Bonds

Seems complex , yet so simple. What is a bond? A bond can be thought of as basically a loan agreement. There are different classes of bonds, with differing bond characteristics. Who can issue bonds? Businesses and governments issue certificates of debt, called bonds. It is a certificate showing that the bondholder has lent a…

Gambler or Saver?

After trying our profile, click here to read our post related to it so that you will acquire knowledge and be in a better position to take informed decisions relating to your financial matters that fit your personal circumstances.

The Effect of Pension Reforms on Retirement in Malta

An interview was conducted by The Malta Independent with David Spiteri Gingell, about Malta’s pension system, which is stronger than ever.  However, more work needs to be done – David Spiteri Gingell. Click here to view the full interview. Click here to read the first part of the interview. What has been the effect of…

Hands protecting money / money growth

Pension in Malta – David Spiteri Gingell

An interview was conducted by The Malta Independent with David Spiteri Gingell. David Spiteri Gingell, who has been involved in pensions reform since 2004, is responsible for the implementation of the 2017-2019 Retirement and Financial Capability Strategy. This strategy seeks to increase an individual’s financial and retirement capability to be in a better position to…

Travel

Going abroad is a financial goal, that requires thought, planning and a travelling budget. It is not just buying a flight ticket and placing a deposit on accommodation.  There is much more to it. Click on below links to download our guide and calculator to plan, achieve and make the most of your abroad experience!…

Phishing

What is Phishing? Phishing… fishing for information We live in a world where people buy more online, are consistently online doing e-banking, e-bills payment, e-shopping, and sharing personal information. The result is that they leave a digital footprint behind. A digital footprint that allows cyber thieves to get to your personal financial information – and,…

Risk and Return

Risk is the probability an investment would not give you the outcomes you want. For example, you may expect your investment to grow but its value falls or is lost entirely. In another scenario, you may expect regular interest of 10% but interest payments fall to 5%. Or you may expect to be able to…

Investment related terms you should know

Below is a list of terms that are frequently used in investment together with their significance TermDescriptionAnnual Management ChargeAdministration charge to cover the services provided. The charge Is usually a percentage of the total fund value.AnnuityAn annuity uses a member’s accumulated pension fund to provide payments at regular scheduled intervals upon retirement.Annual Percentage RateAn annual…