The Government of Malta is issuing €300 million in Malta Government Stocks, available across the two stocks listed below. Should demand exceed the amount on offer, the Accountant General may increase the issue by up to a further €200 million through an over-allotment option. 

4.25% Malta Government Stock 2046 

This stock is being issued at €100 with a yield to maturity (YTM) of 4.2497%, which corresponds to an annualised rate of 4.2949%.

Investors will receive interest every six months, with payments scheduled for 14 March and 14 September each year. Since the stock is issued on 3 August 2026, the first interest payment will be made on 14 September 2026 and will amount to 0.485054%, reflecting the interest earned from the issue date until 13 September 2026. 

3.80% Malta Government Stock 2036 

The stock is being issued at €100 with a yield to maturity (YTM) of 3.7997%, which corresponds to an annualised rate of 3.8358%.

Investors will receive interest every six months, with payments scheduled for 8 January and 8 July each year. Since the stock is issued on 3 August 2026, the first interest payment will be made on 8 January 2027 and will amount to 1.631522%, reflecting the interest earned from the issue date until 7 January 2027. 

Applications 

Applications are now open for retail investors and will close at 14:30 on Wednesday, 29 July 2026, or earlier at the discretion of the Accountant General. Given the potential for strong investor demand, interested investors are encouraged to submit their applications as early as possible during the offer period. 

Prospective investors are requested to read the Offering Circular issued by the Ministry of Finance. 

Retail investors may apply for the Malta Government Stocks in multiples of €100, up to a maximum nominal investment of €499,900 per applicant. 

How to apply 

If you are considering participating in this Malta Government Stock Issue, we recommend funding your account via bank transfer using your dedicated IBAN.  Your IBAN details are available on the Moneybase platform, as well as on your portfolio and statement reports. Alternatively, you can add funds to your account instantly by card through the Moneybase app.   

There are no application fees associated with subscribing to this Issue. 

Customers may apply through the following channels: 

Online 

Applications can be submitted through the Moneybase platform, available on iOS, Android, and web. To apply, search for the stock you want to invest in within the platform and complete your application in just a few steps. 

4.25% Malta Government Stock 2046

3.80% Malta Government Stock 2036 

Advisory 

Clients seeking investment advice or personalised assistance may contact their financial advisor or visit any of our branches located in Birkirkara, Mosta, Sliema and Fgura. 

Our advisory teams will be available throughout the application period to guide clients through the subscription process and answer any queries they may have. 

Our ISO-certified Customer Care team is available 7 days a week. Clients can get in touch via in-app live chat or by calling on +356 25 688 688. 

Calamatta Cuschieri Investment Services Limited is a member of the Maltese Investor Compensation Scheme. Instruments entrusted with us are covered under the Scheme in line with the Investor Compensation Scheme Regulations (S.L. 370.09). 

The information contained in this article is provided strictly for information purposes and does not constitute, nor should it be interpreted as, an offer, invitation, recommendation or solicitation to buy, sell or subscribe to any financial instrument or investment product. The information presented may be amended without prior notice and does not constitute investment advice, investment research or a guarantee of future returns or performance. 

Prospective investors are encouraged to read the applicable terms and conditions, Prospectus and offering documentation in full before making any investment decision. Investors should be aware that investments in financial instruments involve risks, including the possible loss of part or all of the capital invested, particularly in the event of default, insolvency and/or bankruptcy of the issuer. 

The financial instruments referred to herein are intended for retail clients; however, they may not be suitable or appropriate for all investors. Investors should make their own independent assessment and seek independent professional advice regarding the suitability and appropriateness of any investment, taking into account their individual investment objectives, financial situation and risk tolerance. 

The value of investments and any income derived therefrom may fluctuate and can go down as well as up. Past performance is not a reliable indicator or guarantee of future performance. Where investments are denominated in a currency other than the investor’s base or reporting currency, changes in foreign exchange rates may adversely affect the value and/or returns of the investment. 

Calamatta Cuschieri Investment Services Ltd, company registration number C13729, is licensed by the Malta Financial Services Authority to conduct investment services business under the Investments Services Act, Cap 370.

Cashback is calculated on card spending each week and credited directly to the customer account every Monday. It applies to everyday card purchases made locally and abroad, including online, contactless and chip and PIN. 

Moneybase customers can earn 0.75% and up to €15 per month in cashbacks, and the offer is available to all Maltese residents. 

“As we continue to grow, I would like to thank our clients for their continued support. Once again, we are happy to offer our customers even more value combined with a trusted and premium service” said Alan Cuschieri, Co-CEO at Calamatta Cuschieri Moneybase and founder of Moneybase. 

All Maltese residents are automatically enrolled and will begin earning cashbacks immediately. 

For more information and the terms visit moneybase.com.

Terms and Conditions apply. Payment services are brought to you by Moneybase Limited (C87193), which is licensed by the MFSA to operate as a Financial Institution in accordance with the Financial Institutions Act (Cap. 376). The company is a subsidiary of Calamatta Cuschieri Moneybase plc and is registered at Level 0, Ewropa Business Centre, Dun Karm Street, Birkirkara BKR 9034, Malta. Moneybase is a program Manager with Mastercard, your Moneybase card is provided by Moorwand Ltd (FCA Reference No 900709), a Principal member of Mastercard International Incorporated. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated. 

The integration between Xero and Moneybase is designed to simplify how businesses manage their financial data, removing the need for manual uploads, and helping ensure records remain accurate and up to date. 

“We are particularly excited to bring this new integration and partnership with Xero to the market. Keeping accounting records up to date remains a costly challenge for many businesses and with this integration we are enabling financial data to flow directly from Moneybase into Xero. This is yet another milestone towards building a more connected platform where businesses can manage their financial operations more efficiently.” said Alan Cuschieri, CEO at Moneybase. 

Businesses can connect their Moneybase Business account to Xero and automatically sync their account statements, making reconciliations easier and improving consistency across financial records, facilitating the work of company accountants. 

This marks the latest step in the evolution of Moneybase Business, as the platform continues to expand its ecosystem to empower companies to manage their finances seamlessly. Moneybase Business supports businesses to manage global payments, corporate cards and exchange currencies as well as providing liquidity management within a single platform. 

The Xero integration is available for all Moneybase Business users, and they can start syncing their accounts from today. Customers wishing to make use of the 90% discount on Xero may find out more on by following this link. 

Moneybase Limited (C87193) is licensed by the MFSA to operate as a Financial Institution in accordance with the Financial Institutions Act (Cap. 376). Calamatta Cuschieri Investment Services Ltd (C13729) is licensed by the MFSA to carry out investment services business in terms of the Investment Services Act (Cap. 370). The companies are subsidiaries of Calamatta Cuschieri Moneybase plc and have their registered office at Level 0, Ewropa Business Centre, Dun Karm Street, Birkirkara BKR 9034, Malta. 

Many people tend to solely rely on the pension provided by the government, only to realise way too late that it will not be sufficient to retain their desired lifestyle after their retirement. A private pension plan is the smartest way to keep your current financial liberty and maintain your standard of living during retirement. 

The government pension may not be enough 

While the government pension provides a basic income during retirement, it is often insufficient to cover the rising costs, such as water, electricity, groceries, and personal expenses essential to maintain your lifestyle. 

By supplementing your pension with a private pension plan, you can ensure a more comfortable and stress-free retirement.  

When should you start planning for retirement?

The earlier, the better! Starting a pension plan early allows you to make more contributions and benefit from compound interest, meaning your savings grow significantly over time.  

However, it’s never too late to start. Whether you’re in your 20s or your 50s, making smart financial decisions will set you up for a more financially equipped future. 

The benefits of a private pension plan

Financial security and stability: A well-structured pension plan gives you peace of mind by offering you a reliable income stream when you stop working, with less dependence on the state pension. 

Tax credit: Claim 25% of the premiums allocated to the pension sub-account as a tax credit against income tax chargeable during the year.

Lump sum upon retirement: Receive a 30% tax-free lump sum along with the remaining balance upon retirement. 

Compounding investing: The returns generated on your pension plan are reinvested, creating a snowball effect. Compounding benefits long-term investments by generating returns on both the original principal invested as well as the accumulated interest from previous periods, thereby multiplying your initial investment exponentially over the long term. 

Pound-cost averaging: Pound-cost averaging is a strategy where you invest a fixed amount regularly instead of putting in a large lump sum all at once. This approach means you purchase fewer units when prices are high and more when prices are low, helping to smooth out the overall cost of your investment over time. 

Protection against inflation: As the cost of living continues to rise, relying solely on the government pension may be challenging to keep up with inflation. A private pension provides an additional cushion to have greater financial power in retirement.  

A plan you control: Unlike the government pension, which is dependent on government policies and economic conditions, a private pension plan puts you in control. You decide how much to contribute, how to invest with our guidance, and when to withdraw your funds, giving you more flexibility.  

Maintain your lifestyle: A private pension plan helps bridge the gap between the government pension and the income you need to sustain your current lifestyle. Whether it’s travel, hobbies, or simply living comfortably, planning for retirement now ensures you won’t have to compromise later. 

Start today with our December offer on private pension plans

With our new limited-time offer, we’ll double your first contribution, up to a maximum of €250, when you start your private pension plan. This applies to private pension plans started during December 2025. 

Start planning for your retirement today with a long-term savings plan designed to help you save for your retirement:

• A 30% tax-free lump sum along with the remaining balance 

• A tax-efficient and flexible pension plan 

• Saving regularly for your retirement with just a minimum of €25 a month 

• 25% of allocated premiums may be claimed as a tax credit against income tax chargeable during the year

• Appointment of multiple beneficiaries to receive your pension pot when you pass away 

• Pension plan managed by professionals with decades of experience, targeting greater returns on your investments 

Disclaimer: Money invested within the Pension Sub-Account may be eligible for a tax-credit and will not be accessible before the age of 61. Eligibility for tax credits on your contributions depends on your tax status. Such tax credits depend on individual circumstances and their amounts together with Maltese tax legislation may change in the future. The investment value may go down as well as up and could also be affected by changes in currency exchange rates. You may lose some or all of the money invested. 

Charges will apply should you Surrender the Access Sub-Account or Transfer the Pension Sub-Account before the Retirement Date. Your decision to invest in this product should be based on the full details within product documentation which may be accessed through www.cc.com.mt. This Product is manufactured by IVALIFE Insurance Ltd and distributed by Calamatta Cuschieri Investment Services Limited.  

Calamatta Cuschieri Investment Services Limited (C 13729) is authorised under the Insurance Distribution Act, Cap 487, to act as an enrolled Tied Insurance Intermediary for IVALIFE Insurance Limited (C 99404). IVALIFE is authorised under the Insurance Business Act, Cap 403 to carry out long term business in Malta. Both entities are authorized and regulated by the Malta Financial Services Authority. 

• 3.80% Malta Government Stock 2040 (II) at €100 with a YTM of 3.7996%, which corresponds to an annualised rate of 3.8357%, and 

• 3.40% Malta Government Stock 2035 (IV) at €100 with a YTM of 3.4000%, which corresponds to an annualised rate of 3.4289%

The Accountant General is offering an aggregate nominal amount of €250,000,000 in any combination of the above Stocks subject to an over-allotment option of €150,000,000 in the event of over-subscription.  

How to Apply:  

There are no fees to apply. Both nominee and non-nominee orders are free of charge. 

Online 
If you wish to apply online ensure your account is funded to be able to raise the order easily. Moneybase is available as an app on both Android and IOS app stores and on the web. 

Advisory 
Clients who wish to seek financial advice or who prefer to speak to their financial advisor can visit one of our branches (Birkirkara, Mosta, Sliema and Fgura), send an email, call us at +356 25 688 688, or fill in this contact form. 

If you are interested in participating in this issue and need to fund your account, we strongly recommend that you fund your account using the IBAN provided on your account for fast straight-through processing. This can be found easily on your portfolio and statement reports or on our online portals. Please get in touch with customer care if you are unable to locate this. 

If you need assistance our ISO-certified customer care team is available to assist 7 days a week. 

Calamatta Cuschieri Investment Services Ltd is a member of the Maltese Investor Compensation Scheme (“Scheme”). Instruments entrusted with us are covered under the Scheme in line with the Investor Compensation Scheme Regulations (S.L. 370.09). 

The value of the investment can go down as well as up. Prospective investors wishing to subscribe to the bonds should make their own assessment and carefully consider the Prospectus to fully understand the features of the investment and the potential risks and rewards associated with the bonds and should seek the assistance of a financial advisor if in doubt. This advertisement was approved for issue by Calamatta Cuschieri Investment Services Limited, which is licensed to undertake investment services in Malta by the MFSA under the Investment Services Act, Cap 370. CCIS, Ewropa Business Centre, Triq Dun Karm, Birkirkara BKR 9034, Malta. 

CCFunds has launched a limited-time offer on three distinct strategy funds – Income, Balanced, and Growth, each tailored to different goals and risk levels. For a limited time, you don’t have to pay any initial fees when you invest in any of these funds. It’s your opportunity to take the first step toward your financial goals, your way. 

Why invest with CCFunds? 

With over 45 years of investment experience, CCFunds is a trusted partner in helping investors grow and protect their money. The three strategy funds are actively managed by experts monitoring changing market conditions and based on a diversified portfolio to mitigate risk.  

Every fund is designed for a different investment strategy. 

For steady income: Income Strategy Fund 

The Income Strategy Fund is designed to generate returns by investing in a diversified selection of income-producing assets. It’s an ideal choice for investors with a medium to long-term outlook with a moderate level of risk tolerance.  

For ambitious investing: Growth Strategy Fund 

The Growth Strategy Fund is built for investors who seek greater long-term capital appreciation and have a higher risk profile.  

For stability & growth: Balanced Strategy Fund 

You might want the best of both worlds. The Balanced Strategy Fund combines equities and bonds through collective investment schemes to offer a well-diversified portfolio and spread out the risk. It aims for steady long-term capital growth with balanced exposure to risk.  

Comparison of CCFunds Strategy Funds

Limited-time offer on CCFunds Strategy Funds 

This is the perfect opportunity for you to start investing while benefiting from a limited-time offer. If you invest in one or more of these three strategy funds, you don’t have to pay any initial fees, to give you a head-start!  

This offer is available until the end of August 2025.  Terms & Conditions apply.

How to find the Strategy Funds on Moneybase

1. Open the Moneybase app and tap on the invest section at the bottom menu 
2. Tap on the ‘Search Instrument’ bar and type CC Income Strategy Fund, CC Balanced Strategy Fund, or CC Growth Strategy Fund 
3. Click on the fund you want to invest in and tap on ‘Buy’ at the bottom 
4. Enter the amount you wish to buy and place the order 
5. Review the order details and tap on ‘Buy’  

Terms & conditions apply. Offer valid till 31/08/2025. Past performance is not a guarantee nor a reliable indicator of future performance. The value of your investment may go down as well as up. Prospective investors should make their own research before making any investment decisions and should consider whether they fully understand the associated risks and should seek the assistance of a financial advisor if in doubt. Please refer to the prospectus of the UCITS and to the Key Information Document, available on https://www.ccfunds.com.mt or at the address below, before making any final investment decision.  

This advertisement was approved for issue by Calamatta Cuschieri Investment Services Limited, which is licensed to undertake investment services in Malta by the MFSA under the Investment Services Act, Cap 370. CCIS, Ewropa Business Centre, Triq Dun Karm, Birkirkara BKR 9034, Malta.  

The rise of high-net-worth individuals in Malta

“In the past ten years, we’ve seen a substantial rise in high-net-worth clients, both Maltese and foreign, many of whom are either residents or operate businesses in Malta. Many of them have experienced liquidity events from property sales, while others are entrepreneurs drawing increased dividends from their businesses,” says Mr Calamatta.  

He also points to the growing number of mergers and acquisitions, particularly in technology and traditional services sectors, as catalysts for new wealth seeking strategic investment opportunities. 

With two decades of experience in the industry, Nick has witnessed profound shifts in investor behaviour.  

A new Era of investor sophistication

“When I first started my career, local clients were generally reluctant to delegate portfolio management, but that has changed. Today, many investors recognise the value of a dedicated wealth management team that can respond swiftly to changing market conditions.”  

“As a result, the growing sophistication of Malta’s investor base is now closely aligned with broader European trends, and as clients became more informed about global economic dynamics and different asset classes, demand has grown for strategies beyond the traditional investments and into areas such as private equity, private debt, and alternative investment avenues.” 

Global trends confirm local behaviour shifts

This sophistication is part of a wider global pattern. According to the Avaloq Wealth Insights 2024 report, 62% of investors now prefer a self-directed approach, with 36% adopting more aggressive strategies.  

Asked how Calamatta Cuschieri is responding to these shifts, Nick highlighted the importance of adaptability and flexibility. 

“At Calamatta Cuschieri, through our digital arm Moneybase, we’ve invested heavily in building an ecosystem that caters to all types of investors. Through our platform, clients can self-direct their portfolios – buying equities, ETFs, or bonds, whether they’re managing a few thousand euros or millions. Simultaneously, our discretionary services allow clients to set broad parameters while our team manages the day-to-day portfolio decisions.” 

Currently managing approximately €650 million in assets, the wealth management team offers another option for those who want more engagement: a tailored service involving close collaboration with a dedicated private client manager.  

“Some clients want to be more involved in strategy and trade execution. Others prefer to hand it all over. We make space for both.” 

At the core of the firm’s bespoke wealth management is a deep understanding of each client’s overall financial picture.  

“We begin by evaluating the full composition of their wealth – liquid assets, property, company shares, and how this intersects with their personal goals and life stage. Then, we assess their risk profile and investment expectations. It’s a process that often unfolds over several meetings.”  

Clients are never pressured to engage beyond their comfort level. Many choose to delegate investment decisions entirely to the firm. For those who prefer greater control, the firm integrates precise instructions into their strategies by limiting exposure to certain sectors, currencies, or even specific companies. 

“We’ve seen a clear increase in equity ownership, something local investors were slower to embrace compared to their European counterparts. At the same time, property continues to dominate local wealth composition. That’s not necessarily a bad thing, considering how the local real estate has performed and the limited space on the island. However, many clients are also divesting, either to free up liquidity or for estate planning.” 

Mr Calamatta points out a major demographic shift reshaping the wealth management landscape: generational wealth transfer. As baby boomers pass down assets to Gen X and millennials, wealth managers must cater to a new set of expectations, particularly around sustainability and digital innovation. 

“We are always monitoring global trends and local shifts. ESG had a moment of intense interest, especially with regulatory backing, but we’ve seen a cooling-off in that space. Investors are still concerned with ethics and sustainability, but perhaps in a more nuanced way now. Digital assets, on the other hand, are increasingly being regulated across Europe. The introduction of EU-wide frameworks similar to MiFID gives us hope for more mainstream, protected adoption.” 

Given Calamatta Cuschieri’s roots as a family-founded firm, does that heritage help build trust with multi-generational clients?  

There is no doubt that Calamatta Cuschieri’s deep roots in providing honest and unbiased investment advice since the 1970s have earned us an excellent reputation in the market. Calamatta Cuschieri has never been a sales-oriented firm and has grown organically by helping people grow their wealth in an honest and transparent way. This is something that has been recognised locally across generations. Acting with utmost integrity and in the best interests of the clients is fundamental when it comes to trust; however, what also matters is governance. We happen to be second-generation CEOs, but the group operates through multiple arms, each with its management team. What also builds trust is consistent governance, compliance, risk management, and professionalism across all departments, from IT to finance to wealth advisory.” 

What is the role of technology in the transformation of wealth management? 

“We’ve embedded Moneybase into our wealth management service. Our clients can view real-time data, switch between self-directed and managed accounts, download reports, make payments, and use their Moneybase Mastercard – all within one ecosystem. That kind of seamless digital experience is essential today.” 

Asked what makes wealth management effective for today’s high-net-worth clients, Nick highlights risk management, disciplined research, proprietary valuation models, and timely decisions.  

“But none of that matters if clients don’t trust you. That trust is built through transparency, fair pricing, consistent communication, and delivering on your promise to protect and grow their wealth.” 

Disclaimer: This public relations campaign was approved for issue by Calamatta Cuschieri Investment Services Limited (CCIS), C13729, which is licensed by the MFSA to undertake investment services business under the Investment Services Act, Cap 370. CCIS’ registered address is at Level 0, Ewropa Business Centre, Dun Karm Street, Birkirkara, BKR 9034, Malta. The value of your investments may go down as well as up.   

Episode 6: Earnings, Equities & Economic Shifts 

In our sixth episode, the hosts explore major developments that are reshaping financial markets: 

Global Tariffs & Market Reactions – How recent US-imposed tariffs triggered sharp volatility, pushing markets into intraday bear territory before rebounding. 

Tech Sector Reset – Why high valuations led to steep declines in AI stocks like Nvidia, and how the team identified new entry points. 

Earnings Season Takeaways – US banks shine while Tesla stumbles; Meta, Amazon and Google post strong growth amid AI investments. 

Interest Rates & Currencies – The outlook for Fed and ECB rate cuts, the euro-dollar exchange dynamics, and the US credit downgrade. 

Stock Picks & Portfolio Positioning – From Spotify and Uber to cybersecurity names like CyberArk and broader ETFs, the team highlights key opportunities. 

Listen to episode 6 and subscribe to the FinFocus podcast

Listen on Spotify

Watch on YouTube

Make sure to subscribe so you never miss an episode. Stay tuned for more expert analysis, investing insights, and market updates in the next episode of FinFocus Podcast. 

What is the FinFocus Podcast? 

Hosted by Alan Cuschieri, Alex Cuschieri, and Jordan Portelli, the FinFocus Podcast breaks down financial topics into actionable insights, helping both seasoned investors and newcomers make informed decisions. Each episode covers key developments in global markets, disruptive technologies like AI, and top investment opportunities. We highly suggest staying up-to-date by subscribing on Apple Podcasts, Spotify or YouTube to be notified when a new episode is out. 

Why follow the FinFocus podcast? 

The financial world moves fast, and keeping up with trends, risks, and opportunities is crucial. Whether you’re a professional investor or just starting your journey, the FinFocus Podcast provides expert perspectives to help you make money simple and stay financially focused. 

How & where to invest? 

To invest in the stock market, you need a trading platform like Moneybase. If you’re confident enough and made your own informative research, you can use the Moneybase platform to trade from as low as €0.50 per trade and get a free trade per month on US exchanges. Download the Moneybase app now. 

If you’re looking for financial advice from experts at Calamatta Cuschieri, you can schedule an appointment with one of our advisors by calling on +356 25 688 688, or by visiting one of the Calamatta Cuschieri Moneybase branches in Fgura, Sliema, Birkirkara or Mosta. 

Podcast recorded on 20/05/2025. The information and opinions presented do not represent and shall not be construed as investment advice, recommendation, or inducement to buy or sell financial instruments. The information presented is general in nature and is not directed to any specific person, and is therefore provided to You on the express basis that it is not advice, and You may not rely upon it in making any investment decision. Investments in any financial instruments involve risks, You should make your own research before making any investment decisions and should seek the assistance of a financial advisor if in doubt. This information is provided for information and educational purposes only and take no account of the investors’ individual circumstances. No member of Calamatta Cuschieri Investment Services Limited accepts any liability whatsoever for any direct or consequential loss howsoever arising, directly or indirectly, from any use of the information or opinions contained herein.  

Calamatta Cuschieri Investment Services Limited (CCIS), C13729, is licensed by the MFSA to undertake investment services business under the Investment Services Act, Cap 370. CCIS’ registered address is at Level 0, Ewropa Business Centre, Dun Karm Street, Birkirkara, BKR 9034, Malta. The information presented shall not be reproduced, redistributed, or copied in whole or in part for any purpose. 

We’re happy to bring back our much-awaited cashback offer, in collaboration with Mastercard! A simple and easy way to earn money by spending it! 

How to earn the weekly cashback 

Use your Moneybase Mastercard to make 6 or more transactions totaling €150 or more per week. On Monday, you will receive a €10 cashback! It’s as simple as that, just hit the weekly target. The cashback campaign starts from the 1^st April 2025 until September. 

Remember that your Moneybase Mastercard can be added as a virtual card to be used on Google Pay, Apple Pay, Garmin Pay and Xiaomi Pay. When you use your Moneybase Mastercard for payments you’ll also benefit from the best foreign exchange rate! 

The more reasons to use your Moneybase Mastercard 

• Earn Up to €210 in Total – This campaign isn’t just a one-time perk, you can earn cashback every single week! With a total of 21 cashback opportunities, you have the chance to accumulate up to €210 just by using your Moneybase Mastercard for your regular spending. 

• Save when travelling – Whether you’re shopping internationally or traveling abroad, the Moneybase Mastercard helps you save with the ultra-competitive currency exchange rates. Pay directly in 13 major currencies and avoid unnecessary fees. 

• Best-in-Class Security – Enjoy peace of mind with advanced security features. View your PIN directly in the app, freeze or block your card instantly, and receive real-time push notifications for every transaction – so you’re always in control of your money. Lost a card? Freeze it and order a virtual one for free to keep spending! 

• Exclusive Mastercard Travel Offers – Beyond cashback, your Moneybase Mastercard gives you access to exclusive travel discounts and special offers from top brands like easyJet, Booking.com, Heathrow Express, Rentalcars.com and more. Enjoy even more benefits while you travel, and explore! 

Get started with Moneybase 

If you’re not using Moneybase for your daily payments yet, now is the perfect time to start! Download the Moneybase app today and order your free virtual or physical card for easy and seamless payments both locally and globally. Plus, gain access to a variety of online investment opportunities and exchange between 24 currencies at some of the most competitive exchange rates in Malta. 

If you need assistance, speak to us through our in-app chat or contact us on +356 25 688 688, our ISO certified customer support team is available 7 days a week.     

Terms and conditions apply. Visit moneybase.com for more information. Moneybase Limited (MB) C 87193 is licensed by the  MFSA to transact the business of a Financial Institution in terms of the Financial Institutions Act, Cap 376. MB is a subsidiary of the Calamatta Cuschieri Moneybase plc, Level 0, Ewropa Business Centre, Dun Karm Street, Birkirkara BKR 9034, Malta. Moneybase is a program Manager with Mastercard, your Moneybase card is provided by Moorwand Ltd (FCA Reference No 900709), a Principal member of Mastercard International Incorporated. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated. 

What is the FinFocus Podcast ?

Hosted by Alan Cuschieri, Alex Cuschieri, and Jordan Portelli, the FinFocus Podcast breaks down financial topics into actionable insights, helping both seasoned investors and newcomers make informed decisions. Each episode covers key developments in global markets, disruptive technologies like AI, and top investment opportunities. We highly suggest staying up-to date by subscribing on Apple Podcasts, Spotify or YouTube to be notified when a new episode is out. 

Pilot 5: Market Volatility, AI Disruption & Smart Investing Strategies 

In our first episode, the hosts take a deep dive into the key themes shaping today’s financial markets: 

📉 Global Market Trends – What’s driving volatility across major indices? We discuss the latest market movements, including the performance of U.S., European, and Chinese equities, and what investors should watch out for in the coming months. 

🤖 AI & DeepSeek – Artificial intelligence continues to disrupt industries, but how does it impact investment strategies? We explore the rise of AI in financial markets, the effects of recent AI developments like DeepSeek, and why major tech stocks, including NVIDIA, are reacting strongly. 

📊 Investment Outlook – With European and Chinese equities showing strength while U.S. stocks face challenges, we share expert insights on what to expect in the upcoming quarter and how investors can position themselves for success. 

💡 Top Stock Picks – Market fluctuations create opportunities. We highlight key stocks offering strong entry points and discuss strategies for long-term value creation in today’s market environment. 

Listen to pilot 5 & subscribe to the FinFocus podcast

Spotify:  Click here to listen
Apple Podcasts: Click here to listen
Watch on YouTube: Click here to watch

Make sure to subscribe so you never miss an episode. Stay tuned for more expert analysis, investing insights, and market updates in the next episode of FinFocus Podcast. 

Why Listen to the FinFocus podcast ?

The financial world moves fast, and keeping up with trends, risks, and opportunities is crucial. Whether you’re a professional investor or just starting your journey, the FinFocus Podcast provides expert perspectives to help you make money simple and stay financially focused.  

How & where to invest ?

To invest in the stock market you need a trading platform like Moneybase. If you’re confident enough and made your own informative research, you can use the Moneybase platform to trade from as low as €0.50 per trade and get a free trade per month on US exchange. Download the Moneybase app now. 

If you’re looking for financial advice from experts at Calamatta Cuschieri, you can schedule an appointment with one of our advisors by calling on +356 25 688 688, or visit one of the Calamatta Cuschieri Moneybase branches in Fgura, Sliema, Birkirkara or Mosta, alternatively you . 

Disclaimer   

Podcast recorded on 12/03/2025. The information and opinions presented do not represent and shall not be construed as investment advice, recommendation, or inducement to buy or sell financial instruments. The information presented is general in nature and is not directed to any specific person, and is therefore provided to You on the express basis that it is not advice, and You may not rely upon it in making any investment decision. Investments in any financial instruments involve risks, You should make your own research before making any investment decisions and should seek the assistance of a financial advisor if in doubt. This information is provided for information and educational purposes only and take no account of the investors’ individual circumstances. No member of Calamatta Cuschieri Investment Services Limited accepts any liability whatsoever for any direct or consequential loss howsoever arising, directly or indirectly, from any use of the information or opinions contained herein.  

Calamatta Cuschieri Investment Services Limited (CCIS), C13729, is licensed by the MFSA to undertake investment services business under the Investment Services Act, Cap 370. CCIS’ registered address is at Level 0, Ewropa Business Centre, Dun Karm Street, Birkirkara, BKR 9034, Malta. The information presented shall not be reproduced, redistributed, or copied in whole or in part for any purpose.