With the Lifetime Private Pension Scheme, Calamatta Cuschieri clients can plan ahead for a steady retirement income with greater flexibility, growth and security. A top-up of up to €150 will be added to your plan when starting a new plan until 31st December 2022. 

The Lifetime Private Pension Scheme allows clients to invest in their future with monthly contributions and is in line with pension legislation offering a tax rebate of up to €750 per annum for individuals who contribute up to €3000 per year towards their retirement. You can also choose to start with a smaller contribution, as little as €40 per month, and still benefit from a pro-rata tax rebate, as well as our offer.  

CCGM’s private pension scheme comes with a number of benefits. As a tax-efficient solution, investors can look forward to the tax-free growth of their pension pot due to a yearly 25% tax credit. Clients are eligible to take a 30% tax-free lump sum with their retirement, while the remaining balance can be relied upon to provide a steady income. 

Investments in the Lifetime Pension Scheme are expertly and conservatively managed by Calamatta Cuschieri’s experienced investment managers, who will invest the beneficiary’s savings in a diversified portfolio of stocks, bonds and funds for more secure gains and maximised growth.  

The scheme allows for greater flexibility with clients setting the limit for their monthly contributions. The Lifetime Pension Scheme also comes with the option of passing on the accumulated savings to other beneficiaries in the event of death for added financial security. 

While the Lifetime Pension Scheme is offered at the best price on the market, it is also worth noting that currently, the multi-year market lows provide prospective clients with an attractive entry point for a profitable pension plan. 

The Lifetime Private Pension Scheme is provided by CCGM Pension Administrators Ltd and is approved as a Personal Retirement Scheme, authorised by the MFSA. 

For more information, clients are invited to visit the following link


The Lifetime Pensions Private Pension Scheme (“Scheme”) is licensed and regulated as a Personal Retirement Scheme by the MFSA and administered by CCGM Pensions Administrators Ltd (“CCGM”). The MFSA Licence of the Scheme is not an endorsement by the MFSA of the Scheme’s financial performance. The value of the Scheme and its underlying investments may fall as well as rise and past performance is not a guide to future performance. There exists no statutory provision for compensation in the event that the Scheme is unable to satisfy the liabilities attributable to it. Prospective Members are urged to consult their financial advisor prior to making any decision in relation to any retirement planning. 

Applications in the Scheme may only be made on the basis of the Scheme Particulars that are available from the offices of the CCGM Pension Administrators (“CCGM”) at Ewropa Business Centre, Triq Dun Karm, Birkirkara, BKR 9034 or by visiting our website www.ccgm.com.mt. CCGM is licensed by the MFSA as a Retirement Scheme Administrator under the Retirement Pensions Act, Cap 514.