Thinking about retirement village living but unsure if it’s right for you? You're not alone. This quick-read guide tackles 10 of the most common myths we hear at Village Guide and shares what’s actually true.
Deciding whether to move into a retirement village is a big decision - and it's not surprising that plenty of myths and misconceptions can get in the way.
At Village Guide, we hear it all the time: “I’m not ready yet,” “It’s not for people like me,” “I’ve heard it’s expensive,” and more.
Let’s take a closer look at the most common myths and the true reality of retirement village living.
Myth #1: “I’m not old enough for a retirement village”
This one’s more about mindset than age.
Many people in their early to mid 70s don’t see themselves as “retired” in the traditional sense, and that’s exactly who retirement villages are built for now.
Today’s villages are designed for people who are active, independent, and ready to simplify things - think fewer home maintenance worries and more time for travel, family, or just doing what you love.
Many residents move in while they’re still volunteering, travelling regularly, or enjoying semi-retirement. It’s not about slowing down, it’s about freeing up time for the good stuff.
Myth #2: “I’ll lose my independence”
Quite the opposite.
Most residents say they feel more independent after moving. No lawns to mow, no leaky taps to fix, and no need to rely on family for help with the big stuff. You can come and go as you please, live how you want, and only get support when (and if) you need it.
Modern retirement living is all about freeing you up to do more of what you love not restricting you.
Myth #3: “I’ll be bored”
You won’t be.
There’s always something happening in a retirement village from fitness classes and workshops to film nights, happy hours, and outings. Many people find they’re more socially active than they’ve been in years.
But the beauty is: it’s all optional.
Learn more: The social benefits of retirement living
Myth #4: “I’ll be forced to join in (and be judged if I don’t)”
Absolutely not.
This is a real fear for people who enjoy their privacy or just don’t want to feel pressured to be social. But retirement villages aren’t about forced fun.
Just like any community, there are people who love to be involved in everything and others who prefer a quieter life. There’s no “right” way to live in a village - you do you.
Myth #5: “I can’t afford it”
It’s true - retirement villages require an upfront investment. But once you understand what’s included, the value becomes clearer.
In most cases, you’re buying a ‘licence to occupy’ rather than owning the home outright. This means the capital sum you pay is typically lower than the cost of buying a comparable home in the same area.
There’s also a financial benefit in knowing that exterior maintenance, building insurance, and council rates are covered by the operator through your weekly fee. It’s worth comparing the village weekly fee with what you currently pay for those same costs outside of a village.
Retirement villages across New Zealand offer a range of price points, and many residents find the financial predictability both reassuring and worthwhile.
Learn more: The costs of living in a retirement village
Myth #6: “I’ll lose my money or have nothing to leave my kids”
This one comes up a lot and it's important to understand the structure.
Yes, most villages operate on a licence-to-occupy model, and a Deferred Management Fee is deducted when you leave. But what you’re paying for isn’t just the home, it’s peace of mind, services, and a lifestyle that’s hard to replicate elsewhere.
If leaving a full inheritance is a priority, it’s worth discussing your goals with family and exploring your options. But for many, the benefit of a secure and simplified lifestyle outweighs the capital loss.
Myth #7: “I’m better off staying in my own home”
That might be true - for now.
But staying at home can come with hidden challenges: loneliness, upkeep, rising costs, and harder access to help when it’s needed. Many people say they wish they’d moved sooner, once they realise how much easier and more enjoyable village life is.
It’s not just about now, it’s about your future comfort, safety, and support.
Learn more: Tips on finding a retirement village that feels like home
Myth #8: “I’m not ready to downsize”
Downsizing can feel daunting.
You’ve built a life in your home, and sorting through it all is emotional and overwhelming.
But many residents describe it as liberating once it’s done. It’s a chance to simplify and focus on what really matters. Many villages can recommend downsizing services to help make the process easier.
Myth #9: “I won’t be able to bring my pet”
Pets are family and most villages know it.
While rules vary, a growing number of retirement villages are pet-friendly, especially if you’re bringing a pet with you when you move in. It’s worth asking upfront about the pet policy, including what happens if your pet passes away or if you'd like another one in the future.
Myth #10: “Retirement villages are for when I need care”
Retirement villages are not aged care facilities.
Most residents live independently, in villas or apartments that are modern, spacious, and private. You don’t need to be unwell or “ready for care” to move in - in fact, many people choose to move early so they can enjoy the lifestyle while they’re still active.
Some villages offer higher levels of care on-site, which can be reassuring for the future but that’s only one part of the picture.
You’re in control just be sure you’ve got the full picture
You don’t need to rush. And you don’t need to decide today. But you do deserve to have all the facts, not just the myths.
Visit some villages. Talk to residents. Ask the tough questions. The best decision is an informed one.
Want to find out if retirement village living could be right for you?
Start exploring villages near you or download your free copy of the Ultimate Guide to Retirement Villages to get started.
Everything you need to know.
Further reading
The Costs of Living in a Retirement Village
How you can move into a retirement village even if you’re having trouble selling your home
Twelve key differences between a retirement village and regular home
