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Gemma – Know, Plan, Act.
Your trusted independent financial capability portal.
Gemma - Know, Plan, Act.


Your trusted independent financial capability portal

  • 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
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    • Videos: Ben Camille Stories
    • Videos: Bagitjar u Ppjanar
    • Videos: Media Appearances
    • Videos: Niskata
    • Videos: Prime Time
    • Videos: Recipes
    • Videos: Webinar Recordings
    • Videos: The She Word
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      • Budget Planner App
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    • Infographics
    • Microdata for Research
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    • Teachers & Parents
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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
    • Videos: The She Word
  • Resources
    • Apps
      • Budget Planner App
      • Karus
      • 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
  • A Decrease font size. A Reset font size. A Increase font size.

  • English

Our Work

Identity Theft Scam

September 2, 2021

Do you know how to protect yourself against scams and fraud?  Want to know more?  Download our latest Infographic. Identity…

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Online Selling Scam

August 26, 2021

[audio src="https://gemma.gov.mt/wp-content/uploads/speaker/post-26650.mp3?cb=1629962908.mp3" /]

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Mobile Phone Scams

August 24, 2021

[audio src="https://gemma.gov.mt/wp-content/uploads/speaker/post-26625.mp3?cb=1629787716.mp3" /]

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Anti Virus Scam

August 12, 2021

Has this ever happened to you? You are browsing online when a pop-up ad appears on your screen warning you…

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Ben Camille on Scams and Frauds

August 10, 2021

This is the seventh video that Ben Camille and ĠEMMA produced together.  In this video Ben Camille discusses his experience…

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Money Mules

August 5, 2021

[audio src="https://gemma.gov.mt/wp-content/uploads/speaker/post-26121.mp3?cb=1628572115.mp3" /]

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Free Streaming Sites Scam

July 29, 2021

The rapid increase in subscribers of streaming services such as Netflix and Disney+ has rendered the streaming market an attractive…

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Phishing Scam

July 22, 2021

Scammers use email or text messages to trick you into giving them your personal information. They may try to steal…

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Ġemma and the eSkills Malta Foundation

July 12, 2021

Learning how a scam works https://timesofmalta.com/articles/view/learning-how-a-scam-works.885766 Recently Malta has seen a spate of scams – including phishing, romance fraud and…

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ĠEMMA’s Webinar on its Research on the understanding of the pension system by persons who are born on and after 1962

June 18, 2021

ĠEMMA on 27th May 2021 held a seminar on its research on the level of understanding that persons who are…

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ĠEMMA’s Scams and Fraud: Debit and Credit Card Fraud

June 17, 2021

Do you know how to protect yourself against scams and fraud?  Want to know more?  Download our latest Infographic. As…

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ĠEMMA’s Scams and Fraud: Holiday Fraud

May 20, 2021

Do you know how to protect yourself against scams and fraud?  Want to know more?  Download our latest Infographic. A…

Read more

Ben Camille meets up with Destiny

May 11, 2021

We at ĠEMMA are sure that you have heard of Destiny – the talented Maltese girl with her amazing soulful…

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Strategic Partnership with Mental Health Services within the Ministry of Health

May 10, 2021

ĠEMMA is pleased to announce that it has developed a strategic partnership with Mental Health Services (MHS).  The objective of…

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ĠEMMA in April’s Sagħtar Issue: Learning to Count Money

April 27, 2021

[audio src="https://gemma.gov.mt/wp-content/uploads/speaker/post-24724.mp3?cb=1619505965.mp3" /]

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Easy Steps to Protect Yourself Against Scams and Fraud: Securing your Mac

April 22, 2021

[audio src="https://gemma.gov.mt/wp-content/uploads/speaker/post-24676.mp3?cb=1619505968.mp3" /]

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Do you know Ben Camille?

April 13, 2021

[audio src="https://gemma.gov.mt/wp-content/uploads/speaker/post-24531.mp3?cb=1618987383.mp3" /]

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My ĠEMMA Savings Withdrawal Calculator

April 9, 2021

[audio src="https://gemma.gov.mt/wp-content/uploads/speaker/post-24511.mp3?cb=1618987389.mp3" /]

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ĠEMMA Webinar on Scams and Fraud held on 25th March 2021

March 30, 2021

The second ĠEMMA webinar of the year discussed findings of a survey carried out by ĠEMMA earlier this year. The…

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ĠEMMA Webinar on being Self-employed

October 2, 2020

Click below to download the ĠEMMA e-Book on How to Go Self-employed in Malta. Click here to see the ĠEMMA…

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Back-To-School

September 14, 2020

Going Back to School is an exercise in planning and preparation which helps to reduce any anxiety that it may…

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Money Management and Student Loans with ĠEMMA and BOV

September 11, 2020

Students intending on furthering their education locally or internationally may incur a hefty expense when deciding which options to consider.…

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ĠEMMA Financial Capability Awareness Campaign for Unemployed Persons

September 8, 2020

ĠEMMA is running a financial capability education campaign that is co-financed under the European Social Fund. The campaign is directed…

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ĠEMMA Webinar on Financial Literacy to HSBC Staff

August 24, 2020

In late July, the HSBC Malta Foundation invited the ĠEMMA team to participate in a webinar directed towards HSBC staff…

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Students in Further Education: Money Management and Student Loans

August 24, 2020

ĠEMMA and BOV is holding a Webinar on 26th August 2020 on students in further education and money management and…

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Financial Capability Education Fun Books Competition

August 10, 2020

Ministry for the Family, Children’s Rights and Social Solidarity – ĠEMMA Ministry for Education and Employment – Directorate for Learning…

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ĠEMMA & Presentation of 5 Gift Vouchers

August 6, 2020

ĠEMMA Know, Plan, Act has today presented 5 gift vouchers of €100 each to 5 winners at the Ministry for…

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ĠEMMA IS ONCE AGAIN PRESENT AT SKOLA SAJF

August 4, 2020

ĠEMMA Know, Plan, and Act within the Ministry for the Family, Children’s Rights and Social Solidarity and the HSBC Malta…

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Download Part II of ĠEMMA’s Little Black Books of Scams and Fraud

June 23, 2020

The ĠEMMA team is pleased to present Part II in the series of its Little Black Book of Scams and…

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ĠEMMA PULSE SURVEY ON HOUSEHOLD MONEY MANAGEMENT APRIL AND MAY 2020

June 16, 2020

DOWNLOAD ĠEMMA PULSE SURVEY ON HOUSEHOLD MONEY MANAGEMENT APRIL AND MAY 2020 ĠEMMA, government’s financial capability education platform, is carrying…

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Press Release

May 23, 2020

On the 20th May, ĠEMMA team will be launching its first Part 1 ebook on Scams and Frauds which aims…

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