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


Your trusted independent financial capability portal

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  • Topics
    • Debt Management
    • Financial Terms & Education
    • Planning & Budgeting
    • Retirement & Pensions
      • Saving for Your Retirement
        • Changing your Financial Behaviour
        • Retirement and Compound Interest Investments
        • Retirement Income and Inflation
        • What is a private pension?
          • 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
    • Saving & Investing
  • Debt Management
  • Videos
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    • Videos: Ben Camille Stories
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    • Videos: Recipes
    • Videos: Webinar Recordings
    • Videos: The She Word
  • Resources
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      • Budget Planner App
      • Karus
      • Money Monsters
    • Calculators
    • Competitions
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    • Featured Content
    • Flash Cards
    • ĠEMMA Flashcards – Online
    • Fun Books
    • Fun
    • ĠEMMA Activities
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    • Microdata for Research
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    • Radio Clips
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    • Teachers & Parents
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Author Archives: ĠEMMA Team

Mobile Phone Scams

InfographicsBy ĠEMMA TeamJune 17, 2021

ĠEMMA’s Scams and Fraud: Debit and Credit Card Fraud

GEMMA, GeneralBy ĠEMMA TeamJune 17, 2021

Do you know how to protect yourself against scams and fraud?  Want to know more?  Download our latest Infographic. As debit and credit cards are used by most people this is an area of focused attack by scammers.  There are, however, some very basic tips you should follow so that you limit a fraudster’s possibility…

Holiday Fraud

InfographicsBy ĠEMMA TeamJune 16, 2021

WIFI Hotspots

InfographicsBy ĠEMMA TeamJune 16, 2021

The 10 Commandments to protect yourself against Scams and Fraud

InfographicsBy ĠEMMA TeamJune 16, 2021

Are you born on and after 1962? Do you know how the pension system works?

Gemma Activities, General, Youths and Young AdultsBy ĠEMMA TeamJune 16, 2021

The likelihood is that you do not know how the pension systems works in your regard.  In May this year ĠEMMA carried out a survey amongst persons born on and after 1962 to understand their knowledge of how the pension system works, and hence their ability to make informed decisions with regard to their retirement…

ĠEMMA’s Video Series on Budgeting – Tipprepara għat-tieġ

General, Managing your money, Youths and Young AdultsBy ĠEMMA TeamJune 15, 2021

ĠEMMA’s Video Series on Budgeting – Tipprepara għat-tieġ This is the seventh video we produced with the Central Bank of Malta in our budgeting series. My niece, Kylie is getting married five months or so. All I have been hearing from Maria, my wife, and Angele, my daughter, is my niece’s wedding preparations. Pa –…

How does a Scam work? ĠEMMA and its series of the Little Black Book

Gemma Activities, GeneralBy ĠEMMA TeamJune 9, 2021

In the past weeks, Malta experienced a number of scams and fraud.  The latest one was an email and SMS where scammers positioned themselves as the Malta postal service informing persons that they were unable to complete the parcel delivery due to an underpayment, of shipping fees before directing them to click a link to…

UĦM teams up with MSFC and ĠEMMA on Financial Capability Education

Gemma Activities, GeneralBy ĠEMMA TeamJune 8, 2021

UĦM Voice of the Workers Teams up with the Ministry for Social Justice and Solidarity, the Family and Children’s Rights and ĠEMMA on financial capability education The Ministry for Social Justice and Solidarity, the Family and Children’s Rights and the UĦM Voice of the Workers today signed a strategic partnership to jointly work together, through…

ĠEMMA’s Scams and Fraud: Investment Scams

Gemma Activities, GeneralBy ĠEMMA TeamJune 3, 2021

Do you know how to protect yourself against scams and fraud?  Want to know more?  Download our latest Infographic. Be suspicious of anyone that offers you easy money. Scammers are skilled at convincing you that the investment is real, the returns are high and the risks are low.  But there’s always a catch. In this…

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