<prompt> Human: Background - I am a 32 year old programmer that has accumulated 350,000 and I plan on retiring in Vietnam. My plan is to deposit my money in an international bank and to live off the interest. I have done research and I figured New Zealand is a good option. The average rates for New Zealand banks are 4.5 and inflation is 1.5 so ill net a total of 3 gains per year. This comes out to 10,500 a year which is more than enough to live a good life in Vietnam. I was wondering if this is possible or am I in over my head?  <response>: Even assuming you can put the money in a New Zealand bank, youre running exchange-rate risks that could impact the value of your money in Vietnam. Its not really a viable strategy long-term, I think. 