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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)
      • Building Your Retirement Nest Egg
        • What Factors should I consider before I decide to Invest in a Personal Pension Plan?
        • Retirement Calculator – Planning Financially
      • 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
        • Going for a Personal Pension Plan: What You Should Look for in a Personal Pension Plan
    • Your Social Security Pension
      • What is the Social Security contribution scheme?
        • Social Security Contributions
        • Contributory Benefits
        • 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.
      • Number Contributions You must Pay to Qualify for a Full Pension
        • Your Pension if you are an Employee according to Year of Birth
          • BORN BETWEEN 1959 AND 1961 AND WORKED AS AN EMPLOYEE AND SELF-EMPLOYED
          • BORN BETWEEN 1956 AND 1958 AND WORKED AS AN EMPLOYEE AND SELF-EMPLOYED
          • BORN BETWEEN 1952 AND 1955 AND WORKED AS AN EMPLOYEE AND SELF-EMPLOYED
          • BORN ON AND BEFORE 1951 AND WORKED AS AN EMPLOYEE AND SELF-EMPLOYED
          • BORN ON AND AFTER 1969 AND ARE IN EMPLOYMENT OR WORKING AS A SELF-EMPLOYED PERSON
          • BORN BETWEEN 1962 AND 1968 AND ARE IN EMPLOYMENT OR WORKING AS A SELF-EMPLOYED PERSON
        • Assessment of Benefit Claims and the new Pensions Reform
        • Finding out what your Pension Income is on Retirement
        • How your Pension is Calculated
      • 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
      • BREXIT and Social Security Provisions until 31.12.2020
      • 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
  • Pensions
  • Managing your money
  • Videos
    • All Videos
    • Videos: Ben Camille Stories
    • Videos: Bagitjar u Ppjanar
    • Videos: Recipes
    • Videos: Media Appearances
  • Resources
    • Competitions
    • ebooks
    • ĠEMMA Activities
    • Featured Content
    • Fun
    • Infographics
    • Posters & Artwork
    • Radio Clips
    • Reference Sites
    • Teachers & Parents
    • Tools
    • Webinars

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  • English
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)
      • Building Your Retirement Nest Egg
        • What Factors should I consider before I decide to Invest in a Personal Pension Plan?
        • Retirement Calculator – Planning Financially
      • 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
        • Going for a Personal Pension Plan: What You Should Look for in a Personal Pension Plan
    • Your Social Security Pension
      • What is the Social Security contribution scheme?
        • Social Security Contributions
        • Contributory Benefits
        • 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.
      • Number Contributions You must Pay to Qualify for a Full Pension
        • Your Pension if you are an Employee according to Year of Birth
          • BORN BETWEEN 1959 AND 1961 AND WORKED AS AN EMPLOYEE AND SELF-EMPLOYED
          • BORN BETWEEN 1956 AND 1958 AND WORKED AS AN EMPLOYEE AND SELF-EMPLOYED
          • BORN BETWEEN 1952 AND 1955 AND WORKED AS AN EMPLOYEE AND SELF-EMPLOYED
          • BORN ON AND BEFORE 1951 AND WORKED AS AN EMPLOYEE AND SELF-EMPLOYED
          • BORN ON AND AFTER 1969 AND ARE IN EMPLOYMENT OR WORKING AS A SELF-EMPLOYED PERSON
          • BORN BETWEEN 1962 AND 1968 AND ARE IN EMPLOYMENT OR WORKING AS A SELF-EMPLOYED PERSON
        • Assessment of Benefit Claims and the new Pensions Reform
        • Finding out what your Pension Income is on Retirement
        • How your Pension is Calculated
      • 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
      • BREXIT and Social Security Provisions until 31.12.2020
      • 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
  • Pensions
  • Managing your money
  • Videos
    • All Videos
    • Videos: Ben Camille Stories
    • Videos: Bagitjar u Ppjanar
    • Videos: Recipes
    • Videos: Media Appearances
  • Resources
    • Competitions
    • ebooks
    • ĠEMMA Activities
    • Featured Content
    • Fun
    • Infographics
    • Posters & Artwork
    • Radio Clips
    • Reference Sites
    • Teachers & Parents
    • Tools
    • Webinars

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

  • English

Videos

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ĠEMMA - MONEY MONSTERS Documentary
play
ĠEMMA - Single Parents
play
ĠEMMA - Separated and Divorced
play
ĠEMMA - Widows
play
ĠEMMA Webinar - Creating a more financially capable workforce
play
ĠEMMA - Ben Camille - Credit Cards
play
ĠEMMA - Ben Camille - Frauds & Scams
play
ĠEMMA Webinar - Understanding the Pensions System for those born in and after 1962
play
Money Monsters - Ms. Joanne Zammit explains the application of Money Monsters in lessons
play
Money Monsters - Financial capability gamification competition
play
Money Monsters - Valerija Holomjova speaks about her experience
play
The ĠEMMA Pulse Survey on Household Money Management: One year on…
play
GEMMA - Ben & Destiny Discussing Money Management
play
ĠEMMA - Persons in First Employment
play
Money Monsters - Demo
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