This Guidebook explains the key elements of the state pension system and how these affect you – in a simple manner.

At ĠEMMA, our goal is to provide you with simplified information about state pensions and a general financial outlook to help you make informed financial decisions.

We appreciate your suggestions on how we can improve the dissemination of such knowledge and information – both with regard to how we convey them and the language we use. We look forward to hearing from you at

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