The ĠEMMA March 2024 Newsletter is now online!
The March edition of the Ġemma newsletter is now online. We encourage you to click on the image below to read the latest edition.
ĠEMMA launches the OECD research on adult Financial Literacy
Malta through ĠEMMA has participated in the the Organisation for Economic Cooperation and Development OECD/Internation Network for Financial Education (INFE) international research for measuring financial literacy and financial inclusion with research carried out by market research agency, M.FSADNI & Associates. Wednesday 6th March saw the launch of the outcomes of the OECD adult financial literacy…
Bridging the pension gap of pensioners born before 1st January 1962
Queries have arisen about the two Budget 2024 measures aimed at bridging the pension gap of pensioners born before 1st January 1962. At this stage it is not possible to address each and every query as in most cases they are incomparable and therefore have to be singularly appraised. But until the measures come into…
Empower Your Finances with Our New Debt Management Section
We’re excited to introduce the Debt Management Section on our website. Our comprehensive Debt Management Section is your destination for practical information on effective debt management. Discover budgeting tips and advice on debt management through these articles that will greatly help your day-to-day debt management. Understanding and managing debt is key to achieving financial well-being.…
ĠEMMA – Financial Literacy Quiz – Your chance to win €100 gift voucher!
This multiple-choice online quiz features seven engaging questions covering essential topics like pensions, budgeting, and saving. Achieve the perfect score and you’ll earn a chance to enter our exciting competition, where you could win €100 worth of One4All Gift Vouchers! To participate, visit this page https://docs.google.com/…/1FAIpQLScbu2T29V6GOZ…/viewform Each participant can participate in the quiz only once…
Private Pensions – A Summary
Malta, like many other countries is facing challenges due to its aging population and this is increasing the burden on the state pension system. Starting a private pension plan is becoming increasingly important to secure an adequate standard of living after retirement. Private pension plans might offer tax rebates and financial security without affecting the…
The ĠEMMA November 2023 Newsletter is now online!
The November edition of the Ġemma newsletter is now online. We encourage you to click on the image below to read the latest edition.
ĠEMMA – Free SME Masterclass Sessions
Do you have a start-up, are you self-employed or self-occupied, an entrepreneur starting on your own business or someone thinking of becoming self-employed? ĠEMMA, the Malta Tax and Customs Administration, HSBC Malta Foundation and EY have all teamed up to offer you a free, online Business Masterclass composed of an number of interesting and very…
Loans and Debt
What is a loan? A loan is an arrangement under which a lender allows another party the use of funds in exchange for an interest payment and the return of the funds at the end of the lending arrangement. Generally when we speak about a loan we are referring to a sum of money that…
What is the purpose of a private pension?
Malta, like several other nations, is facing challenges posed by an aging population. As the proportion of elderly citizens continues to rise, the burden on the state pension system has increased significantly. At the same time, the low pension income may fall short of providing retirees with a comfortable standard of living. This combination of…