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


Your trusted independent financial capability portal

  • Retirement
    • Saving for Your Retirement
      • Today’s Planning for Tomorrow’s Well Being
        • Plan Your Retirement Date, When?
      • Understanding 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
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  • Retirement
    • Saving for Your Retirement
      • Today’s Planning for Tomorrow’s Well Being
        • Plan Your Retirement Date, When?
      • Understanding 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: 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
    • Malti

Category Archives: Uncategorized

ĠEMMA’s Video Series on Budgeting – Fond ġħall-Emerġenża

General, Managing your money, UncategorizedBy ĠEMMA TeamJune 22, 2021Leave a comment

This is the third video we produced with the Central Bank of Malta in our budgeting series. Lovely day.  After weeks locked in because of COVID-19 I decided to go with Maria, my wife, to the countryside for a long warm walk and follow this with a lovely lunch next to the sea.  On my…

ĠEMMA’s 6th Pulse Survey on Household Money Management

General, UncategorizedBy AdminMay 4, 2021Leave a comment

In March 2020, ĠEMMA launched a series of six surveys to understand household money management behaviour within the context of COVID-19. The 6th survey in the series was held in March 2021. Click here to download the 6th ĠEMMA Pulse survey on Household Money Management On Thursday 29th ĠEMMA held a Webinar on this survey.…

My ĠEMMA Savings Withdrawal Calculator

GEMMA, General, UncategorizedBy AdminApril 9, 2021

So – you have managed to save a tidy amount to complement your social security pension income. How do you intend to dip into your pensions? How long will your savings last you? This calculator helps you plan how you will deaccumulate your savings. The My ĠEMMA Savings Withdrawal Calculator is organised in three sections.…

Gemma Ftit

UncategorizedBy AdminSeptember 11, 2019Leave a comment

https://www.youtube.com/watch?v=HN52cDT8RoI

Tips with regards to saving for your retirement nest egg!

UncategorizedBy AdminJanuary 11, 2018

Start now. Do not wait. Time is critical. Start small, if necessary. Money may be tight, but even small amounts suffice as they accumulate and compound over time. On receipt of your pay cheque or the Direct Debiting of your salary put aside the money you are saving for your retirement nest egg first. Have…

Protected: A New Year’s note from one of the Editors

UncategorizedBy AdminDecember 10, 2000

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Protected: The Elderly and Taxation

UncategorizedBy AdminNovember 17, 2000

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Protected: Investments Warnings – Company director fraud

UncategorizedBy AdminOctober 31, 2000

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Protected: Investments Warnings – Binary Options

UncategorizedBy AdminOctober 31, 2000

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Protected: Low Income Households – Making the most of your money

General, UncategorizedBy AdminSeptember 15, 2000

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