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Gemma – Know, Plan, Act.
Your trusted independent financial capability portal.
Gemma - Know, Plan, Act.


Your trusted independent financial capability portal

  • Retirement
    • Saving for Your Retirement
      • Why is planning for your retirement difficult?
      • Understanding Key Factors that may Impact your Retirement: Compounding Your Rate of Return on Your Pension Savings (2)
      • Understanding Key Factors that may Impact your Retirement: Inflation (1)
      • What are Private Pension Retirement Products?
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      • Finding out what your Pension Income is on Retirement
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  • Retirement
    • Saving for Your Retirement
      • Why is planning for your retirement difficult?
      • Understanding Key Factors that may Impact your Retirement: Compounding Your Rate of Return on Your Pension Savings (2)
      • Understanding Key Factors that may Impact your Retirement: Inflation (1)
      • What are Private Pension Retirement Products?
        • Buying Private Pension Retirement Products
        • Obligations of your Private Pension Retirement Product’s Provider
        • Managing Risk in a Private Pension Retirement Product
    • Your Social Security Pension
      • What is the Social Security contribution scheme?
        • Social Security Contributions
        • The Contributory Retirement Pension
        • Widows / Survivors Pensions
        • Invalidity Pension
        • Retirement Pension? Age Pension? Service Pension? Second Pension? Third Pension? Let us define
        • “Self-Employed” as defined in the Social Security Act
        • Pension payment dates for 2021
        • The Guaranteed National Minimum Level ( GNML) of Pension
        • The Cost of Living Allowance: How it affects your income and your pension rate.
      • Finding out what your Pension Income is on Retirement
      • Maltese People Working Abroad and Third Country Nationals Working In Malta
        • Maltese people paying social security contributions in Malta while working abroad
        • What are my Social Security Pension Rights as a Third Country National Citizen Working in Malta
      • Gaps in your pension contributions
        • How you can fill gaps in your pension contributions
        • Right to credits for the calculation of your pension income
        • Child credits for child rearing
        • Study Credits
      • How you can boost your pension income if you work beyond 61 years
        • The Pensions % Increase Measure
        • Employment beyond Pension age – Age 65
      • Grants and Bonuses
        • Senior Citizen Grant
        • Deficiency Contributory Bonus
        • Government Bonuses
    • Got a question? Click Here
  • Managing Your Money
  • Debt Management
  • Videos
    • All Videos
    • Videos: Ben Camille Stories
    • Videos: Bagitjar u Ppjanar
    • Videos: Business Masterclass
    • Videos: Media Appearances
    • Videos: Niskata
    • Videos: Prime Time
    • Videos: Recipes
    • Videos: Webinar Recordings
    • Videos: The She Word
  • Resources
    • Apps
      • Budget Planner App
      • Karus
      • Money Monsters
    • Calculators
    • Competitions
    • ebooks
    • Featured Content
    • Flash Cards
    • ĠEMMA Flashcards – Online
    • Fun Books
    • Fun
    • ĠEMMA Activities
    • Infographics
    • Microdata for Research
    • Posters & Artwork
    • Radio Clips
    • Recipes
    • Reference Sites
    • Teachers & Parents
    • Tools
    • Webinars

  • A Decrease font size. A Reset font size. A Increase font size.

  • English
    • Malti

Daily Archives: June 16, 2020

ĠEMMA PULSE SURVEY ON HOUSEHOLD MONEY MANAGEMENT APRIL AND MAY 2020

GEMMA, GeneralBy AdminJune 16, 2020

DOWNLOAD ĠEMMA PULSE SURVEY ON HOUSEHOLD MONEY MANAGEMENT APRIL AND MAY 2020 ĠEMMA, government’s financial capability education platform, is carrying out a longitudinal study on Household Money Management within the context of the COVID-19 situation.  The first report which surveys opinion in March and April 2020 is launched.  The survey was carried out by EMCS. …

Studying Abroad? The ĠEMMA Money Management Tips for Studying Abroad

Employment, General, Managing your money, Under 25s, Youths and Young AdultsBy AdminJune 16, 2020

You decided to go overseas to further your studies or to carry out an internship necessary for you to graduate. Do not under estimate the money challenges of studying abroad – particularly if this is the first time you will be living abroad for some extended time.  Studying abroad places pressure on you – settling…

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