abroad.

4. Expat Expenses unveils the most cost-effective countries for expats to live based on everyday expenses.

ExpatExpat Explorer Explorer Report Report 2014 2014 3 Expat Explorer Foreword by HSBC

A stint abroad often brings about expats, but over half of the The Emerging and Growth a new perspective on different expats there also say they have Leading Economies, otherwise ways of living, new challenges a better work/life balance than known as the ‘EAGLEs’, and the chance to experience they had at home. For expat are proving popular for the different cultures. parents, they note how their seconded expat. Almost three The days of moving abroad children have a healthier lifestyle times as many expats in EAGLE purely for monetary reasons, and overall are enjoying a better economies like Brazil, Turkey, or desirable expat benefits and quality of life. India say they were sent by their healthy salaries seem long company, highlighting a trend for gone as expats today seek The picture is similar for New corporations to take advantage out locations that offer more Zealand, another country of these growth hotspots by balanced and well-rounded renowned for its spectacular relocating their employees lifestyles. This year, nearly 9,300 scenery and great outdoors. abroad. expats shared with us their This year, New Zealand ranks experiences of life abroad, and 1st in the Raising Children People end up living a life abroad their accounts helped to shape Abroad league table with parents for many different reasons. the findings of the 2014 Expat noticing the improved health, Each year, the results of our Explorer survey and league wellbeing and safety of their Expat Explorer survey provide tables, painting a revealing children, as well as believing they an informative insight into how picture of modern expatriate life. are bringing up more confident expat life has changed, from the and well-rounded individuals. shifts in attitudes to the different Expats have told us that perspectives that make each Switzerland ranks as the top For the higher earning expat in expat experience so unique. country for a balanced expat 2014, Asia is the most popular life, providing the means to destination. Expats there are Thank you to everyone who has build a good career while almost three times more likely taken the time to share with us allowing expats to enjoy a life to earn over $250,000 p.a. than your stories of life abroad. outside work and to raise their their counterparts in Europe. family abroad. Expats there Within Asia itself, our survey embrace the Swiss way of found that China is the preferred life and are relishing what the choice for these high flying country has on offer. Not only expatriates, with four times as are Switzerland-based expats many expats in China (29%) Dean enjoying the good climate and earning over the $250,000 p.a. Blackburn, pleasant scenery, with the mark compared with the global Head of HSBC country home to the sportiest average (7%). Expat

Expat Explorer Report 2014 4 Expat Explorer Key findings

say changes in house prices comment on the ease with 1 pose the greatest threat to their which they integrated into the Switzerland, Singapore financial wellbeing. local community, weighing in and China are the leading above the global average of destinations for a balanced 65%. expat lifestyle in 2014, taking 5 the top three spots in the Expat Adventurous expats choose to Explorer league table. head to Asia. Over two-fifths 9 (44%) say that they moved to Japan is a safe place to raise a Asia because they wanted to family abroad. More than nine 2 have a new challenge. in ten (94%) expats in Japan High growth ‘EAGLE’ say that their children’s safety economies such as Brazil, has improved since moving. Turkey, India, China, Mexico and 6 Taiwan are popular destinations Canada takes the crown as the for companies looking to send top expat retiree spot, with 10 their employees abroad. three times more expat retirees Expats rate Taiwanese than the global expat average healthcare as one of the (31% compared with 11% best in the world in terms of 3 globally). affordability and quality. Nearly Asia is home to the highest three times as many expats earning expats, who are almost say they are spending less on three times more likely to earn 7 healthcare than they used to over $250,000 p.a than their New Zealand ranks 1st in both (67% compared with the global counterparts in Europe (14% the Expat Experience and average of 27%) and almost compared with 5% in Europe). Raising Children Abroad league two-thirds (64%) say they enjoy tables. the higher quality of healthcare 4 available in Taiwan. Rental rates and volatile house 8 prices are a big concern among Canada and the United States expats based in the Middle offer expats an easy setup and East – 44% of expats there great quality of life. Roughly say fluctuations in rental prices three-quarters of expats in both pose a risk to their financial countries (73% in the United wellbeing and over a fifth (22%) States and 76% in Canada)

Expat Explorer Report 2014 5 Expat Explorer Overall findings Which expats took Respondents: 9,288 part in the survey?

This year, Switzerland, Singapore Average expat salaries, however, they are retired compared with When it comes to spending Gender and China lead the charge as vary greatly from region to the global average of 11%. power and relative disposable the top destinations for expats. region. Boosted by the number Retirees are most likely to income, over half of expats (53%) Ranking 1st in the Expat Explorer of higher earning expats in Asia, relocate to be with a loved one say they have greater disposable league table, Switzerland takes average salaries in this region (30%) or to improve their quality income since moving abroad. the top spot for expats looking top the $100,000 p.a. mark. The of life (29%). Expats in Asia in particular are for a balanced expat life. Many average annual expat salary in enjoying a greater spending 54% 46% Switzerland-based expats Asia is $120,000 p.a., compared When looking at the top boost, with lower outgoings mentioned the better work / life with the global average of economic concerns for expats, across everyday expenses. balance, availability of outdoor $92,000 p.a. This is followed by more than a third (35%) say This is especially true for those activities and a family-centric expats in the Middle East earning job market security poses the in China, Vietnam and Taiwan. culture as the reasons for why $84,000 p.a., while Europe-based greatest risk to their financial Around six in ten expats in China Occupation they enjoy the Swiss lifestyle. expats earn an average salary wellbeing, followed by the state (62%), Vietnam (58%) and Taiwan When looking at the drivers of $78,000 p.a. Expats living of the local economy (33%) (56%) say they spend less on behind expats taking the plunge in Europe are more likely to be and the health of the global utilities, compared with the to move abroad, this year the retired (18%) than those in Asia economy (27%). Expats based global average of 26%. These 17% 11% 9% most frequently cited reason (4%) and the Middle East (13%), in Europe are the most likely to expats also note reduced costs Banking, Insurance, Education Telecommunications, was to improve career prospects. which could explain the relatively be concerned about the general for groceries – about half (48%, Financial Services IT & Internet Well over a third of expats (38%) lower earnings in the region. state of the economy in the 54% and 46% respectively) are tell us that their move abroad country they are residing in spending less on food, compared was spurred by the prospect For expat retirees, Canada and (40%) compared with those in with the global average of 22%. Age of a better career, with equal New Zealand emerge as the other regions (Asia 24% and the proportions saying they relocated most popular locations. Nearly a Middle East 18%). “Be open- to improve their quality of life, to third of expats (31%) in Canada minded and look for a new challenge or to be and 28% in New Zealand say Expats who tell us that quality with a family partner (all 31%). of life is more important tend to adaptable. Enjoy 28% be attracted to the more relaxed another culture 18-34 For those looking for better lifestyles and slower pace of instead of trying INDIA job prospects and increased $120k life of New Zealand (54%), earning potential, the Middle Average annual expat Australia (46%) and France to bring home 46%5% East remains the place to be. At salary in Asia (43%). Expats in these countries with you!” 35-54 nearly twice the global average, noted the “more laid back way around two in three expats say of life” as well as the sense of Expat in Malaysia 25% they moved to Kuwait (63%), $92k community and family-oriented 55+ Qatar (63%) and Saudi Arabia Average annual culture experienced in these (63%) for better job prospects. global expat salary destinations.

Expat Explorer Report 2014 6 Expat Explorer Overall league table

Country Expat Explorer overall Expat Economics Expat Experience Raising Children Abroad Expat Explorer rank and score Rank Score Rank Score Rank Score Rank Score The Expat Explorer overall Switzerland 1 0.55 2 0.64 5 0.52 10 0.48 league table ranks each country using a score that summarises Singapore 2 0.53 3 0.58 3 0.52 5 0.50 expats’ overall impression of the country. The Expat Explorer China 3 0.53 1 0.70 26 0.44 12 0.46 overall score is the average of the Expat Economics, Expat Experience and Raising Children Germany 4 0.53 7 0.57 10 0.50 3 0.52 Abroad scores, covering 43 different criteria from the Bahrain 5 0.51 11 0.51 2 0.54 9 0.49 survey.

New Zealand 6 0.50 22 0.41 1 0.55 1 0.54

Thailand 7 0.49 13 0.50 6 0.51 14 0.46

Taiwan 8 0.49 9 0.53 7 0.51 18 0.43

India 9 0.49 12 0.50 20 0.46 6 0.50

Hong Kong 10 0.48 6 0.57 17 0.47 22 0.41

Canada 11 0.48 17 0.47 12 0.49 8 0.49

Australia 12 0.48 14 0.48 4 0.52 19 0.43

Qatar 13 0.47 5 0.57 28 0.44 21 0.41

Oman 14 0.47 4 0.58 19 0.47 27 0.36

United Arab Emirates 15 0.47 10 0.51 21 0.46 16 0.44

Vietnam 16 0.46 8 0.53 15 0.48 25 0.38

Russia 17 0.45 19 0.45 13 0.49 20 0.42

Expat Explorer Report 2014 7 Expat Explorer Overall league table

Country Expat Explorer overall Expat Economics Expat Experience Raising Children Abroad Expat Explorer rank and score Rank Score Rank Score Rank Score Rank Score The Expat Explorer overall Japan 18 0.45 25 0.36 16 0.48 4 0.50 league table ranks each country using a score that summarises Malaysia 19 0.44 16 0.47 18 0.47 24 0.39 expats’ overall impression of the country. The Expat Explorer Belgium 20 0.44 23 0.38 27 0.44 7 0.49 overall score is the average of the Expat Economics, Expat Experience and Raising Children Mexico 21 0.43 18 0.46 24 0.45 26 0.37 Abroad scores, covering 43 different criteria from the South Africa 22 0.43 31 0.27 14 0.48 2 0.53 survey.

France 23 0.41 30 0.28 9 0.50 13 0.46

Spain 24 0.41 32 0.23 8 0.51 11 0.48

Ireland 25 0.40 28 0.33 11 0.49 23 0.39

Turkey 26 0.40 21 0.43 22 0.46 31 0.32

Netherlands 27 0.40 27 0.33 30 0.42 15 0.45

Saudi Arabia 28 0.40 15 0.48 32 0.39 30 0.33

Kuwait 29 0.40 20 0.45 33 0.38 28 0.36

United States 30 0.38 24 0.37 25 0.44 29 0.34

Italy 31 0.37 33 0.23 23 0.45 17 0.43

Brazil 32 0.36 26 0.35 29 0.43 33 0.30

United Kingdom 33 0.35 29 0.32 31 0.42 32 0.31

Egypt 34 0.22 34 0.19 34 0.27 34 0.19

Expat Explorer Report 2014 8 Expat Explorer Report 2014 Expat Economics

Expat Explorer Report 2014 9 Expat Economics League table

Country Expat Economics Household income Personal disposable income Satisfaction with local economy Expat Economics Rank Score Rank Score Rank Score Rank Score rank and score China 1 0.70 1 0.49 1 0.76 5 0.85 The Expat Economics league table ranks each country using a Switzerland 2 0.64 2 0.36 7 0.68 2 0.87 score that summarises expats’ views about the local economy. Singapore 3 0.58 6 0.23 11 0.64 1 0.88 The Expat Economics score is the average of the household Oman 4 0.58 11 0.19 5 0.69 4 0.86 income, personal disposable income and satisfaction with Qatar 5 0.57 15 0.18 4 0.70 6 0.84 the host economy scores, covering three key criteria from Hong Kong 6 0.57 3 0.31 12 0.63 11 0.76 the survey.

Germany 7 0.57 14 0.18 9 0.65 3 0.87

Vietnam 8 0.53 10 0.20 2 0.75 17 0.65

Taiwan 9 0.53 5 0.24 8 0.65 14 0.69

United Arab Emirates 10 0.51 20 0.12 16 0.58 7 0.82

Bahrain 11 0.51 17 0.17 6 0.68 15 0.66

India 12 0.50 4 0.29 17 0.56 16 0.65

Thailand 13 0.50 16 0.17 3 0.72 20 0.61

Australia 14 0.48 9 0.21 20 0.53 13 0.70

Saudi Arabia 15 0.48 30 0.06 18 0.55 8 0.82

Malaysia 16 0.47 13 0.19 14 0.62 19 0.61

Canada 17 0.47 28 0.07 19 0.55 10 0.79

Expat Explorer Report 2014 10 Expat Economics League table

Country Expat Economics Household income Personal disposable income Satisfaction with local economy Expat Economics Rank Score Rank Score Rank Score Rank Score rank and score Mexico 18 0.46 18 0.16 21 0.50 12 0.73 The Expat Economics league table ranks each country using a Russia 19 0.45 8 0.21 13 0.62 23 0.53 score that summarises expats’ views about the local economy. Kuwait 20 0.45 27 0.09 10 0.64 18 0.63 The Expat Economics score is the average of the household Turkey 21 0.43 7 0.21 15 0.59 26 0.51 income, personal disposable income and satisfaction with New Zealand 22 0.41 25 0.09 34 0.34 9 0.79 the host economy scores, covering three key criteria from Belgium 23 0.38 24 0.10 24 0.47 21 0.56 the survey.

United States 24 0.37 22 0.10 22 0.50 24 0.52

Japan 25 0.36 25 0.09 25 0.46 22 0.54

Brazil 26 0.35 12 0.19 31 0.42 28 0.45

Netherlands 27 0.33 32 0.05 27 0.44 27 0.51

Ireland 28 0.33 19 0.13 26 0.45 29 0.41

United Kingdom 29 0.32 21 0.10 33 0.35 25 0.52

France 30 0.28 28 0.07 28 0.43 30 0.34

South Africa 31 0.27 23 0.10 30 0.42 31 0.31

Spain 32 0.23 33 0.03 29 0.42 32 0.25

Italy 33 0.23 34 0.03 23 0.48 33 0.18

Egypt 34 0.19 31 0.06 32 0.37 34 0.16

Expat Explorer Report 2014 11 Expat Economics Findings

The EAGLEs have landed the highest proportion of with the global average of 13%. suggesting that some of the expats who were seconded Many expats living in these benefits of rapid economic “There are a lot of The Emerging and Growth by their employers live in countries also agree that their growth are beginning to be Leading Economies1, otherwise these emerging and growing host country is getting better as reflected in their experiences of opportunities, and known as the ‘EAGLEs’, economies. a place to live and work. living there. consisting of Brazil, Turkey, it is a fast growing India, China, Mexico and Taiwan Well over a third of expat Notably, the highest proportion among others are proving to respondents living in Brazil of expats (60% compared to economy” be popular destinations for (37%) and a similarly high the 32% global average) who Expat in Turkey companies looking to send their proportion in Turkey (29%), India expressed this positive outlook employees abroad. (26%), China (24%), Mexico live in India and China – two (24%) and Taiwan (24%) moved countries considered to be In fact, this year’s Expat abroad because they were sent the fastest growing of these Explorer survey reveals that by their company compared economies in terms of GDP2, 60% 37% of expat respondents living of expat respondents living in in India and China agreed Brazil moved abroad because that their host country is they were sent there by their getting better as a place employers to live and work

Expat Explorer Report 2014 12 Expat Economics Findings

Expats benefit from been expats on more than one High earning expats seek destinations with strong projected GDP growth4 higher salaries in Asia occasion. Nearly half (47%) say they relocated to pursue new Percentage of expats Asia is the place to be for higher job prospects compared with 14% earning over $250.000 p.a. earning expats in 2014 as the the global average of 38% and world’s highly mobile force of close to a quarter (24%) moved Projected GDP growth in successful expats look for new to improve their earnings 2016 opportunities. compared to the global average of 20%. Expat respondents in Asia are the most likely to earn over As well as earning more, this a quarter of a million dollars group is also settling into the (14% of expats in Asia earn new culture. Two-thirds (66%) 7% 7% over $250,000 p.a. compared say they found acclimatising 6% to only 5% in Europe). Within to the local culture easy 5% Asia, China, which ranks 1st in (compared with a global the Expat Economics league average of 60%), while more 3% table, is by far the leading than a third (34%) say their South East 2% destination for these high flying social life improved since expatriates. The Expat Explorer moving (compared to a global Asia Middle East Europe survey found that over four average of 28%). times as many expats in China (29%) earn over $250,000 “Safety, Top destinations for higher earning expats (earning over $250,000 p.a.) p.a. compared with the global average (7%). economic stability, higher 15% The survey findings also reveal Vietnam that these higher earning expats salary, career 16% 29% 17% Hong Kong are quick to capitalise on new advancement.” China Switzerland opportunities and are flocking to 12% Asia, where growth is expected Expat in Singapore 12% Qatar 16% Brazil to take off in the coming Russia 12% years, according to World Bank Turkey 11% figures3. Nearly two-thirds 18% Mexico India (65%) of those earning over $250,000 p.a. say they have

Expat Explorer Report 2014 13 Expat Economics Findings

Career-driven expats Expats move to the Middle East for better job prospects and to boost their income move to the Middle East While the prospects are good and the pay is promising, these Expats who moved abroad A significant number of expats benefits can sometimes come 38% for better job prospects. move to the Middle East at a cost, with expats finding Global looking for better job prospects less time to enjoy their life average Expats who moved and to boost their income. outside of work. However, 20% to boost their earning Indeed, the countries where expats heading to the Middle potential expats are most likely to move East not looking for an ‘all abroad for these reasons are work and no play’ lifestyle 63% all in the Middle East. These may want to head to Bahrain, Qatar promising career prospects where 62% of expats say that seem to be a reality, as over they enjoy a good work / life 44% three-quarters (76%) of expats balance (compared to the global in the Middle East are in full- average of 40%). Saudi Arabia 63% time employment and 70% of those living in the region believe “Visit the country, 37% that they earn more than they would have in their home see it in detail, country (compared with the understand the Kuwait 63% global average of 53%). limitations on 36% With the Middle East’s famous accommodation cityscapes of modern towers 60% and skyscrapers, it is perhaps options and get a United Arab Emirates not a surprise that nearly twice full understanding as many expats there are 36% working in construction and of the working engineering than the global Oman 59% average (16% compared with culture of 9%). This is particularly true for your potential 41% those based in Oman and Saudi Arabia, where expats are nearly employer” 53% three times as likely to be in Bahrain Expat in Qatar the construction sector (25% compared with 9% globally). 37%

Expat Explorer Report 2014 14 Expat Economics Findings

High rise property concerns financial wellbeing with those House purchase and rental concerns are higher in the Middle East than other countries in the Middle East in United Arab Emirates (29%), Kuwait (25%) and Qatar (19%) Rental rates and volatile house being the most likely to share Global 19% prices are a big concern among these concerns. average expats in the Middle East. This 18% year’s Expat Explorer survey “Home rentals reveals that as many as 44% of expats in the region say are expensive fluctuations in rental prices United Arab 58% pose a risk to their financial and expats must Emirates wellbeing – more than twice as factor that in 29% many as the global average of before arriving 19%. Within the Middle East, Kuwait 51% United Arab Emirates based here” expats are most likely (58%) to 25% cite changes in rental prices as Expat in Qatar a threat to their financial wealth Qatar 38% and the sentiment is echoed among expats in Kuwait (51%) 19% and Qatar (38%).

Saudi Arabia 32% It’s not just rental prices that are a concern for expats in the 14% Middle East. At a country level, the International Monetary Fund is calling for places like Dubai Bahrain 19% to introduce further measures to cool the demand for property 9% Expats who say changes in in the emirate, which grew at house rental prices affect the fastest pace in the world in Oman 16% their financial wellbeing 20135. Looking at the regional picture, over a fifth (22%) of 8% Expats who say changes expats in the Middle East say in house purchase prices changes in house prices pose affect their financial Egypt 7% the greatest threat to their wellbeing 11% Expat Explorer Report 2014 15 Expat Economics Findings

How expats are saving for retirement Home is where the heart is economic conditions can affect for expats in the Middle East their future plans and current financial management. In For most expats, a move to response to economic changes the Middle East is a short-term over the past 12 months, venture, not an opportunity to expats surveyed are putting settle down. more into savings, planning to work later in life, saving more This year’s Expat Explorer into a pension, putting more 34%Putting more into savings Working31% later in life survey shows that expats into property and saving more currently living in the Middle into investment funds. East are more likely to consider moving away for retirement “Your journey is reasons than their counterparts in Europe and Asia – over a fifth as important as (21%) are considering doing so, your destination: compared to 17% and 18% in Europe and Asia respectively. the path to retirement must 24%Saving more into a pension Putting24% more into property When looking at the retirement plans for expats based in the be as enjoyable Middle East, over half (52%) as retirement” say they are making retirement provisions back in their country Expat in Qatar of origin, compared with the global average of 34%. In contrast, expats in Europe are most likely to make retirement provisions in their host country 19%Saving more into investment funds (51% compared with a global average of 41%).

This year’s survey also suggests that the global expat population as a whole has a keen awareness of how changing

Expat Explorer Report 2014 16 Expat Economics Findings

Expat finances become more Having to manage money Finances become more complex for expats, especially higher earners complex after moving in both their home and host country (45%) is the main Higher All expats A move abroad can entail many reason finances have become earning expats complexities, ranging from more complex for expats. (earning over organising accommodation to $250,000 p.a.) sorting out schools, organising Four in ten (40%) expats say healthcare plans and making they maintain a bank account sure their finances are in order. in their home and host country, a trend most accentuated in This year’s Expat Explorer British expats (51%). 71% 70% survey reveals that, when it 67% comes to managing expat Expats also note that having 64% finances, six in ten (60%) more money to manage 60% expats say they found that (listed by 44%) and dealing finances have become more with the intricacies of a more complex since relocating. complicated tax situation (42%) This is especially true with the as other reasons why finances 45% 44% higher earners, expats earning have become more complex. 40% 42% more than $250,000 p.a, where 39% 75% agree that finances have “I manage become more complicated since moving abroad. finances in three countries and four currencies, but I 75% like it!” agree that finances have become more complicated Expat in Bahrain since moving abroad Having to manage Managing finances in Moving money Having more money More complicated tax finances both in home different currencies between countries to manage situation and host country

Expat Explorer Report 2014 17 Expat Economics Findings

Higher earners enjoy have been at home. The growth earning expats spend more “Eat out at local spending boost abroad in the income of wealthy expats on going out compared with is even higher when local prices the global average of 49%, spots as much The 2014 Expat Explorer survey are taken into account, with and over half (52%) say they as possible as reveals how higher earning three-quarters (75%) of wealthy spend more than they would at expats - those with an annual expats saying their disposable home on recreational activities they are cheap income of more than $250,000 income is higher than it would in comparison to the global and there are p.a. - are more likely to move have been at home, compared average of 42%. countries to boost their earning with 53% of the global average. thousands of potential than any other income dishes to choose groups. Nearly a third (32%) say Higher earning expats are they moved to improve their taking advantage of the expat 71% from.” income (compared with a global life on offer, be it visiting say their income is higher than Expat in Hong Kong average of only 20%) while over restaurants, bars or enjoying it would have been at home seven in ten (71%) say their other forms of entertainment. income is higher than it would Close to six in ten (58%) higher

Expat Explorer Report 2014 18 Expat Explorer Report 2014 Expat Experience

Expat Explorer Report 2014 19 Expat Experience League table

Country Expat Experience Setting up Integration Quality of life Expat Experience Rank Score Rank Score Rank Score Rank Score rank and score New Zealand 1 0.55 1 0.74 23 0.66 3 0.47 The Expat Experience league Bahrain 2 0.54 4 0.63 16 0.68 2 0.49 table ranks each country using a score that summarises the life Singapore 3 0.52 3 0.68 27 0.63 4 0.46 experiences of expats in that country. Two-thirds (67%) of Australia 4 0.52 2 0.69 20 0.67 6 0.44 the Expat Experience score is derived from the quality of life Switzerland 5 0.52 22 0.53 26 0.64 1 0.49 score, with the remaining third (33%) equally split between Thailand 6 0.51 10 0.58 10 0.71 5 0.45 the ease of setting up and integration scores, covering a Taiwan 7 0.51 20 0.54 1 0.77 8 0.44 total of 29 different criteria from the survey. Spain 8 0.51 6 0.62 9 0.71 12 0.43

France 9 0.50 11 0.58 8 0.71 9 0.43

Germany 10 0.50 15 0.56 12 0.70 7 0.44

Ireland 11 0.49 16 0.55 14 0.69 10 0.43

Canada 12 0.49 5 0.63 18 0.67 16 0.41

Russia 13 0.49 13 0.57 15 0.69 15 0.42

South Africa 14 0.48 18 0.55 17 0.68 13 0.42

Vietnam 15 0.48 14 0.56 13 0.70 19 0.40

Japan 16 0.48 29 0.46 6 0.72 14 0.42

Hong Kong 17 0.47 8 0.59 25 0.64 18 0.40

Expat Explorer Report 2014 20 Expat Experience League table

Country Expat Experience Setting up Integration Quality of life Expat Experience Rank Score Rank Score Rank Score Rank Score rank and score Malaysia 18 0.47 21 0.53 22 0.66 20 0.40 The Expat Experience league Oman 19 0.47 17 0.55 24 0.64 21 0.40 table ranks each country using a score that summarises the life India 20 0.46 32 0.43 11 0.70 17 0.41 experiences of expats in that country. Two-thirds (67%) of United Arab Emirates 21 0.46 25 0.50 33 0.56 11 0.43 the Expat Experience score is derived from the quality of life Turkey 22 0.46 26 0.50 4 0.74 24 0.38 score, with the remaining third (33%) equally split between Italy 23 0.45 19 0.54 5 0.74 26 0.36 the ease of setting up and integration scores, covering a Mexico 24 0.45 24 0.52 3 0.75 27 0.36 total of 29 different criteria from the survey. United States 25 0.44 9 0.58 19 0.67 29 0.35

China 26 0.44 34 0.39 7 0.71 23 0.39

Belgium 27 0.44 12 0.57 28 0.62 25 0.36

Qatar 28 0.44 27 0.47 31 0.58 22 0.39

Brazil 29 0.43 28 0.47 2 0.76 30 0.33

Netherlands 30 0.42 23 0.53 30 0.58 28 0.36

United Kingdom 31 0.42 7 0.59 21 0.67 33 0.31

Saudi Arabia 32 0.39 31 0.44 29 0.61 31 0.33

Kuwait 33 0.38 33 0.42 32 0.57 32 0.32

Egypt 34 0.27 30 0.45 34 0.43 34 0.19

Expat Explorer Report 2014 21 Expat Experience Findings

Bahrain: The jewel in the and the global average of 39%, Middle Eastern crown and more than six in ten expats in Bahrain (62%) say they have An archipelago of islands in the a better work / life balance Arabian Gulf, Bahrain is proving than in their home country attractive as a destination for (compared with the Middle East expats heading to the Middle average of 44% and the global East. average of 40%).

In the 2014 Expat Explorer Furthermore, over half of expats survey, Bahrain ranks 2nd out in Bahrain also agree that they of 34 countries in the Expat have better accommodation Experience league table, (55%) and a better commute scoring particularly well for to work (68%) since relocation quality of life and performing – the highest out of all Middle better than its Middle Eastern Eastern countries where counterparts, Oman (19th), regional averages are 40% and United Arab Emirates (21st), 54% respectively and higher Qatar (28th), Saudi Arabia than the global averages of (32nd), Kuwait (33rd) and Egypt 40% and 45% respectively. (34th). “The welcoming Expats in the Middle East looking for a better work / and caring local life balance should enjoy people... make what Bahrain has to offer. Compared to the regional you feel you are and global average of 28%, at home.” expats in Bahrain are most likely to say they have a more Expat in Bahrain active social life since moving (38%). In addition, nearly half (47%) say they experience a better working culture and environment compared with the regional average of 43%

Expat Explorer Report 2014 22 Expat Experience Findings

Sporty expats embrace With its striking scenery and “Learn skiing - it Swiss living mountainous terrain, it’s not difficult to see why the country is the best way For many, a move abroad can lends itself to cleaner living. to enjoy winter... signal a new beginning – better Over three-quarters (77%) of food, better health, more expats living in Switzerland Summer time is exercise. This year’s Expat associate the country with great with many Explorer survey reveals that the a pleasant climate and open spaces of Switzerland, picturesque scenery. open air festivals New Zealand and Australia and activities by are encouraging expats to Expats also rank the local live healthier lives, with many environment second only to the lake.” who have relocated to these New Zealand when it comes Expat in Switzerland countries remarking on an to air quality and a lack of increased uptake in sport and pollution. Three-quarters of an improved diet. expats in Switzerland (75%) say that the local air quality and With ice skating, tobogganing pollution level is better than in and skiing as some of their home country (compared Switzerland’s favourite with the 40% global average). pastimes6, it is perhaps unsurprising that this country is Expat parents say their children home to the sportiest expats – are also reaping the benefits almost half say they are more of fresher air and more open active in sports here than they spaces, with three-quarters were at home (43% compared observing that their children’s with a 29% global average). health has improved following the move (74% compared with Switzerland-based expats also a global average of 56%). seem to have more leisure A further third of those time to indulge in these sporty surveyed observe a wider hobbies, as over half (51%) improvement in lifestyle, report a better work / life agreeing that their diet is balance than they had prior healthier than it was previously to moving (compared with (39% compared to 34% a global average of 40%). globally).

Expat Explorer Report 2014 23 Expat Experience Findings

Expats in Turkey delight in the With this in mind, it’s no than they did when they lived food and weather surprise that expats in the at home is twice the global Mediterranean are the most average (68% compared to Expats in the Mediterranean are likely in the world to say that 34%). throwing themselves into local they find it easy to get used to culture, food first – with expats the local food – around four in Meanwhile Vietnam and in Turkey leading the way. five expats in Turkey (85%), Italy Thailand emerge as the other (83%) and France (80%) agree, food favourites of the East, Global food trends for 2014 compared to the global average each proving a must-go location continue to show a fresh of 73%. A sunny climate also for the culinary expat. The appreciation for the lighter seems to go a long way in overwhelming majority of Mediterranean diet7 and this helping expats acclimatise to expats in these countries with year’s survey shows that there a new life abroad, with eight (87% in Vietnam and 85% in are plenty of expats following in ten expats in Turkey (82%) Thailand) agree that they enjoy suit, particularly those living agreeing that they found it the local food, exceeding the in the warmer European easy to get used to the local global average of 72%. countries. In Turkey, expats are weather. finding these flavours closer “Turkey has a lot to home and win the prize for When it comes to the best of to offer, don’t be the world’s most adventurous the best, those seeking out food shoppers, with 84% of only the tastiest yet healthy closed to it - try expats there choosing to do extravaganzas should head their shopping at local shops to Japan. Home to more than the food, travel and markets (compared with a 50,000 centenarians and the within the country global average of 68%). world’s highest life expectancy8, Japan is famed for its healthy and make friends These Turkey-based expats foodstuffs. This year’s Expat with plenty of are hotly followed by foodies Explorer survey saw a large in Italy, Mexico and France (all proportion of expats in Japan Turkish people.” 77%) who also shop locally expressing strong appreciation Expat in Turkey for produce, indicating that for the local diet – almost all expats here may be more be agree that they enjoy eating the more partial to the home-grown local food (93% compared with flavours found in places other a global average of 72%), and than the local supermarket. the number of those who say that they have a healthier diet

Expat Explorer Report 2014 24 Expat Experience Findings

British expats embrace new and New Zealand being the Popular destinations for British expats surroundings most popular. British expats are most likely to leave the United Expats hailing from the Kingdom to improve their United Kingdom are among quality of life (44% compared the most eager group in the with an average of 31%) and, 7% 7% world to embrace their new with 52% saying air quality and Canada United Arab Emirates surroundings, with 89% saying the environment in general has 12% they are happy to experience improved (compared to a global Australia the local culture. British expats average of only 40%), the move bridge the language divide seems to be paying off. 7% 6% New Zealand United States with pure enthusiasm and are among the most likely to seek a “Make sure you new challenge (40% compared with an average of 31%) when get out and meet moving abroad, while more people, join local than six in ten (63%) say they find it easy to make friends groups...you will after relocating, compared with soon start to a global average of 54%. make friends.” Brits are also one of the British expat in United Arab quickest internationally to adapt Emirates to the culinary delicacies of their new home with over eight in ten (83%) expats originally from the United Kingdom reporting that getting used to the new diet is easy, compared to an average of 73%.

Unsurprisingly, expats from the United Kingdom frequently head to English-speaking countries, with the outdoor lifestyles of Australia, Canada

Expat Explorer Report 2014 25 Expat Experience Findings

Expats enjoy the ‘keep calm and strike up conversation with (50%) of expats in the United Countries where expats have met a life partner since moving and carry on’ attitude of fellow dwellers. Kingdom say that they have Britain plc found a life partner since Global average In addition, the United Kingdom relocating, coming in well When it comes to the ‘keep emerges as the top location for above the global average of 9 49% calm and carry on’ mentality, expats straying outside expat 36%. China it appears that expats in the circles and socialising with 36% United Kingdom are some of locals over fellow expats (49% With nearly three-quarters 57% the best at adopting the local compared to 31% globally), of expats in the United Italy 48% Netherlands attitude and appreciating all that closely followed by New Kingdom agreeing that they Britain has to offer. Zealand (48%), Canada (48%) are integrating well into the 50% 49% and Ireland (46%). local community (73%), it is no United Russia Kingdom Expats in the United Kingdom surprise that the majority intend speak highly of the country’s This year’s Expat Explorer to stay put – seven in ten say local entertainment with survey also reveals that around they are planning to stay in over six in ten (63%) expats three-quarters (73%) of those their current location (72%), here saying they enjoy the surveyed are integrating well well above the global average entertainment on offer into the local community. of 61%. compared to a global average Even the British weather, (47%). The United Kingdom’s so often the source of “Enjoy the new thriving pub culture is described exasperation among natives, by many expat respondents doesn’t appear to put expats culture and get this year as an interesting off – around half (48%) say they to know people. and unique cultural aspect found it easy to get used to the of the country, and probably weather, despite the prolific They’re great.” contributes to expats’ ability to showers and cloudy spells Expat in United Kingdom meet and socialise with United which are often associated with Kingdom nationals. life in the United Kingdom.

This may also be augmented As well as frequenting bars, by the spike in the popularity pubs and coffee shops, the of British coffee shops10, with rising popularity of dating apps more independent coffee shops and websites11 with Brits also adopting a more European means that it’s never been approach and encouraging easier to meet a potential customers to stay for longer partner and fall in love. Half

Expat Explorer Report 2014 26 Expat Experience Findings

Adventurous expats opportunities available provide “Study Hiragana, Countries where expats have moved for a new challenge head to Asia an interesting challenge for expats originally from the West. Katakana & Global average Almost a third of expats (31%) A higher number of expats living Kanji (written who took part in this year’s in Japan and Taiwan are from the 49% 46% Expat Explorer survey say that United States (42% and 35% Japanese) as Malaysia Thailand they moved abroad because respectively) while around a well as spoken 66% 31% they wanted to have a new quarter of expats in Malaysia and Japan challenge. This reason is as Vietnam are British (27% and Japanese before common a driver of expatriation 25% respectively). moving here. as ‘improving quality of life’ and 52% 52% 46% ‘moving to be with a partner This Asian trend is especially Especially if you Taiwan Vietnam China or family’, and has only been clear in the case of Japan, topped by ‘better job prospects’ which is renowned for its are in a rural (38%). unique culture and also area, it will help attracts the highest number The region that most attracts of challenge-seeking expats. immensely.” these challenge-seeking expats Expats moving to Japan are Expat in Japan is Asia, with over two-fifths embracing the challenges and (44%) of respondents living getting involved with all that there citing this as a key driver. the country has to offer - the Two-thirds (66%) of expats vast majority of expats in Japan in Japan and just over half in (95%) say that they are keen Taiwan (52%) and Vietnam to experience local culture (52%) say this is one of the (compared with the global main reasons why they moved, average of 83%). and in these countries, the desire for a challenge outranks Further to this, expats living all other reasons for moving. in Japan are the most likely to try to speak the local language Expats heading to Asia (87% compared to the global most often originate from average of 58%) despite the Western countries such as fact that it is so hard to master the United States and United (72% noted the difficulty of Kingdom, suggesting that the Japanese compared to the different culture, language and global average of 33%).

Expat Explorer Report 2014 27 Expat Experience Findings

It comes with age: retired with a new way of life and group - two-thirds (66%) say Expat retirees more likely to acclimatise to life abroad expats embrace life abroad finding friends and partners. that it’s easy to make friends, and over two in five (46%) Expat retirees The prospect of better climes, While some might say that with expats say that they have found improved quality of life and age comes a sense of being set a life partner in their current more varied cultures can be in your ways, this year’s survey country, above the global expat All expats a driver for those heading shows that retired expats are average of 36%. overseas in their later years. breaking the stereotype and For whatever the reason, making sure they’re spending Expat retirees also appear it’s not difficult to see why their retirement exactly how much more likely to stay put retiring abroad is growing in they want. Retired expats are once they’ve made the move – popularity12. Among expat more likely to be first time almost nine in ten retired expats 79% retirees who took part in the expats (63% compared with say that they intend to remain 73% 2014 Expat Explorer survey, the global expat average of where they are currently (86% 71% 71% almost a third (29%) said they 53%), rather than serial expats compared to 61% globally). moved to improve their current - perhaps indicating that they’re 65% quality of life. unafraid of new challenges and “Make sure 60% big changes. When looking at the top retiree that planning for 54% 54% hotspots, Canada takes the The prospect of fitting into a retirement is on crown as the most popular new culture and integrating 46% destination, with the proportion into the local community goes the agenda so of retired expats living there hand-in-hand with this – three- that you can do it almost three times the global quarters of retired expats say 36% expat average (31% compared that they find it easy to do properly.” with 11% globally), followed both of these (73% and 79% Expat in Canada by New Zealand (28%) and the respectively), adding further to United States (26%) a picture of a more confident and liberated expat retiree. The findings also show that retired expats are better at With community integration acclimatising to expat life – and cultural understanding not and generally find it easier fazing these expats, it’s not than any other group to tick surprising to see that expat Ease of finding Ease of fitting Likeliness to Ease of making Likeliness for off the boxes when it comes retirees are also finding friends accommodation into a new culture integrate well in friends finding a life to setting up, getting to grips more easily than any other or lifestyle the community partner

Expat Explorer Report 2014 28 Expat Explorer Report 2014 Raising Children Abroad

Expat Explorer Report 2014 29 Raising Children Abroad League table

Country Raising Children Abroad Childcare Education Health Experience Raising Children Abroad rank and Rank Score Rank Score Rank Score Rank Score Rank Score score

New Zealand 1 0.54 12 0.40 5 0.47 1 0.78 5 0.51 The Raising Children Abroad league table ranks each country South Africa 2 0.53 4 0.44 14 0.40 3 0.73 1 0.55 using a score that summarises expat parents’ views about Germany 3 0.52 10 0.42 10 0.43 5 0.70 4 0.52 raising their children in that country. The Raising Children Japan 4 0.50 15 0.37 1 0.49 10 0.65 9 0.48 Abroad score is the average of the childcare, education, Singapore 5 0.50 16 0.36 8 0.43 6 0.69 7 0.50 health and children’s experience scores, covering a total of 11 different criteria from the India 6 0.50 2 0.50 2 0.48 20 0.56 18 0.44 survey.

Belgium 7 0.49 6 0.43 4 0.47 11 0.64 21 0.43

Canada 8 0.49 19 0.35 9 0.43 7 0.68 8 0.49

Bahrain 9 0.49 8 0.43 15 0.39 9 0.65 11 0.47

Switzerland 10 0.48 27 0.26 13 0.40 2 0.74 2 0.54

Spain 11 0.48 5 0.43 12 0.41 8 0.65 20 0.43

China 12 0.46 7 0.43 3 0.48 24 0.46 12 0.47

France 13 0.46 12 0.40 11 0.42 17 0.59 23 0.42

Thailand 14 0.46 1 0.57 27 0.29 28 0.44 3 0.52

Netherlands 15 0.45 21 0.32 7 0.43 13 0.64 22 0.42

United Arab Emirates 16 0.44 18 0.36 22 0.32 14 0.63 16 0.45

Italy 17 0.43 14 0.37 19 0.35 12 0.64 28 0.38

Expat Explorer Report 2014 30 Raising Children Abroad League table

Country Raising Children Abroad Childcare Education Health Experience Raising Children Abroad rank and Rank Score Rank Score Rank Score Rank Score Rank Score score

Taiwan 18 0.43 9 0.42 17 0.35 23 0.48 13 0.47 The Raising Children Abroad league table ranks each country Australia 19 0.43 33 0.23 20 0.33 4 0.73 24 0.42 using a score that summarises expat parents’ views about Russia 20 0.42 17 0.36 6 0.44 21 0.54 31 0.33 raising their children in that country. The Raising Children Qatar 21 0.41 22 0.32 29 0.27 15 0.61 17 0.45 Abroad score is the average of the childcare, education, Hong Kong 22 0.41 11 0.41 28 0.27 25 0.45 6 0.51 health and children’s experience scores, covering a total of 11 different criteria from the Ireland 23 0.39 32 0.23 21 0.33 18 0.59 19 0.43 survey.

Malaysia 24 0.39 20 0.33 23 0.31 26 0.44 10 0.47

Vietnam 25 0.38 3 0.49 18 0.35 33 0.22 15 0.46

Mexico 26 0.37 23 0.32 16 0.38 29 0.42 27 0.38

Oman 27 0.36 28 0.25 30 0.27 22 0.53 25 0.41

Kuwait 28 0.36 24 0.29 26 0.29 16 0.59 33 0.27

United States 29 0.34 30 0.24 24 0.31 27 0.44 29 0.36

Saudi Arabia 30 0.33 26 0.28 33 0.20 19 0.56 32 0.29

Turkey 31 0.32 25 0.28 32 0.21 31 0.38 26 0.40

United Kingdom 32 0.31 34 0.20 25 0.31 30 0.38 30 0.34

Brazil 33 0.30 29 0.24 34 0.17 32 0.33 13 0.47

Egypt 34 0.19 31 0.23 31 0.24 34 0.13 34 0.16

Expat Explorer Report 2014 31 Raising Children Abroad Findings

New Zealand tops the charts (73% rate the environment as for raising children abroad better than their home country compared to a 33% global This year, New Zealand average), which all make it an emerges as the best place to ideal destination to raise active, raise a child, coming 1st in the outdoorsy, and healthy children. Raising Children Abroad league Expat parents also point out table, ahead of South Africa some distinct benefits of raising (2nd), Germany (3rd) and Japan children in New Zealand, with (4th). 87% saying that their children enjoy a better quality of life New Zealand performs (compared with the global particularly well in terms of average of 56%) and nearly health and also comes in the six in ten (58%) say that that top five countries in terms of their children are more well- education (5th) and experience rounded as a result of moving (5th). Nearly nine in ten (87%) there (compared with the global expat parents in New Zealand average of 40%). note the improved safety of their children since moving “Life is what you (compared with the global average of 61%) as well as their make it here – improved health and wellbeing there are more (78% compared with the global average of 56%). opportunities for children, both The scenery, diverse landscape and good weather are also educationally and factors noted by expats in New socially.” Zealand. The vast majority of expat parents highlight the Expat parent in New Zealand pleasant climate and scenery as a benefit of living there (89% compared to the global average of 48%) alongside the above average environmental factors

Expat Explorer Report 2014 32 Raising Children Abroad Findings

The states of play for expat 65%. A higher proportion also for their children – six in ten families in the United States remark on the strong bond they (61%) say that this is simple to and Canada feel with their new home. Eight do, compared with 35% in the in ten expats in Canada say that United States and 41% globally. Canada and the United States they feel a strong connection Furthermore, a quarter (24%) offer expats an easy setup and to their host country (88% agree that the country is a cost- great quality of life, particularly compared with a global average effective place to raise a family for families. of 62%), and the picture is compared to other countries, similar in the United States, deeming it less expensive than When it comes to the reasons where seven in ten say the home. expats are heading to these same thing (70%). countries, family ties go a long “Say yes when way. Over two-fifths (44%) of The state of play for expats in expats in the United States the United States and Canada you are invited to and nearly one-third (30%) in is a positive one, especially go somewhere Canada cite following a partner where families are concerned. or family member as their main Canada in particular emerges or do something. motivation for moving, with as a great spot for parents and Most of the time, others believing that they are children alike, as three-quarters likely to enjoy a better quality of of parents (75% compared to a you will have life by making the jump abroad global average of 61%) say that fun and learn (18% in the United States and they feel their children are safer 38% in Canada). than they were in their home something about country. It’s not just safety With expats in the United either. Canada also scores well where you are States and Canada most likely when it comes to the general living.” to originate from English- health and wellbeing of expat speaking countries like the kids – nearly seven in ten expat Expat parent in Canada United Kingdom, roughly parents here say that is a lot three-quarters of expats in both better than it was previously locations (73% in the United (68% compared to a global States and 76% in Canada) average of 56%). comment on the ease with which they integrated into the Canada also gets a gold star local community, weighing in from expat parents when it above the global average of comes to arranging schooling

Expat Explorer Report 2014 33 Raising Children Abroad Findings

Global trends in expat The quality of education “If you want to education offered in these countries likely contributes to parents’ integrate, live in Providing their children with willingness to state-educate the countryside good quality education is a their children. Indeed, these top priority for any parent, countries are commonly and send your and for those relocating as a regarded as having some of kids to local family abroad, the choices for the best education systems in education and the decisions the world, with 51% and 38% schools.” to be made about schooling of parents ranking the United Expat parent in Switzerland can be as important as which States and United Kingdom country to move to. This year’s respectively in their top three Expat Explorer survey reveals countries for the highest quality that two in five (40%) expat education13. parents choose to send their children to international schools. While home schooling has The region where this is most minimal uptake in comparison prevalent is the Middle East to other educational systems with the vast majority of expat in all countries, the 2014 parents in Qatar (84%), Bahrain data reveals areas where the (80%) and the United Arab highest propensity to home Emirates (77%) opting for this school occurs among expats. type of schooling. Expat children in Oman are four times more likely to be When looking at state schools, home schooled than the global over a third (37%) of expat average (12% compared to parents choose to send their 3%), closely followed by China children to local schools. This (10%) and Spain (8%). trend is particularly common among expats living in English- speaking countries with established local curriculums such as New Zealand (80%), Canada (79%), Ireland (78%), United States (78%) and the United Kingdom (72%).

Expat Explorer Report 2014 34 Raising Children Abroad Findings

Japan: The safest place to in which the country excels for Safest countries for expat parents to raise a child raise your children. parents. Many expats globally cite the quality of education Japan’s crime rate has always available to their children, and been relatively low, but this Japan ranks the highest out year, official figures show that it of any other country in this 87% 81% has dropped even lower. Official respect with 81% of expats New Zealand Switzerland Organisation for Economic (compared to the 46% global 94% 80% Co-operation and Development average) noting this as a benefit Japan United Arab (OECD) figures ranked Japan of expatriation. Emirates as the safest country in the 86% world in terms of crime. The “The city is Singapore organisation attributed an ageing population, better safety extremely safe.” technology and less use of Expat parent in Japan cash14 as the reasons for lower crime rates. Unsurprisingly nearly nine in ten (86%) expats in our 2014 Expat Explorer survey associate the country with higher personal security (over double the global average of 42%).

Equally, the vast majority (94%) of expat parents say that the safety of their children improved since moving, and no expats at all say that it became worse, putting Japan well ahead of any other country in the child safety stakes.

With Japan ranking 4th in the Raising Children Abroad league table, safety is not the only area

Expat Explorer Report 2014 35 Expat Explorer Report 2014 Expat Expenses

Expat Explorer Report 2014 36 Expat Expenses League table

Country Expat Expenses Disposable income Cost of everyday items Expat Expenses Rank Score Rank Score Rank Score rank and score Thailand 1 0.68 3 0.79 1 0.62 The Expat Expenses league Vietnam 2 0.62 1 0.82 9 0.52 table ranks each country using a score that summarises Taiwan 3 0.60 7 0.75 2 0.53 expats’ ability to afford a range of goods and services – 35% China 4 0.60 2 0.80 4 0.50 of the Expat Expenses score is derived from the disposable Bahrain 5 0.50 4 0.78 10 0.34 income score, with the remaining 65% coming from India 6 0.49 18 0.65 5 0.41 the cost of everyday goods and services score. This involves Turkey 7 0.49 12 0.70 6 0.38 a total of 12 criteria from the survey. Oman 8 0.48 9 0.74 9 0.35 The Expat Expenses score is Qatar 9 0.46 6 0.76 15 0.30 used to reveal insights into the cost of living in the host Kuwait 10 0.46 14 0.70 12 0.33 country, but is not included in the Expat Explorer overall Malaysia 11 0.46 15 0.68 11 0.34 league table or score.

Saudi Arabia 12 0.45 21 0.63 7 0.36

Russia 13 0.44 13 0.70 16 0.30

Mexico 14 0.44 23 0.60 8 0.35

Hong Kong 15 0.44 11 0.71 17 0.29

Germany 16 0.40 8 0.74 27 0.22

Spain 17 0.40 27 0.55 14 0.32

Expat Explorer Report 2014 37 Expat Expenses League table

Country Expat Expenses Disposable income Cost of everyday items Expat Expenses Rank Score Rank Score Rank Score rank and score United States 18 0.40 22 0.62 18 0.28 The Expat Expenses league Singapore 19 0.40 10 0.73 28 0.21 table ranks each country using a score that summarises United Arab Emirates 20 0.39 16 0.66 21 0.24 expats’ ability to afford a range of goods and services – 35% Switzerland 21 0.39 5 0.76 29 0.19 of the Expat Expenses score is derived from the disposable Canada 22 0.38 19 0.65 22 0.24 income score, with the remaining 65% coming from Egypt 23 0.37 33 0.47 13 0.32 the cost of everyday goods and services score. This involves South Africa 24 0.37 30 0.54 19 0.28 a total of 12 criteria from the survey. France 25 0.37 31 0.54 20 0.27 The Expat Expenses score is Japan 26 0.35 25 0.58 24 0.23 used to reveal insights into the cost of living in the host Italy 27 0.35 26 0.57 25 0.23 country, but is not included in the Expat Explorer overall Australia 28 0.35 17 0.66 33 0.18 league table or score.

Brazil 29 0.35 24 0.58 26 0.22

Belgium 30 0.34 20 0.64 34 0.18

New Zealand 31 0.33 32 0.49 23 0.24

Ireland 32 0.31 28 0.55 31 0.19

Netherlands 33 0.31 29 0.54 32 0.18

United Kingdom 34 0.28 34 0.47 30 0.19

Expat Explorer Report 2014 38 Expat Expenses Findings

Affordable living in Vietnam live (69% and 64% respectively, “Eat the local and Thailand compared to the global average 47%). Whether it’s enjoying Thai food and enjoy For expats living in the Far New Year or the Vietnamese domestic travel. East, life is sweet and – often Tet-Lunar New Year festival, – comes at a lower price than it both cultures offer plenty to do It’s cheap and did at home. for almost any budget. Here, easy.” recreation also comes at a price Expats in Thailand and Vietnam cheaper than almost anywhere Expat in Vietnam point out how cost-effective it else in the world. These two is to live in these destinations, Asian countries top the tables with many saying that the for affordable fun, with about countries offer much better half the expats living in Thailand value than home. The expat (50%) and Vietnam (49%) opinion of Thailand has not spending less on going out to shifted particularly from last visit local restaurants, theatre, year’s survey, underlining the music bars or general night fact that the Far East continues life compared with the global to be a magnet for expats average of 23% who said the in search of cost-effective same. adventure. But it’s not just about a good This year, around two-thirds of night out. Expats in Thailand expats say that they associate and Vietnam are among those Thailand and Vietnam with most likely to find that they are a higher quality of life (69% travelling more since becoming and 62% respectively), with an expat, making the most many also commenting on the of small islands nearby and comparatively higher levels of transport links to other parts disposable income (72% and of the east: particularly so in 75% respectively). Vietnam, where eight in ten expats agree (79%), just above Around two-thirds of expats in Thailand (68%), and significantly Thailand and Vietnam associate higher than the global average their host country as being a of 58%. culturally interesting place to

Expat Explorer Report 2014 39 Expat Expenses Findings

Less is more for expats large proportion (78%) of in Asia expats in the country say the quality of their accommodation The most affordable places to improved or stayed the same. live are also some of the most The same is true in healthcare, rewarding according to our with expats in Taiwan receiving Expat Expenses league table. both the cheapest and the best In Asia, over six in ten (65%) healthcare. expats see their disposable income increase, with more “However much expats rating the country highly for quality of life (50%) than you think you either Europe (37%) or the need to bring with Middle East (48%). you - don’t. Or China is the best place for bring half. What expats looking to make their money go further, with more you can get here than three quarters (76%) is either better or of expats in the country experiencing a growth in their cheaper, so not spending power once they’ve moved. The Asian countries of worth the hassle Vietnam, Thailand and Taiwan bringing it from round out the top of our table, driven by lower spend home!” on utilities, groceries and Expat in Thailand accommodation.

Despite expats in Thailand saying they spend less on accommodation than they did at home (70% compared with the global average of 23%), the quality of accommodation is not compromised, and a

Expat Explorer Report 2014 40 Expat Expenses Findings

Taiwan scores double less on healthcare than they Affordability versus quality of healthcare for expat healthcare used to (67% compared with the global average of 27%), The Taiwanese healthcare while almost two-thirds (64%) Affordable, system is coveted by healthcare say they enjoy the higher quality low quality Taiwan tourists around the world, but of healthcare on offer in Taiwan healthcare Affordable, its simple rules for expats and – again at an above global high quality provisions for health insurance average of 38%. Affordability healthcare are what distinguish it from the pack in this year’s Expat Healthcare is a major cost for Explorer survey15. expats worldwide, with only 27% saying healthcare costs Upon relocation, all expats and went down after making the their employers are required move. Taiwan is joined by to register with the National the select few countries of Health Insurance system, which United Kingdom, Thailand, UK grants them access to medical Japan and Saudi Arabia Japan India Thailand and dental care16. Contrary to offering high quality, affordable Quality how many expats feel about the healthcare for expats. However, Saudi Arabia paperwork involved with getting despite enjoying higher China Kuwait Russia Qatar enrolled onto local healthcare quality healthcare, expats in Vietnam Spain Oman Italy systems, nearly seven in ten Switzerland (78%), Germany Bahrain Mexico Canada (69%) expats in Taiwan agree (55%), France (48%) and Malaysia that organising health insurance Belgium (45%) are more likely France is relatively easy compared to a to report that the healthcare Egypt Turkey Belgium global average of 55% who said costs are higher than the global the same. average of 42%. Brazil UAE

New Zealand Hong Kong Expats who took part in the “Taiwan has a Germany Australia 2014 survey also rate Taiwanese Ireland South Africa healthcare as one of the best well-run health Netherlands Singapore in the world, with the results care system.” Expensive, USA Expensive, eclipsing its rivals, both in terms low quality Switzerland high quality of affordability and quality. Expat in Taiwan healthcare healthcare Nearly three times as many expats say they are spending

Expat Explorer Report 2014 41 Country report

Expat Explorer Report 2014 Country reports

Expat Explorer Report 2014 42 Country report Who are the expats in Respondents: 588 Australia Australia

Australia is attracting a huge being met too, as the vast In summary compared with the global Gender Country of origin number of British expats, majority (86%) of those living Australia’s average of 54%), healthcare who are looking to improve there associate Australia with beautiful (70% compared with the global their quality of life and take a pleasant climate and scenery scenery and average of 55%) and utilities advantage of the pleasant (compared with the global reliable climate (70% compared with the global climate and scenery on offer. average of 48%) while 59% appeals to average of 56%). The ease Of the expats who responded associate the country with a expats seeking with which expats are able Other in this year’s Expat Explorer high quality of life (compared out a better to get everything set up may 53% 31% survey, half of those living in with the global average of quality of life. also be freeing up time for Australia originate from the 46%). Unsurprisingly, the them to settle in to their new United Kingdom United Kingdom and Ireland perennial good weather is also community, as over three- 45% (45% and 5% respectively). proving conducive to a more quarters (77%) commented on 12th Ireland In fact, Australia is the most active and healthier lifestyle for Expat how easily they integrated into 5% popular destination among children with almost three- Explorer overall the local community (compared 47% New expats originating from the quarters (73%) of expat parents with the global average of Zealand 19% United Kingdom, with 12% of noting their children’s improved 65%). British expats choosing to direct health and wellbeing since 14th their move down under, double moving (compared with the Expat Unlike other countries that “It is a lifestyle choice more than anything. Salaries might the global average of 6%. global average of 56%). Economics expats move to for career not be as much as they offer to move to other countries, specific purposes, Australia is Over two-fifths (46%) of expats These positive factors will more about the experience. but the quality of life is awesome in Australia.” in Australia say they moved have contributed to Australia 4th However, the consistent spread Expat in Australia there to improve their quality of coming in 4th place in the Expat of expats working across life (compared with the global Expat Experience league tables, Experience different sectors shows that Age Occupation average of 31%), while over but this ranking has been Australia has opportunities a third (34%) say there were boosted by the country’s high on offer across a wider drawn by the promise of a good score for setting up. Australia 19th spectrum of professions, with 10% climate (compared with the came in 2nd place for ease of Raising an equal proportion of expats Telecommunications, global average of 13%). This setting up, falling just behind Children working across health (10%), 35% IT & Internet 55+ is perhaps unsurprising given its geographical neighbour Abroad construction and engineering that many expats heading to New Zealand. Australia scores (10%), financial services (10%), INDIA 10% Australia are originally from consistently well across all hospitality and tourism, (10%) 47%5% Banking, Insurance, 35-54 the United Kingdom and, no areas of setting up with expats and telecommunications and Financial Services doubt, looking for a sunnier especially noting the ease internet (10%) sectors. 18% break from the infamous British with which they were able to 18-34 10% drizzle. Their expectations are organise their finances (72% Health

Expat Explorer Report 2014 43 Country report Who are the expats in Respondents: 146 Bahrain Bahrain

Even though expats in Bahrain compared with a global average In summary of the local childcare (compared Gender Country of origin are more likely than average of 40%). This is particularly Expats in with a global average of 48%) to say they have stronger ties impressive when considering Bahrain are whilst overall around two-thirds to their new country (67% that 77% of expats in the some of the (65%) say they saw the health compared with a global average country say they are earning best in the world of their children improve after of 62%), these expats are more than they would do at at integrating moving (compared with a global Other 25% also among the most likely home (compared with a global into the local average of 56%). to say they still retain strong average of only 53%). culture without 71% associations with their country losing their India of origin (91% compared with a However, the pay boost home identities. 36% global average of 82%). can be seen as a necessity Poland when looking at the added 13% Epitomising the contradictions expenditure expats experience 5th of expat identity, expats in upon moving to Bahrain, Expat 29% United Bahrain enjoy the local culture especially for accommodation Explorer overall Kingdom (84% compared with a global and general grocery costs. 26% average of 83%) and the local Nearly two-thirds (64%) of food (74% compared with a expats in the country say they 11th global average of 72%) but encounter more expensive Expat “The locals respect and accept expats also make friends with other housing than they are used Economics in a very friendly way.” expats (75% say they tend to to (compared with a global Expat in Bahrain make friends with other expats average of 52%), and the same compared to a global average number also say groceries are 2nd of 44%). more expensive than in their Expat Age Occupation home country (compared with Experience Combining a 2nd place ranking the global average of 49%). in the Expat Experience league 36% table with 11th place in the Expat parents are particularly 9th Banking, Insurance, Expat Economics rankings, over complimentary about the Raising 36% Financial Services 18-34 half (53%) of expats in Bahrain country, with three-quarters Children say they moved to improve their (75%) saying it is a safer place Abroad INDIA 11% job prospects (compared with a for their children than their 51%5% Marketing, Media, 35-54 global average of 38%) and the home country (compared with Creative majority have found that their a global average of 61%). Six 12% work/life balance has improved in ten (60%) expat parents we 55+ 9% since they arrived (62% spoke to also rated the quality Retail, Wholesale

Expat Explorer Report 2014 44 Country report Who are the expats in Respondents: 115 Brazil Brazil

When it comes to expat life, Leading Economies17 otherwise In summary be a big attraction for expats. Gender Country of origin the main area where Brazil known as the ‘EAGLEs’ and A magnet for Nearly six in ten (57%) of those excels is integration – it’s one consisting of Brazil, Turkey, expats seeking arriving there say that they of the places expats say they India, China, Mexico and Taiwan excitement strongly associate Brazil with are able to acclimatise to life among others, are proving to and a colourful being a culturally interesting United Kingdom abroad most easily. This year be popular destinations for culture. place for themselves and their 17% it was beaten only by Taiwan companies looking to send families to live, in addition which topped the tables for their employees overseas. to around three-quarters 73% the integration factor, with The fact that one in ten expats 32nd remarking on the pleasant local Other United Brazil coming second out of who move to Brazil work in the Expat scenery (76%) and friendly local 56% States 34 countries. Seven in ten construction and engineering Explorer overall people (75%). 17% (70%) expats there say they are business (10%) is likely to be integrating well into the local associated with the country’s Brazil is also a good place community (compared with a recent surge in demand for for expat foodies – just over Argentina 26th 10% 18 27% global average of 65%) and a these types of roles . Expat eight in ten (83%) say they similar proportion (73%) say Economics enjoy the local food (compared that they feel welcome at work. A similar proportion also says with a global average of 72%) Nearly half (47%) say that they that they moved to follow and three in four expats in “The music, the food and the happiness found it easy to make friends family or a partner (32%) to 29th Brazil say they tend to shop during their early experiences Brazil. Although the country Expat for local produce (73%) at of the people.” as an expat in Brazil, despite didn’t retain its crown for being Experience independent markets rather Expat in Brazil anecdotal comments from the destination where expats than supermarkets. Looking expats in our survey saying that are most likely to fall in love more broadly at the picture, the country can sometimes be and find a new life partner19, 33rd two in five (40%) expats there Age Occupation a challenging place to grow a its figures this year match the Raising say they feel that overall the network. global average of 36%. Children country is improving, which Abroad scores above the 32% global 26% For expats in Brazil, the main Brazil also emerges as a average – underlining Brazil Banking, Insurance, driver for relocating tends to magnet for those expats as an enjoyable and balanced 25% Financial Services 18-34 be for work – well over a third seeking culture and excitement expat destination. say they were sent by the – and there’s no question that INDIA 12% company or organisation (37%) this year’s international football 51%5% Education they work for and the same games are another example 35-54 proportion say they moved to of this coming into play. The 23% 10% find a new challenge (37%). country’s many festivals20 and 55+ Construction, The Emerging and Growth its rich history also appear to Engineering

Expat Explorer Report 2014 45 Country report Who are the expats in Respondents: 496 Canada Canada

Canada is a great destination compared with the global In summary average of 56%). Not only are Gender Country of origin for expats looking to immerse average of 54%), organise Great for kids, children safer and healthier themselves in their new finances (63% compared with parents and upon moving to Canada, but environment and really venture the global average of 54%), retirees: expats they can also benefit from a out of the expat bubble. and set up healthcare (63% heading to great state-education system, in compared with the global Canada like to which 79% of expat parents Over six in ten (62%) expats average of 55%). to break out are choosing to enlist their living there say that they find of the expat children (compared with the 55% it easy to make local friends In terms of the reasons why bubble. global average of 37%). Other UK (compared with the global expats are heading to Canada, 44% 33% average of 50%) and 48% are over a third (38%) move there It isn’t just about expat children socialising more with locals to improve their quality of life 11th though, as Canada has a lot to than with other expats (compared with the global Expat offer for the older expat. Indeed, (compared with the global average of 31%). They are not Explorer overall Canada is host to the highest US 45% Hong India 13% average of 31%). Furthermore, likely to be disappointed either, proportion of expat retirees Kong 5% over three-quarters (76%) as nearly six in ten (58%) note than in any other country (31% 5% note the ease with which the improved environmental 17th compared with the 11% global they integrated in to the local health factors (compared with Expat average), and these individuals community (compared with the the global average of 33%) and Economics are displaying confidence in the “Enjoy this wonderful country and its people. global average of 65%), likely better quality housing (56% local economy by choosing Commit to the way of life here.” contributing to their satisfaction compared with the global to keep the majority of their Expat in Canada more broadly, as the vast average of 40%) on offer in the 12th retirement provisions in country majority (88%) of expats say country. Expat (79% compared with the global they feel a stronger connection Experience average of 41%). This positive Age Occupation with the country (compared Expat children are also seeing economic sentiment is shared, with the global average of these benefits. Three-quarters it seems, by the wider expat 62%). (75%) of expat parents say 8th population, 79% of whom 12% that their children have a better Raising express satisfaction with the Telecommunications, Perhaps having these local quality of life since moving Children local economy (compared with 36% IT & Internet 35-54 friends helps to guide the and are safer than they were Abroad the global average of 62%) setting up process too, with back home (compared with and associate the country INDIA 11% respondents ranking Canada the global average of 56% and with economic growth (45% 58%5% Banking, Insurance, 55+ as being the 5th in which to 61% respectively) while 68% compared with the global Financial Services set things up. Expats living note that their children’s health average of 33%). 6% there say that it is easy to and wellbeing has improved 18-34 10% find accommodation (67% too (compared with the global Health

Expat Explorer Report 2014 46 Country report Who are the expats in Respondents: 119 China China

This year, China tops the Expat as China emerges as a hotspot In summary (43%) saying that they have Gender Country of origin Economics league tables, for higher earners. Compared A growing a more active social life since ranking 1st across a range of with the global average of 5%, economy moving (compared with the economic factors including almost one in four (23%) expats offering higher global average of 28%). income, wealth and disposable living in China earn more than earnings and United Kingdom income, and in the top five $300,000 p.a. - the highest a lower cost As an EAGLE economy, China 18% for satisfaction with the local proportion of any country. of living. is also investing heavily in economy. education22, and this is reflected 60% China also performs well in the in the experience of expats Hong Indeed, a significant proportion Expat Expenses league table, living there. Nearly two- thirds Kong 3rd 14% of expats in China say that they ranking 4th out of 34 countries Expat (65%) of expat parents say that Other 54% are happy with the general in this regard. In fact, expats Explorer overall the quality of their children’s state of the economy (85% in China are spending less on education has improved as a Australia compared with the 62% global day-to-day expenses across result of the move (compared 40% 14% average) and this does not the board with 62% forking out 1st with the global average of 46%) look set to change, as over half less money on public transport Expat and just over six in ten (62%) (52%) currently associate the (compared with the global Economics note the ease with which they country with economic growth average of 35%), household were able to organise schools “Everything revolves around food - business deals can (compared with the global goods (51% compared with (compared with the global average of 33%). the global average of 22%) and 26th average of 41%). be signed at the dinner table or even in karaoke!” utilities (62% compared with Expat Expat in China Employers and employees the global average of 26%) as Experience alike are recognising the well as on leisure costs such as opportunities in this Emerging going out (45% compared with Age Occupation and Growth Leading Economy21 the global average of23%). 12th (EAGLE) with 53% of expats Raising moving there for better job Higher income levels, combined Children 26% prospects (compared with with these cheaper outgoings, Abroad Education the global average of 38%) mean that 76% of expats in 40% 18-34 and nearly a quarter (24%) China are finding themselves 17% being seconded by their with more disposable income INDIA Construction, employer (almost double the than they did back home 50%5% Engineering global average of 13%). The (compared with the global 35-54 pay packages on offer are no average of 53%) and are 10% 11% doubt encouraging workers to enjoying a better social life as 55+ Banking, Insurance, accept these expat postings a result with over two-fifths Financial Services

Expat Explorer Report 2014 47 Country report Who are the expats in Respondents: 248 France France

France ranks 9th in the Expat high quality healthcare as a key In summary France becoming multilingual Gender Country of origin Experience league table, so benefit of moving (compared to Vive la France: – they’re enjoying inexpensive it’s no surprise that improving a global average of 28%). Lifestyle and schooling too. Nearly two quality of life was top of the language go thirds (64%) are state school wish list for expats moving to It could be these reasons which hand in hand educated there, compared with France, with over two-fifths are prompting expats to stay for expats in a global average of 37% and (43%) citing this as a reason for put – 71% are planning to stay France. 45% of expat parents in France 55% moving, compared to a global in France, compared to 61% report that they spend nothing average of 31%. globally who told us they aim on schooling, compared with a Other United to stay in their current host global average of 19%. Overall, 43% Kingdom 23rd 43% Expats in France tell us they’re country. Expat 35% of expat parents in France enjoying good food, temperate Explorer overall report that it is less expensive weather and great healthcare. Long-term plans to stay to raise their children there than Of those surveyed, the vast in France are matched by it would be at home, double the Belgium Algeria majority (84%) enjoy local commitment to integrating 30th global average of 17%. 45% 4% US 6% cuisine compared with a global and particularly the adoption Expat 4% average of 72%, while nearly of the French language – 83% Economics half (48%) find their diets are are attempting to learn the “Learn the language and meet the locals. Explore the now healthier too compared local language (compared with country and go off the beaten track – there are lots of with a global average of 34%. a global average of 58%) and 9th France is described as having 58% of expat parents report Expat hidden treasures to discover in France.” a pleasant climate and scenery that their children are learning Experience Expat in France by 63% (compared to a global a new language too since average of 48%) – with 53% moving aboard (compared with Age Occupation saying their environmental a global average of 45%). In 13th conditions are better than 44% of cases, expats report Raising before (compared to a global that learning the local language Children 18% average of 40%). was easy compared to a global Abroad Hospitality, Travel, average of 34%, suggesting 36% Leisure, Tourism, 55+ Healthy food and a healthy that, while picking up the Customer Service environment are matched by language may be a necessity INDIA higher quality healthcare too – of expat life there, expats find 44%5% 12% 35-54 60% of expats in France now French among the easier of Education experience better healthcare foreign tongues to learn. 20% (well above a global average of 18-34 9% 38%) and over half (52%) cite Not only are expat children in Telecommunication, IT & Internet

Expat Explorer Report 2014 48 Country report Who are the expats in Respondents: 181 Germany Germany

Germany emerges from the something that is not the norm In summary Despite this, most expats find Gender Country of origin 2014 Expat Explorer survey as globally (the global average is Safety and they integrate well into the local a safe and stable destination only 37%). One parent pointed stability: community (70%), with 86% for expats, particularly for those out that ‘enrolling your children expats living in saying they enjoy experiencing looking to raise children abroad. in a public school helps the Germany have local culture, particularly Those living in the country are child to learn language easily few worries, highlighting annual festivities United unlikely to report economic and gets them connected making it a such as the Oktoberfest festival Kingdom or political uncertainties - an to their community’23. Other great place to and Christmas markets as 62% 28% impressive 87% of expats expat parents in Germany also bring up a child. valuable experiences during Other say they are satisfied with the recognise this to be the case, their posting in the country. 45% state of the German economy, as 81% of those believe one of considerably higher than the the main benefits of bringing 4th global average of 62% and their children up abroad is that Expat United more than six in ten regard it they will learn a new language, Explorer overall States 38% 19% as a safe (61%) and politically almost twice the global average Austria 8% stable place to live (67%). of 45%. 7th This sense of security may In fact, expats are just as Expat “There is so much to see and do in Germany. You will be a key factor in explaining concerned with learning and Economics Germany’s position in this speaking German themselves not get lonely nor will it be boring. It’s the experiment year’s league table for Raising as with their children doing so of a lifetime.” Children Abroad. Eight in ten – 82% say they try to speak the 10th Expat in Germany (80%) say that it is a safer place language as much as possible, Expat for their children than their far more than the global Experience Age Occupation home country, considerably average (58%). Indeed, many higher than the global average emphasised how important of 61%. Similarly, most expats this is for integrating into the 3rd 14% feel that their children’s general community, suggesting that it Raising Telecommunications, health and wellbeing is better is worth making the effort ‘even Children 27% IT & Internet 55+ in Germany than at home (70% if you don’t do it that well’24 Abroad compared to the global average – however, these language INDIA 11% of 56%). difficulties may help to explain 50%5% Marketing, Media, Creative why almost a third of expats 35-54 In terms of schooling, two- find it hard to make local friends 23% 11% thirds send their children to (31%). 18-34 Construction, Engineering public or state-funded schools,

Expat Explorer Report 2014 49 Country report Who are the expats in Respondents: 233 Hong Kong Hong Kong

Hong Kong is a popular parents there report that In summary to its popularity as an expat Gender Country of origin destination among financial raising their children has Higher destination, there is a thriving services professionals, become more expensive, earnings draw social scene for the newly who account for 45% of compared with a global professionals to arrived to tap into, with 65% the expats surveyed there. average of 66%, and housing an expat life in of those surveyed telling us Higher salaries and the is more expensive for 69% Hong Kong. they go out more with expat, chance of career progression than it was in their home rather than local friends United make for an attractive expat country - but increased (compared to a global average 53% Kingdom 32% proposition. levels of disposable income 10th of 44%). Other (reported by 63% in Hong Expat 40% Hong Kong’s stronger Kong, compared to a global Explorer overall performance on the Expat average of 53%) and cheaper Economics league table utilities (40% compared (where it ranks 6th out with a global average of China 6th 47% Australia 20% of 34 countries) is due to 26%) make for happy Expat 8% higher salaries and greater expats. In Hong Kong, 76% Economics disposable incomes, although of respondents said they accommodation and the costs were satisfied with the local “Go with an open mind and be prepared to be associated with raising a economy, well above the 17th family remain high. For 52% global average of 62%. Expat flexible in work and social life.” of expats surveyed, better job Experience Expat in Hong Kong prospects brought them to Hong Kong has lots to offer Hong Kong (compared with from a lifestyle point of 38% globally who become view too. It is a great base 22nd Age Occupation expats for this reason). Nearly for onward travel – 70% of Raising seven in ten (69%) expats expats say they travel more Children report that they have a higher since arriving here (compared Abroad 45% income since making the with a global average of Banking, Insurance, move and 55% associate 58%) and over a third (38%) 38% Financial Services 18-34 the destination with higher report that enjoying luxurious salaries generally. holidays is a major perk of INDIA 12% moving. Travel within the 52%5% Education However, some costs remain territory is good too – 82% 35-54 high, especially when it told us it was easy to get 10% 8% comes to raising a family. around, and 60% now have 55+ Marketing, Media, Eight in ten (82%) expat a better commute. And, due Creative

Expat Explorer Report 2014 50 Country report Who are the expats in Respondents: 109 India India

Over a quarter of expats (26%) for international schooling In summary Gender Country of origin in India were seconded by their (compared to only 40% of Lower living “India is fun, companies, in line with the expats globally). costs and exciting and other EAGLES (Emerging And good perks Growth Leading Economies), Many expats in India also report for families varied - and but upon their arrival many greater savings on everyday make India an United Kingdom expats also reported that they expenses when compared to increasingly that can 23% were able to benefit from their home countries. Expats attractive expat 59% cheaper living costs as well are spending less on utilities destination. sometimes Other as finding the country a great (43%), groceries (42%), 49% destination for bringing up a clothing (42%), healthcare mean United family. This year, India ranks (41%), housing (40%) and states 9th 14% in the top ten in the Raising househod goods (40%) Expat challenging Children Abroad league tables compared with global averages Explorer overall Canada 41% 7% at 6th place. of 26%, 22%, 26%, 27% and too.” Japan 7% 23% respectively. While four in One of the main benefits ten (40%) expats told us that 12th Expat in India of raising a family in India is local work culture was difficult Expat that many find it more cost to get used to, 43% say they Economics effective, with 44% of expats have a better work/life balance Age Occupation reporting that the cost of raising since moving, while nearly children there is lower than in two-fifths (39%) of expats 20th their home country, well above report that they now have a Expat 21% a global average of 17%. This is better social life (above a global Experience Telecommunications, helped by the cheaper childcare, average of 28%) and 60% say 43% IT & Internet (which costs less for 46% of it’s easy to make local friends 18-34 expats compared to an average (compared to a global average 6th INDIA 19% of 20% globally), and cheaper of 50%). Raising 50%5% Construction, 35-54 education (less expensive Children Engineering for 37% of expats in India, Abroad 7% compared to 17% of expats 55+ 11% globally). Children’s education Other is also easier to organise, according to over half (54%) of expats and three quarters (75%) of expats in India opt

Expat Explorer Report 2014 51 Country report Who are the expats in Respondents: 113 Malaysia Malaysia

Expats looking for a challenge interesting place for them and In summary Gender Country of origin are among the most likely their families (compared to a Expats seek “Malaysia is to head to Malaysia in global average of 47%). out challenge an amazing Southeast Asia – 49% of and adventure expat respondents told us this Many also find that Malaysia by heading to country. reason motivated their move, is cost-effective as well as Malaysia. United compared with a global average being an exciting destination. Kingdom Grab the 27% of 31%. The need to ‘look for a Respondents report that 66% new challenge’ was the most accommodation is easy 19th opportunity Other popular reason for expats to to find, higher quality and Expat 53% move to Malaysia, followed by relatively inexpensive. Finding Explorer overall to live here.” better job prospects (a driver for accommodation is described Expat in Malaysia India 46%). as easy by 63% (compared to 14% a global average of 54%), over 16th 34% United It appears that a larger culture half (54%) say it is of a higher Expat States change is in order for many standard than they enjoyed in Economics 6% expats when they make their home country (compared Malaysia their home, with over to a global average of 40%) and a quarter (27%) of Malaysia- 34% are now spending less on 18th based expats surveyed this housing than before (compared Expat Age Occupation year originally from the United to a global average of 23%). Experience Kingdom. Nearly half of expats Utilities are another area in in Malaysia (47%) say they which expats are saving – 37% 22% find the local language difficult now spend less on these bills 24th Banking, Insurance, (compared to a global average compared to a global average Raising 42% Financial Services of 33%). But expats who of 26%. Children 18-34 make Malaysia their home Abroad INDIA 17% seem to embrace the sense 50%5% Telecommunications, 35-54 of adventure, with over half IT & Internet (56%) trying to learn and use 7% the local language, despite its 55+ 14% difficulty, 70% travelling more Education since embarking on an expat life (compared to a global average of 58%), and 57% describing Malaysia as a culturally

Expat Explorer Report 2014 52 Country report Who are the expats in Respondents: 135 Mexico Mexico

Mexico is a welcoming country Mexican Spanish regularly. A In summary Gender Country of origin with a lifestyle expats easily significant proportion (89%) Mexico offers “Living in adapt to, despite featuring in of expats there say they enjoy expats a lively Mexico the lower halves of the Expat experiencing Mexican culture, land of ancient United Experience, Expat Economics with a number of expats citing cultures. States you can’t 11% and Raising Children Abroad the Day of the Dead celebration Argentina league tables. Six in ten (61%) as a particular highlight. Close help but 7% expats in Mexico note how to six in ten (59%) expats 21st 57% Spain simple it is to make local also note that they enjoy local Expat notice the 7% friends, with 64% saying they entertainment, including “los Explorer overall strongly associate friendliness Mariachis”. Others comment on friendliness with the country (noticeably the strength of family values, higher than the global average patriotism and the country’s 18th of people, of 48%). Many gave examples Mayan and Aztec heritage as Expat 43% Other of this, commenting on how it being the most interesting Economics open and 75% is common to be invited over aspects of local culture. for dinner, even if the people always don’t know you well, and how In the Expat Explorer 2014 24th easy people are to get on with. survey, the highest proportion Expat willing Most of those relocating to of expats who were sent Experience Age Occupation Mexico quickly adjust to the abroad by their employers live in to help. climate (69%), prefer the local Emerging And Growth Leading I have never entertainment to that of their Economies or ‘EAGLES’ – with 26th 27% home country (59%) and enjoy Mexico among them. A quarter Raising heard no.” Banking, Insurance, eating the local food (80%). (24%) of expats in Mexico Children 33% Financial Services 18-34 This helps to account for why say that being sent by their Abroad Expat in Mexico Mexico has the third highest company was one of the main INDIA 14% score for integration of the motivators for their move, 53%5% Education countries looked at in the Expat compared to the global average 35-54 Explorer 2014 survey. of 13%, suggesting that 14% 12% businesses are responding to 55+ Telecommunications, Expats living in Mexico tend emerging growth by developing IT & Internet to throw themselves into their their offering in these markets host country’s culture (89%), and relocating their employees with three-quarters (73%) trying abroad. to learn and use

Expat Explorer Report 2014 53 Country report Who are the expats in Respondents: 209 New Zealand New Zealand

If you’re looking to pick up a and talking about sport, with In summary rounded as a result of moving Gender Country of origin new sport and enjoy the fresh a number of expats surveyed New Zealand there (compared with the global air, then head to New Zealand. noting the “passion” for Rugby – top for expat average of 40%). The relatively small island of in New Zealand. quality of life only four and a half million and raising a The Maori culture is a particular Netherlands Other 2% 14% inhabitants tops both our Raising Furthermore, over two-fifths family abroad. highlight for the expats in Canada Children Abroad and Expat (45%) of expats in New Zealand our survey, noting traditional 2% Experience league tables and is say they have started eating practices such as “Hongi”, 53% Australia unsurprisingly the most popular more healthily since making 6th where the locals greet one 7% country for expats who want to the move (compared with a Expat another by touching noses and improve their quality of life25. global average of 34%) whilst Explorer overall the integration of Maori culture three-quarters (75%) also say into the school curriculum. The single biggest destination they enjoy the local cuisine Perhaps because of these United for health professionals (14% (compared with a global cultural quirks, over three in four Kingdom 22nd 47% 75% of the expats surveyed in New average of 72%). For expat Expat (78%) expats say they find it Zealand are in health compared parents in New Zealand, the Economics easy to fit into the New Zealand to a global average of only 6%) combination of good food, more culture and lifestyle. also happens be one of the sport and a cleaner environment “Watching my daughter learn Maori healthiest in the world with all help to improve the health 1st The speed with which expats expats in the country the most of their children– nearly eight in Expat embrace New Zealand’s rich has been amazing!” likely to experience a leap in ten (78%) expat parents in New Experience culture could also be down Expat in New Zealand the quality of the environment Zealand say the health of their to the welcoming people. since moving (84% compared children improved since moving Three-quarters of expats (75%) with a global average of 40%). there, compared with a global 1st say the people are particularly Age Occupation New Zealand-based expats are average of 56%. welcoming (compared with a also the second most likely to Raising global average of only 48%) increase the amount of sport On the topic of children, the Children whilst over six in ten (61%) 15% they play (40% compared with expat parents we surveyed Abroad say it was easy to make local Telecommunications, a global average of 29%) and also raved about the country’s friends (compared with a global 43% IT & Internet 35-54 the most likely to associate child friendly qualities. The vast average of 54%). Expats in New their new home with cleaner air, majority (87%) say their children Zealand tend to make friends INDIA 14% water and other environmental enjoyed a higher quality of outside of expat circles and 54%5% Health health factors (73% compared life (compared with the global are less than half as likely as 55+ to a global average of 33%). average of only 56%) and nearly average to make friends with 4% 11% Indeed, be prepared to spend six in ten (58%) say that that other expats (21% compared to 18-34 Education more time watching, playing their children are more well- a global average of 44%).

Expat Explorer Report 2014 54 Country report Who are the expats in Respondents: 113 Oman Oman

In keeping with much of the Oman are not just concerned In summary we spoke to (compared with Gender Country of origin Middle East, expats are most about prudential money Fast cars and a global average of 33%). likely to move to Oman to management, however, and higher incomes Nevertheless, perseverance is improve their job prospects are more than twice as likely attract expats to well worth it for expats looking (59% compared with a global as the average expat to splash Oman. to move to Oman, with 84% average of 38%) and earning out on an expensive car (63% of expats saying they enjoy the potential (41% compared with compared to a global average local culture, in line with the Other a global average of 20%), of 31%). 14th global average of 83%. 79% 32% with the majority of expats Expat India associating the country with Oman’s working life also Explorer overall 38% higher salaries (66% compared stands out with 55% of expats to a global average of 40%). saying their work/life balance has improved since moving 4th Pakistan With nearly nine in ten (86%) (compared with a global Expat 10% 21% United expats in Oman satisfied with average of 40%) and 65% Economics Kingdom the state of the economy noting an easier commute to 20% (compared with a global work (compared to a global average of 62%), Oman average of 45%). Yet although 19th “Seize the opportunity with both hands and enjoy achieves a top five ranking in expats in Oman can expect to Expat our Expat Economics league settle in more easily at work, Experience life here as there is so much to see and do.” table at 4th place. Overall, expats take time to acclimatise Expat in Oman 69% of expats in Oman say to their new surroundings. they have more disposable Whilst 60% say it is easy 27th income than they would have at to adapt to the work culture Raising Age Occupation home (compared with a global (compared to a global average Children average of 53%). of 53%), only 49% found it Abroad easy to adapt to the Omani 25% When looking at the investment weather (compared with a Construction patterns of expats in Oman, the global average of 61%). 35% 18-34 Expat Explorer survey reveals 14% that expats there are the most Similarly, whilst 73% said INDIA Banking, Insurance, likely globally to increase they feel welcome at work 55%5% Financial Services their investment into property (compared to a global average 35-54 after making the move (47% of 66%), learning the local 11% 10% compared to a global average language proved difficult for 55+ Education of only 24%). Expats based in 56% of the Oman-based expats

Expat Explorer Report 2014 55 Country report Who are the expats in Respondents: 139 Saudi Arabia Saudi Arabia

Saudi Arabia draws expats Raising children in Saudi Arabia In summary Gender Country of origin looking to pursue economic is not cheap though, with Enticing “Start opportunities abroad, although three-quarters (76%) of expat economic making it ranks lower in the Expat parents saying they find it opportunities Economics, Expat Experience more expensive to bring their for career-driven friends and and Raising Children Abroad children up in their host country expats. India league than its Middle-Eastern compared to their home 30% get socially Other neighbours such as the United country. 87% 36% Arab Emirates and Oman. 28th involved.” Expats are also nearly twice as Expat Just over seven in ten expats likely to send their children to Explorer overall Expat in Saudi Arabia (71%) there say they earn international schools than the more in Saudi Arabia than they global average (77% in Saudi would in their home country, Arabia compared to 40%) and 15th Philippines Pakistan 13% 11% 23% which is considerably higher 81% say the cost of education Expat than the global average of 53%. is higher than at home. Despite Economics The country is associated with the expense, the majority higher salaries (67%) and the of expats think Saudi Arabia majority of expats (82%) report is a safer place to bring up 32nd they are satisfied with the their children than their home Expat Age Occupation current state of the economy. country (65%). Experience

Better job prospects (63%) are The lower Expat Experience 25% the main motivation for expats and Raising Children Abroad 30th Construction, in choosing to move to Saudi league table rankings reveal Raising 42% Engineering 18-34 Arabia, followed by financial some Saudi-based expats find Children drivers. Well over a third (37%) the lifestyle challenging. Most Abroad INDIA 9% of expats there say they moved expats do not see Saudi Arabia 47%5% Education to boost their earning potential. as a long term opportunity, with 35-54 The country’s booming 67% considering or actively 11% 8% construction sector26 is also looking to move elsewhere. 55+ Retail/Health seen to be drawing expats in, This suggests that although with a quarter working in the the economic opportunities are construction and engineering a draw, expats move there for industries (25%). short term financial gain rather than to settle down.

Expat Explorer Report 2014 56 Country report Who are the expats in Respondents: 344 Singapore Singapore

For expats looking for an and good access to healthcare In summary compared with the global Gender Country of origin improved quality of life and (48% compared with 38% A higher quality average of 53%). Nearly six greater economic opportunities, globally). of life with a in ten expats there associate Singapore is the place to go. vibrant food Singapore with higher salaries The country comes 3rd in both Getting set up in Singapore is scene draws and lower taxes (both 56%). the Expat Economics and Expat a relatively simple process for expats to However, life in Singapore is Malaysia 23% Experience league tables this new expats. Just over two- Singapore, but expensive. More than three- year, topping the latter for Asia thirds (67%) say it was easy to this doesn’t quarters of expats pay more for 56% countries. organise their finances when come cheap. their accommodation than they Other relocating and three-quarters did at home (77%), significantly 39% Most expats enjoy the diverse say they had little difficulty in higher than the global average range of food available (74%), setting up their utilities (76% 2nd of 52%. Most also spend more India commenting on its multicultural compared with a global average Expat on going out (67%), groceries 21% influences and the central role of 56%). In terms of lifestyle, Explorer overall (63%), healthcare (58%) and 44% United it plays in the Singaporean most found it easy to fit in with utilities (53%) than before they Kingdom lifestyle. Singaporean culture (71%), with moved to the country. 17% over seven in ten (73%) saying 3rd Many pulled out the hawker they found the weather easy to Expat This theme carries on when “Every group lives peacefully united and in harmony centres with their “low cost, get used to and an impressive Economics expats discuss raising children high quality, authentic food” as 88% saying they quickly got in Singapore, with 87% saying with each other regardless of race, religion or colour. being a particularly interesting used to travelling around the it is more expensive to do It is simply a beautiful place to experience.” part of the cultural experience, local area. 3rd so than at home. Well over Expat in Singapore with almost two-thirds (65%) Expat three-quarters of those paying saying they enjoy shopping The majority of expats moved Experience for their children’s education Age Occupation for local produce at the local to Singapore for better job find it more expensive than markets. prospects (60%), and given educating them at home (83%). that 78% of expats are in full- 5th However, for this money, 70% 24% The country performs solidly time employment (compared Raising say their children get a better Banking, Insurance, Financial in all areas accounting for with the global average of Children quality of education than they 36% Services 18-34 quality of life, consistently in 58%), they’ve made a safe Abroad would have had otherwise. A line with global averages for choice. Generally, people are considerable majority feel that INDIA 13% expats having high quality satisfied with the state of the living in Singapore means their 55%5% Telecommunications, 35-54 accommodation (44% Singaporean economy (88%) children have a better quality of IT & Internet compared with 40% globally), and most have greater levels life (71%) and even more, that 10% an active social life (31% of disposable income since it is a safe place to raise a child 55+ 12% compared with 28% globally) moving to the country (64% (86%). Construction, Engineering

Expat Explorer Report 2014 57 Country report Who are the expats in Respondents: 174 Switzerland Switzerland

Performing strongly in all three table is not solely a result of In summary chocolate’28 means that it is no Gender Country of origin league tables, Switzerland has economic factors. Expats living Money in the surprise that Switzerland performs emerged as the top destination in Switzerland have an active and mountains: so well in the Expat Experience in the 2014 Expat Explorer survey healthy lifestyle, with many taking high earnings league table. for a balanced expat life. advantage of the pleasant climate plus the great and scenery (77% associate this outdoors makes Switzerland is also among the Much of this success is driven by with Switzerland compared with Switzerland the top 10 countries to raise a child United high levels of economic satisfaction the global average of 48%). Over top destination abroad. Parents feel that it is a 55% Kingdom 33% (87% of expats say they are happy two-thirds say they travel more for expats. very safe place to bring up their Other with the state of the economy), since moving there (68%), taking children (81% say it is safer than 46% which helps to explain why the advantage of the country’s central their home country, compared to country comes second in the Expat location in Europe. 1st the global average of 61%) and that Economics league table. A quarter Expat their health and wellbeing is better United of expats earn over $200,000 p.a., With a number of expats Explorer overall (74% compared with the global States 45% 11% more than twice as many as the commenting on the ‘the joys average of 56%). Children growing Germany 10% global average (25% compared with of both the summer and winter up in Switzerland also receive a the global average of 11%) and 85% seasons in the mountains’27, it’s 2nd high quality education (65% of associate Switzerland with higher lucky that nine in ten expats think Expat parents say this is better than at “It may look like a quiet country but there’s salaries than their home country. travelling around Switzerland Economics home), with parents particularly This is a necessity in a country is easy (91% compared with a highlighting the benefit of their a lot happening.” where life is expensive: the cost global average of 72%). The fresh children learning a new language Expat in Switzerland of living tends to be much higher mountain air helps explain the 5th (77% compared with the global for expats in Switzerland than in fact that three-quarters of expats Expat average of 45%). However, like their home countries, with many say the environment is better in Experience most things in the country, raising a Age Occupation reporting they spend considerably Switzerland than in their home child in Switzerland does not come more on groceries (84%), country, considerably higher than cheap - 83% of parents say that healthcare (78%), accommodation the global average (75% compared 10th it is more expensive to bring their 26% (77%), household goods (69%) to 40%) and this in turn seems to Raising children up there than at home. Banking, Insurance, and going out (66%) than they inspire expats to bring out their Children 28% Financial Services 18-34 did previously. Despite this, over sporty side: expats in Switzerland Abroad With its high salaries, beautiful two-thirds find they have more are the most likely to report doing scenery, outdoorsy lifestyle INDIA 11% disposable income than they did more sports since moving to the and great benefits for raising a 64%5% Telecommunications, IT 35-54 before moving to the country (68%). country (43% compared with a family, it is no surprise to see & Internet 29% global average). The stunning Switzerland claim its place as the 8% However, the country’s position environment combined with top destination in this year’s Expat 55+ 10% at the top of the global league the ‘amazing skiing, fondue and Explorer survey. Marketing, Media, Creative

Expat Explorer Report 2014 58 Country report Who are the expats in Respondents: 153 Taiwan Taiwan

Taiwan performs well in both for expats to live based on In summary relatively easy compared to a Gender Country of origin the Expat Experience and everyday outgoings. Lower A thriving global average of 55%. It also Economics league tables, accommodation, utilities, healthcare stands out for affordability, with particularly standing out for healthcare and transport costs system, over two-thirds of expats saying how well expats integrate into all contribute towards the affordable they spend less on healthcare local life (receiving the highest affordability of living in the lifestyle and in Taiwan than they used to integration score of all the country. lively local at home (67%) – significantly countries in this year’s league culture make higher than the global average 61% tables). Three-quarters of expats Taiwan a of 27%. A similar proportional Other United feel welcome at work (76%) fantastic option also say the accessibility 41% States 35% An overwhelming 93% say they although some comment on for expats. and quality of healthcare in enjoy experiencing Taiwanese how different the work culture the country is far better than culture, from the celebrations in Taiwan is compared to what at home (64%), completing around the Ghost Festival they’re used to. Friendliness 8th the picture of a flourishing United 39% Canada Kingdom and Lunar New Year to the clearly spreads beyond work Expat healthcare system in Taiwan. 8% 16% tea ceremony, temples and life – 91% of expats strongly Explorer overall superstitions. Most expats are associate Taiwan with friendly big fans of the local food (85%) locals, whom they describe “Taiwan is a wonderful island, full and enjoy shopping for produce as kind, helpful and polite. 9th in the local markets (75%) This being said, the expat Expat of interesting places to go to.” – many called out Taiwan’s community in the country is Economics Expat in Taiwan famous night markets with also strong, with almost two hawkers selling stinky tofu, thirds saying they tend to go bubble tea and hundreds more out with expat friends rather 7th Age Occupation local specialities. than locals (62%). Expat Experience Nearly two-thirds of expats in This year’s survey creates 25% Taiwan say they have more a glowing picture of the Education disposable income than in Taiwanese healthcare system. 41% 18th 18-34 their home country (65%) and Setting up healthcare when Raising 13% almost a fifth of expats earn moving to a new country can be Children INDIA Marketing, Media, over $200,000 p.a. Taiwan challenging, even for seasoned Abroad 43%5% Creative comes 3rd when looking at expats; however, 69% of 35-54 the overall Expat Expenses expats in Taiwan think sorting 16% 7% league table, which covers the out their health insurance and 55+ Banking, Insurance, most cost-effective countries other medical provisions was Financial Services

Expat Explorer Report 2014 59 Country report Who are the expats in Respondents: 140 Thailand Thailand

Thailand emerges from the as the country is not short In summary advantage of the beautiful Gender Country of origin 2014 Expat Explorer survey as of exciting opportunities to Cheap and destinations across the country the best destination for expats spend it. Thai cuisine is clearly cheerful: money and Bangkok’s position as a looking for an improved lifestyle popular with expats, with 85% goes further in gateway to the rest of Asia. at a low cost. Over two-thirds saying they enjoy eating the Thailand so be 79% say it is simple to travel of expats say they associate local food, while the shopping sure to explore. around locally, be it to historical Thailand with a higher quality is also highly regarded. One sites and temples, the national of life (69%) and 72% say they expat who completed the parks in the mountains or the 67% have greater levels of disposable survey reported the shopping 7th stunning beach resorts. Other United income than they did before as ‘amazing, ranging from local Expat 39% Kingdom 38% moving to the country (much markets for cheaper goods to Explorer overall higher than the global average world class shopping centres of 53%). that have everything’ – although clothes shopping can be 13th 33% Canada United This greater level of disposable challenging, with expats from Expat 9% States 14% income can be attributed to western countries noting it Economics the high proportion of expats can sometimes be difficult to who say they spend less on find clothing in the right size29. “Visit local markets, shops, restaurants, pubs. Visit utilities (71% compared to a Thai culture holds no less 6th everywhere in the country, North, South, the coast, global average of 26%); on appeal – 90% say they enjoy Expat accommodation (70% compared experiencing local culture, Experience the mountains. Everywhere.” to a global average of 23%); on from Buddhist temples to Expat in Thailand public transport (69% compared ancient historical sights and the to a global average of 35%) and Songkran festival to celebrate 14th Age Occupation on groceries (66% compared the New Year. Raising to 22% globally). However, this Children does not mean a drop in quality Language can be a bit of a Abroad 25% – looking at accommodation, for struggle, with 77% of expats Education example, over three-quarters of saying that they found it 30% 55+ expats say the quality of their difficult to learn Thai when they 12% accommodation improved or first moved to the country. INDIA Marketing, Media, Creative stayed the same since moving However, this doesn’t seem 44%5% 35-54 (78%). to stop people getting around: 12% over two-thirds of expats say 26% Hospitality, Travel, Leisure, It’s lucky that expats in Thailand they travel more since moving 18-34 Tourism, Customer Service have lots of disposable income to Thailand (68%), taking

Expat Explorer Report 2014 60 Country report Who are the expats in Respondents: 307 Turkey Turkey

Turkey is well-favoured as a which may explain why it In summary in ten enjoying more disposable Gender Country of origin key holiday destination30, but emerges from the survey Expats in Turkey income than previously (59% also appeals to expats who are as one of the trickier places delight in food compared to a global average unafraid of a challenge, with for expats to find their feet. and weather. of 53%). Our survey also found many in this year’s survey citing Language is one area which that there are a number of this as their main motivation brings this to life; second only other everyday items upon for moving abroad (38% to Vietnam, Turkey emerges 26th which expats are spending less, compared to a global average from the survey as the location Expat enabling them to have a higher 56% of 31%). Other top reasons where expats describe learning Explorer overall quality of life at a lower cost Other United prompting expats to make the the language as being difficult than they spent previously. 44% Kingdom 35% jump include nearly a third (78% compared to a global being sent by their company average of 33%). 21st Expats in Turkey are also or organisation (29%), and a Expat planning for the future when further 26% who were keen However in the spirit of Economics thinking ahead to retirement. United 44% States to improve their current quality embracing a challenge, it is The main way they are doing India 7% 14% of life. also the country where expats so is contributing to savings are most likely to have a go at 22nd (30%) and investing more of Unsurprisingly, the sunny picking up the local lingo. Eight Expat their savings into property “Knowing the culture will be really helpful and it will be weather and pleasant landscape in ten (82%) say that they aim Experience (29%). Over half of expats hold are big draws for a higher to try and speak Turkish, which the majority of their retirement a very smooth process... Turkey is an excellent place to proportion of expats in Turkey is well above the global average provision at home, rather than live and work – and the food is amazing!” – over three-quarters associate of 58%. 31st in Turkey (56% compared to Expat in Turkey the country with these aspects, Raising a global average of 34%), and a further third (32%) agree As well as being the most likely Children suggesting that expats there Age Occupation that the local environment is group of expats to explore the Abroad intend to return home – just better than it is at home. With local shops and enjoy regional over half (51%) say they are a higher number of sunshine produce, there are other either considering or actively 22% days per calendar year, it’s benefits of being in Turkey looking to either move back Education unsurprising that just over eight which contribute to a better home or to another country 27% 18-34 in ten (82%) say they found it quality of life for expats. For (compared to a global average 19% easy to get used to the local instance, a higher percentage of 39%). INDIA Banking, Insurance, weather, scoring well above the than the global average are 52%5% Financial Services global average of 61%. able to employ household or 35-54 Nearly two-fifths of expats domestic staff and/or a nanny 21% 11% (38%) in Turkey go there (38% compared to a global 55+ Marketing, Media, because they like a challenge, average 20%), with nearly six Creative

Expat Explorer Report 2014 61 Country report Who are the expats in Respondents: 963 United Arab Emirates United Arab Emirates

The United Arab Emirates emerges expats there say that they have In summary to learn (compared with a global Gender Country of origin from this year’s survey as a great more disposable income than The place to average of 33%), despite a similar option for career-minded expats they did at home, this is only be for career- proportion (49%) making the effort looking for a high quality of life, just above the global average of minded expats. to try and use it. Nearly six in ten securing a solid score from expats 53%, underlining the fact that it think the country is getting better across all criteria, but particularly is far from cheap, particularly in for expats (58% compared to Other for Expat Economics where it comparison to more cost-effective 15th 32%) and 82% are satisfied with 28% ranks 10th out of 34 countries. options like Vietnam (75%) and Expat the present economy (compared 57% The main attraction for expats Thailand (72%). Explorer overall to 62% average). The Purchasing there appears to be the career Manager’s Index, a benchmark India 46% opportunities, with 60% of Work and income emerge as major indicator of a country’s economic expats believing that the move drivers for expats living in the health, continues to show good 10th Pakinstan will improve their job prospects, United Arab Emirates, but it also Expat growth31 for the United Arab 11% well above the global average of appears that it may not be all about Economics Emirates – which may prove a 43% United 38%. Furthermore, over a third the money. Expats also comment further draw for expats from Kingdom (37%) say their main motivation on the pleasant working conditions around the world in the future. 15% for moving was to pursue a higher and enjoyable travel to and from 21st Expats there also associate the quality of life, and over half (54%) their jobs. Well over half say that Expat country with higher personal agree that this is something they their work commute is better than Experience security (66% compared to 42% “Experience the local culture with a local continue to associate with life it was at home (59% compared average). resident... it makes things far more interesting!” there after they arrive. with a global average of 45%) and Expat in United Arab Emirates a greater proportion says that they 16th However the Expat Explorer Some of the benefits reported by feel welcome at work, matching Raising survey also reveals that the expats in the United Arab Emirates the global average of 66%. Children United Arab Emirates emerges Age Occupation include higher salaries (58% Abroad as one of the costlier expat compared to a global average of When it comes to socialising, destinations, with more than half 40%), a better car (55%), higher expats are more likely to stay saying that they would choose to 17% quality accommodation (39%), and within these circles rather than leave because it is too expensive Banking, Insurance, domestic help (23%), all of which make local friends. Over six in (60%) or for retirement (23%). 41% Financial Services 18-34 exceed the global averages of ten (64%) expats agree that With that in mind, it’s unsurprising 31%, 29%, and 20% respectively. they tend to go out with expat that changes in rental price is INDIA 15% However, expats report that a lot friends more than local friends perceived by expats to pose the 50%5% Construction, 35-54 of things such as utilities (58%) (compared with a global average biggest risk (58%) to financial Engineering and household goods (53%) cost of 44%). This could be partly due wellbeing and confidence over 9% more than they did at home. to difficulties with the language the next 12 months (compared to 55+ 10% Although nearly six in ten (58%) – 54% say that they found it hard 19% globally). Retail, Research

Expat Explorer Report 2014 62 Country report Who are the expats in Respondents: 1,267 United Kingdom United Kingdom

The United Kingdom emerges London is also ‘capital’ for In summary that this is now no longer the Gender Country of origin from this year’s Expat Explorer local entertainment with over Life in the case (30% compared to a survey as a solid place for two-thirds (67%) saying they United Kingdom global average of 21%), beaten expats to enjoy a balanced enjoy the music and movies on offers expats only by South Africa (39%), Ireland life, with a varied culture and offer nearby, compared with careers, Canada (38%) and the USA 12% friendly community, despite the global average of 47%. It’s property and (31%). Over one in three say the tough competition of more a similar story for the rest of the potential to that healthcare is better there 54% United exotic locations like Thailand, the country: six in ten (63%) find a partner. than in their home country States New Zealand and Australia. expats agree that they enjoy (matching the global average 11% local entertainment and 86% of 38%) and almost twice Expats are most likely to head say that they are happy to 33rd this proportion comment on Australia to the United Kingdom in experience the local culture. Expat the ease of setting it up (67% 7% pursuit of better job prospects Explorer overall compared to the global average Other (31%) or to be with family and When it comes to the other of 55%), outdoing provisions for 60% partners (31%), but this year’s advantages of living in arranging healthcare elsewhere, 46% survey reveals that expats London, expats also value the 29th particularly in the United States there are also among the most city’s culture and deem it an Expat (41%), Japan (39%) and Turkey likely to fall in love in their new interesting place for themselves Economics (36%). country. Half of expats (50%) and their families to live: nearly “Despite the unpredictable weather it can be a there say that they have found six in ten (59%) expats agree wonderful country to live in.” a life partner since moving – with this compared to the 31st Expat in United Kingdom second only to Italy (57%) and global average of 47%. Other Expat higher than the global average things that expats associate Experience of 36%. Nearly three-quarters with life in the United Kingdom Age Occupation (73%) found it easy to integrate capital include its political into the local community. stability (43%), higher salaries 32nd (40%) and friendly local people Raising 20% Although the survey covers (34%). Children Banking, Insurance, the United Kingdom in its Abroad 39% Financial Services 55+ entirety, some of the most Many expats in the wider interesting facts emerge United Kingdom also report the INDIA 12% from the country’s capital, benefits of being able to get on 41%5% Education where eight in ten expats say the property ladder and enjoying 35-54 they feel a strong connection good quality healthcare. One 20% 9% with the city (81% compared in three expats who did not 18-34 Marketing, Media, the global average of 62%). own a property at home say Creative

Expat Explorer Report 2014 63 Country report Who are the expats in Respondents: 553 United States United States

The United States continues with the global average of In summary children, with 78% of expats Gender Country of origin to prove its worth as a hotspot 54%). This will also be music Family-focused opting for this type of schooling among the older generations, to the ears of the many first- expats move (compared with the global with retirees making up over time expats heading stateside to the United average of 37%). The free a quarter (26%) of expat (63% compared with the global States and stay education on offer means that respondents to this year’s Expat average of 53%), who have put, making a great deal of parents do not United Explorer survey (compared with less expat know- how, but are use of the spend anything on school fees Kingdom 62% 25% the global average of 11%). also likely to be setting up to great schooling (34% compared with the global The established economy stay, with seven in ten (71%) system. average of 19%) and they are might be one reason for this expats there expressing an not having to compromise on trend, with a large proportion of intention to remain where they quality either, as half (51%) of Canada 9% expats indicating their trust by are (compared with the global expat parents rank the United 30th Other choosing to keep the majority average of 61%). Expat States in their top three best 58% India of their retirement provisions Explorer overall countries for schooling32. 8% in the country (65% compared This longevity may be 38% with the global average of accounted for by the type of 41%). expats heading there and the 24th reasons why they move. With Expat “See as much as you can while you’re here and just While moving abroad later 44% of expats in the United Economics on in life may be appealing, it States moving to be with a keep doing it. You never know how long you’ll stay”. can also be very stressful, but partner or family, which is more Expat in United States expats retiring to the United than the global average of 31%, 25th States will be pleased to hear these expats are less easily Expat that it rates highly among uprooted, having to think about Experience Age Occupation expats for ease of setting up, how the move will affect - not ranking in the top 10 countries just themselves – but other in this regard. Indeed, nearly family members. 29th 13% three-quarters of expats (73%) Raising Education say that they found it easier For these more family-driven Children 33% 35-54 to integrate in to the local expats, the well-respected Abroad 10% community (compared with education system on offer INDIA Health the global average of 65%) may also add to the country’s 47%5% 55+ while close to two- thirds (65%) appeal. A significantly larger 9% comment on the ease with number of expat parents 20% Marketing, Media, which they were able to find living in the United States are 18-34 Creative accommodation (compared choosing to state educate their

Expat Explorer Report 2014 64 Country report Who are the expats in Respondents: 122 Vietnam Vietnam

Expat life in Vietnam is all about with a global average of 58%). In summary without friendly company to Gender Country of origin travelling, challenging yourself With some of the cheapest It’s easy to enjoy it with? Almost three- and having a good time, public transport in our survey make friends in quarters (73%) of Vietnam- according to this year’s survey, (61% noted cheaper forms of Vietnam. based expats found it easy to as lower prices help expats public transport than at home make friends (compared with a United to make the most of their compared with a global average global average of 54%) and the Kingdom earnings. of 35%), there’s no reason not same proportion said the local Other 25% 16th 30% to explore the whole country. Expat people were overwhelmingly 69% Whilst expats in Vietnam are no A common tip from expats Explorer overall friendly (compared to an more likely to see an increase who took part in our survey average of just 48%). It’s in their wages than those in is to soak up the Lunar New unsurprising therefore, that any other country, with 52% of Year festival or “Tet”, and with a 8th Vietnam is the third best place Australia United expats in Vietnam saying they larger majority (89%) of expats Expat to go for expats looking to 8% States earn more than they would saying they enjoy the local Economics improve their quality of life, 31% Canada 21% have at home compared with culture generally (compared with 62% saying they strongly 8% India 8% a global average of 53%, their to a global average of 83%), associate the country with a disposable income shoots Vietnam has a lot to offer the 15th high quality of life compared to up with lower prices for adventurous expat. Expat only 46% globally. everything from transport to Experience “Eat the local food and enjoy domestic travel. entertainment. Overall, three- The local cuisine is another It’s cheap and easy to get around the country.” quarters of expats in Vietnam stand out part of life in Vietnam, Expat in Vietnam (75%) say their disposable with 87% saying they enjoy 25th income increased once they the country’s fare compared Raising moved compared with a global to 72% globally. With some Children Age Occupation average of just 53%. of the cheapest groceries in Abroad the world (54% of expats in That money is put to good use, Vietnam say they spent less on 27% however, with just over half their groceries since moving Education (52%) of Vietnam-based expats compared to a global average 40% 18-34 moving there to experience of just 22%), it’s no surprise 25% a new challenge (compared that 80% of expats say they INDIA Banking, Insurance, with a global average of 31%). got used to Vietnam’s local food 47%5% Financial Services In addition, nearly eight in ten quickly (compared to a global 35-54 (79%) of expats in the country average of 73%). 13% 12% agree that they travel more than 55+ Marketing, Media, they did at home (compared However, what’s fine food Creative

Expat Explorer Report 2014 65 About the survey

The Expat Explorer A minimum country sample Expat Explorer Expat Experience league table Expat Expenses of 100 expat respondents and overall league table The Expat Experience league league table survey was at least 30 expat parents is The Expat Explorer overall table ranks each country using The Expat Expenses league required for that country to be league table ranks each country a score that summarises the life table ranks each country using completed by included in the league tables. using a score that summarises experiences of expats in that a score that summarises This year, 34 countries qualified expats’ overall impression of country. Two-thirds (67%) of expats’ ability to afford a range 9,288 expats from for the league tables. the country. The Expat Explorer the Expat Experience score is of goods and services – 35% over 100 countries overall score is the average of derived from the quality of life of the Expat Expenses score Each league table scores the Expat Economics, Expat score, with the remaining third is derived from the disposable through an online countries on a scale of zero to Experience and Raising Children (33%) equally split between income score, with the one, with the highest score Abroad scores below, covering the ease of setting up and remaining 65% coming from questionnaire in April ranking first and the lowest 43 different criteria from the integration scores, covering a the cost of everyday goods and and May 2014. ranking last. All scores have survey. total of 29 different criteria from services score. This involves been rounded to two decimal the survey. a total of 12 criteria from the points. Expat Economics survey. league table The Expat Economics league Raising Children Abroad The Expat Expenses score is table ranks each country using a league table used to reveal insights into score that summarises expats’ The Raising Children Abroad the cost of living in the host views about the local economy. league table ranks each country country, but is not included The Expat Economics score is using a score that summarises in the Expat Explorer overall the average of the household expat parents’ views about league table or score. income, personal disposable raising their children in that income and satisfaction with country. The Raising Children Other the host economy scores, Abroad score is the average An expat is defined as an adult covering three key criteria from of the childcare, education, over the age of 18 years old the survey. health and children’s experience who is currently living away scores, covering a total of from their country of origin. All 11 different criteria from the findings in this report are from survey. the 2014 Expat Explorer survey unless referenced otherwise. All monetary values are expressed in US dollars ($).

Expat Explorer Report 2014 66 References

1 (page 12) 6 (page 23) 12 (page 28) 18 (page 45) 25 (page 54) 31 (page 62) Investopedia Swiss Winter Sports Insurance News Net www.expatarrivals.com/brazil/ New Zealand Emirates www.investopedia.com/ www.swisswintersports.co.uk/ www.insurancenewsnet. working-in-brazil government statistics: www.emirates247.com/ terms/e/eagles.asp, New wheretogo.php com/oarticle/2014/07/13/ www.stats.govt.nz/tools_and_ business/economy-finance/ York Times - www.nytimes. retiring-abroad-is-growing-in- 19 (page 45) services/population_clock.aspx uae-economy-remains-in-sweet- com/2010/11/16/business/ 7 (page 24) popularity-a-529469.html#. Expat Explorer spot-hsbc-2014-08-05-1.558554 global/16eagles.html?_r=0 The Dish U85_BUBP18E 2013 survey 26 (page 56) www.thedish.restaurant.com/ Construct Arabia 32 (page 64) 2 (page 12) take-a-bite-out-of-2014-hot-food- 13 (page34) 20 (page 45) www.constructarabia.com/the- Value of Education report, Herd S., Dougherty R, (2007), trends-for-the-new-year The Value of Education Go Brazil big5/saudi-construction-market- HSBC, 2014, p.7 ‘Growth Prospects in China Springboard to success, www.gobrazil.about.com/od/ analysis and India Compared’, European 8 (page 24) HSBC, April 2014, p.7 festivalsevents Journal of Comparative The Guardian 27 (page 58) Economics, June, 2007 www.theguardian.com/ 14 (page 35) 21 (page 47) Expat Explorer world/2012/sep/14/japan- Society at a Glance, Wikipedia respondent in Switzerland, 2014 3 (page 13) centenarian-population OECD, March 2014 en.wikipedia.org/wiki/ World Bank Emerging_and_growth-leading_ www.data.worldbank.org/ 9 (page 26) 15 (page 41) economies 28 (page 58) data-catalog/global-economic- Keep Calm and Carry On The International Expat Explorer prospects www.keepcalmandcarryon. Medical Travel Journal: 22 (page 47) respondent in Switzerland, 2014 com/history www.imtj.com “China’s Educational 4 (page 13) news/?entryid82=416496 Performance: 29 (page 60) Expat Explorer 2014 10 (page 26) Implications for Global Expat Explorer World Bank Retail Times 16 (page 41) Competitiveness, Social respondents in Thailand, 2014 www.retailtimes.co.uk/uk-sees- Internations.org Stability and Long-Term 5 (page 15) 15-rise-number-independent- www.internations.org/ Development,” Manufacturers 30 (page 61) Wall Street Journal coffee-shops-cloudzync-reports taiwan-expats/guide/living-in- Alliance, 2008 Fethiye times www.blogs.wsj.com/ taiwan-15765/healthcare-and- www.fethiyetimes.com/ middleeast/2014/07/06/rising- 11 (page 26) transportation-in-taiwan-2 23 (page 49) travel-2/12306-turkey-popular- dubai-real-estate-prices-pose- Evening Standard Expat Explorer destination.html risk-for-uae-imf-says www.standard.co.uk/lifestyle/ 17 (page 45) respondent in Germany, 2014 london-life/love-me-tinder-the- Wikipedia dating-app-spreading-through- en.wikipedia.org/wiki/ 24 (page 49) london-like-wildfire-8829112. Emerging_and_growth-leading_ Expat Explorer html economies respondent in Germany, 2014

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Expat Explorer Report 2014 68