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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)
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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: Media Appearances
    • Videos: Niskata
    • Videos: Prime Time
    • Videos: Recipes
    • Videos: Webinar Recordings
  • Resources
    • Apps
      • Budget Planner App
      • Money Monsters
    • Calculators
    • Competitions
    • ebooks
    • Featured Content
    • Fun Books
    • Fun
    • ĠEMMA Activities
    • Infographics
    • Microdata for Research
    • Posters & Artwork
    • Radio Clips
    • Recipes
    • Reference Sites
    • Teachers & Parents
    • Tools
    • Webinars
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  • English
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Category Archives: General

The Festive Season is Here: Financial Tips you may wish to consider!

GeneralBy AdminDecember 15, 2020Leave a comment

Yet again, we enter a new festive season. To many, the festive season can be stressful – buying presents for children, relatives, financing the partying, etc. The likelihood is that this festive season will be on the quiet side – COVID-19 has turned out to be a party spoiler. Here are some ĠEMMA financial tips…

Our Latest Calculator: Getting out of Debt

General, Homes & Loans, Managing your moneyBy AdminDecember 10, 2020

If you have multiple debts – more than one credit card, home loan, car loan – have you ever wondered what strategy you are to adopt to pay off your debt.  Earlier this quarter ĠEMMA posted a series of articles with regard to debt.  These included tips to reduce the cost of your credit card…

Withdrawing Savings from Pensions Pots – Rules of Thumb Number 4: Life Expectancy Rule – Part V

General, InvestmentBy AdminDecember 8, 2020

This is part V of ĠEMMA’s series on Rules of Thumbs that act act as a useful and reliable steer which engages persons offers a better course of action than not following it is in the withdrawal of savings from your retirement pot. Today’s post explores the Life Expectancy Rule. This Rule sees you each…

New Resource: Savings Goal Tracker

General, Managing your moneyBy AdminDecember 7, 2020

The ĠEMMA team has uploaded a new resource tool – the ‘Savings Goal Tracker’. First you need to set your savings goals.  What are you saving for?  Your savings goals may be for carrying out maintenance on your home or purchasing a new bed for your daughter.  You may be saving for a family vacation.…

Withdrawing Savings from Pensions Pots – Rules of Thumb Number 3: Fixed Date Rule – Part IV

General, InvestmentBy AdminDecember 3, 2020

This is part IV of ĠEMMA’s series on Rules of Thumbs that act act as a useful and reliable steer which engages persons offers a better course of action than not following it is in the withdrawal of savings from your retirement pot. Today’s post explores the Fixed Date Rule. This Rule sees you run…

Withdrawing Savings from Pensions Pots – Rules of Thumb Number 2: Inflated 4% Rule – Part III

General, InvestmentBy AdminDecember 1, 2020

This is part III of ĠEMMA’s series on Rules of Thumbs that act act as a useful and reliable steer which engages persons offers a better course of action than not following it is in the withdrawal of savings from your retirement pot. Today’s post explores the Inflated 4% Rule. This rule is tested for…

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,…

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