73
Staying Safe Is Staying Free
Returning to Jamaica is about freedom — freedom to live in sunshine, freedom to reconnect with culture,
freedom to belong again. Scams are the shadow side of that freedom. But awareness is your shield.
By combining vigilance with strong networks, using official channels, and never rushing into deals, you can live
smart, safe, and confident. Jamaica will test you, but it will also reward you. And in the balance, staying scam-
free is one of the greatest victories you can win as a returning resident.
Section 6 – Building Long-Term Financial Security
Investment Options
- Real Estate: Property remains one of the strongest long-term assets.
- Stocks: The Jamaica Stock Exchange (JSE) is one of the most dynamic in the Caribbean.
- Entrepreneurship: Returning residents often succeed in tourism, real estate, and agribusiness.
Saving in Jamaica
- Local accounts earn interest, but rates are modest.
- Some returnees keep USD savings abroad and remit monthly to hedge against devaluation.
Section 7 – Case Study Snapshots
- Elaine, 68 (UK returnee): Transferred pension via JN Bank UK → JN Kingston. Found stability, but
keeps half in GBP for emergencies. - Michael, 33 (Canada returnee): Uses Wise for freelance earnings. Keeps dual accounts (USD +
JMD) to protect income. - Donna, 55 (Florida returnee): Built savings into a small business. Uses NCB for day-to-day, but
keeps surplus in US-based account.