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Gemma – Know, Plan, Act.
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Gemma - Know, Plan, Act.


Your trusted independent financial capability portal

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  • Topics
    • Debt Management
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    • 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
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    • Videos: The She Word
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    • ĠEMMA Flashcards – Online
    • Fun Books
    • Fun
    • ĠEMMA Activities
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Author Archives: Admin

Results of 4th Pulse Survey on Household Money Management during COVID-19

General, Managing your moneyBy AdminNovember 27, 2020

ĠEMMA on 7rd November held a webinar on key matters that one should be aware of with regards to Household Money Management. The panel consisted of Josef Bugeja – Secretary General of the GWU; Abigail Mamo – CEO of the Chamber of SMEs; Frans Camilleri – Economist; and David Spiteri Gingell – Team Leader, ĠEMMA.…

Withdrawing Savings from Pensions Pots – Rules of Thumb Number 1: The 6% Rule – Part II

General, InvestmentBy AdminNovember 26, 2020

In last Tuesday’s post ĠEMMA referred to the importance of following successful Rules of Thumb that nudge and guide persons to reach financial and money management decisions. One important area where Rules of Thumb act as a useful and reliable steer which engages persons offers a better course of action than not following it is…

Social Security Contributions What’s important to know

Employment, GeneralBy AdminNovember 25, 2020

ĠEMMA on 3rd November held a webinar on key matters that one should be aware of with regard to the social security contributory system.  If you missed the Webinar and you wish to view it click here. Missed the Webinar … Do you want to go through it? Click here to download the presentation delivered…

Withdrawing Savings from Pensions Pots and Rules of Thumb – Part I

General, InvestmentBy AdminNovember 24, 2020

Not everybody wants individual financial advice and not everybody can afford it. Those who get individual financial advice want comfort that it is robust and reliable. Rules of Thumb are used in some savings and pensions markets to give general advice to retirees. A working definition of a Rule of Thumb is: “A simple principle,…

Retirement, Widows, Invalidity Benefits payment dates

GeneralBy AdminNovember 24, 2020

If you are in receipt of one of the above benefits, you will receive payment on particular dates. Want to keep track of when payments will be deposited in your account? Click here to download and save our calendar for 2021. Payments are issued on a four weekly basis, resulting in a total of thirteen…

Time to Go Flatting: Part II

General, Managing your moneyBy AdminNovember 19, 2020

In the first part of this post we discussed the importance of determining whether you will be able to afford to go flatting and still have enough money to have a good social life.  ĠEMMA also discussed the matter of rent and the rental contract to be entered into with a landlord. As well as…

CBM cooperates with ĠEMMA to promote financial literacy

Gemma Activities, GeneralBy AdminNovember 18, 2020

PRESS RELEASE The Central Bank of Malta is cooperating with ĠEMMA to produce another set of videos aimed at promoting financial capability. The Bank provides ongoing practical assistance to the agency and will also help with the dissemination of the videos via its social media presence. “Although financial literacy is not directly one of our…

Time to Go Flatting: Part I

General, Managing your moneyBy AdminNovember 17, 2020

So – you have decided that it is time you reach out for yourself and start living on your own or share a flat with some mates. First thing that you must take note of is that going independent means you will now start paying for expenses for things that you would have taken for…

Today’s Planning for Tomorrow’s Well Being

Retirement & PensionsBy AdminNovember 16, 2020

Retirement – you must have thought about it! To be free to do what you have long dreamt about;  No more demanding working schedules;  No more being caught up in bumper to bumper traffic to get to work; No more constant stress; On retirement, finally, you are your own master. To enjoy your retirement, you…

Minimum Contributions to be Paid to Qualify for the Social Security Contributory Pension

Employment, GeneralBy AdminNovember 12, 2020

It is important that you note that you must have paid a minimum threshold of social security contributions for you to qualify for the Social Security Contributory Pension. The amount of social security contributions that you must pay depend on your date of birth. These are presented in the Table below. Date of BirthTo Qualify…

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