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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
      • 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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Search:
  • 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
  • A Decrease font size. A Reset font size. A Increase font size.

  • English

ĠEMMA Activities

Digitalisation within the Banking Sector – Information Sessions at the Paola Local Council

October 19, 2022
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PRESS RELEASE: Financial Capability Project: Mental Health 5th Interactive workshop

October 7, 2022
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Skolasajf students showcase their creativity in HSBC backed recycling competition – 6th September 2022

September 13, 2022
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GAMIFICATION AWARDS IN FINANCIAL LITERACY – SEASON 3

July 22, 2022
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Managing your Money Course with LifeLong Learning

July 15, 2022
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PRESS RELEASE: ĠEMMA Launches VORPS training sessions

June 13, 2022
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ĠEMMA’s webinar on Putting Retirement on a Young Person’s Radar

June 7, 2022
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Awards presentation for the three winners for the ĠEMMA Money Monsters Challenge

March 13, 2022
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Awards presentation for the ĠEMMA Ftit Interactive Play Competition

February 28, 2022
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ĠEMMA on Various Portals

February 7, 2022
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ĠEMMA’s Financial Capability Drive – Featured on UHM

February 7, 2022
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LAUNCH: Financial Capability Drive held between ĠEMMA, CARITAS and HSBC Malta Foundation

February 5, 2022
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Launch of the Financial Capability Strategy 2022-2025

January 13, 2022
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ĠEMMA on PRIME TIME

October 8, 2021
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Gamification in Financial Literacy – Season 1

September 28, 2021
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ĠEMMA General Information session for Local Council Association

September 23, 2021
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ĠEMMA LAUNCHES FUN EDUCATION EBOOKS ON FINANCIAL CAPABILITY BY USE AND PARENTS

September 10, 2021
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HSBC Malta and ĠEMMA launch fraud awareness booklet

September 10, 2021
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ĠEMMA, HSBC Malta Foundation and Financial Literacy Sessions

August 26, 2021
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A 5th Edition of the Little Black Book on Scams and Frauds

August 18, 2021
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Want a fun way to teach your kids about money?

July 23, 2021
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ĠEMMA’s Video Series on Budgeting – X’Inhu Baġit?

July 20, 2021
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Business e-Mail Scam

July 15, 2021
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ĠEMMA’s Private Pension Plans Jargon Buster Guidebook

July 13, 2021
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ĠEMMA on BENNA!

July 12, 2021
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ĠEMMA’s Scams and Fraud: Internet Bank Fraud

June 24, 2021
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Press Statement – Local Councils Association enters into a Strategic Partnership with MSFC and ĠEMMA on financial capability education

June 22, 2021
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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
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Are you born on and after 1962? Do you know how the pension system works?

June 16, 2021
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How does a Scam work? ĠEMMA and its series of the Little Black Book

June 9, 2021
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UĦM teams up with MSFC and ĠEMMA on Financial Capability Education

June 8, 2021
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ĠEMMA’s Scams and Fraud: Investment Scams

June 3, 2021
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Maltese students win international financial capability challenge

June 1, 2021
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Ben Camille meets up with Destiny

May 11, 2021
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Strategic Partnership with Mental Health Services within the Ministry of Health

May 10, 2021
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ĠEMMA in April’s Sagħtar Issue: Learning to Count Money

April 27, 2021
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Do you know Ben Camille?

April 13, 2021
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ĠEMMA Webinar on Scams and Fraud held on 25th March 2021

March 30, 2021
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ĠEMMA presents its ĠEMMA Ftit play on Sagħtar Magazine March 2021 Issue

March 29, 2021
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Financial Capability Fun Books Education Competition: Announcing the Results

March 29, 2021
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ĠEMMA’s Participation in the 2021 European Money Week

March 18, 2021
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ĠEMMA webinar on the future adequacy, sustainability and solidarity of Malta’s pension system

March 9, 2021
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ĠEMMA is on SAGĦTAR – A note for the Parents / for the Teachers

February 25, 2021
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PRESS STATEMENT

February 24, 2021
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ĠEMMA is on SAGĦTAR

February 23, 2021
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ĠEMMA Survey – Kif Tonfoq Tajjeb

January 7, 2021
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ĠEMMA – Onfoq bil-Għaqal Featured on TVAM

January 4, 2021
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ONFOQ BIL-GHAQAL 2020 – 5 RECIPES FOR YOU

December 23, 2020
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CBM cooperates with ĠEMMA to promote financial literacy

November 18, 2020
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Press Release – August Pulse Survey

October 21, 2020
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Pandemic has made people more cautious about spending, survey shows

October 14, 2020
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GEMMA Fun Book Education Competition

October 9, 2020
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ĠEMMA Webinar on being Self-employed

October 2, 2020
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Hon Michael Falzon inaugurates students exhibition for GEMMA initiative

September 24, 2020
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ĠEMMA poster competition – Featured on in-Nazzjon

September 23, 2020
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ĠEMMA poster competition – Featured on The Sunday Times

September 20, 2020
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ĠEMMA poster competition – Featured on l-Orizzont

September 16, 2020
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Minister Micheal Falzon announcing ĠEMMA competition

August 10, 2020
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MOU with Bank of Valletta and Mapfre MSV Life on Financial Capability Education

July 20, 2020
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ebook on scams and fraud – Featured on MaltaToday

May 23, 2020
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OECD survey on financial literacy in Malta

January 2, 2019
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