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The Private Pension Scheme is a long-term savings scheme designed to help you save for your retirement by building a pot of money to be invested which will provide you with an income throughout your retirement.
The Lifetime Scheme was launched in-line with recently introduced pension legislation which offers a tax incentive of up to €750 per annum for individuals who contribute €3000 towards their retirement. The Lifetime Private Pension Scheme is an approved Personal Retirement Scheme authorised by the MFSA.
Any information provided about taxation is based on our understanding of current law and legislation. Future changes in law and taxation, or your own financial circumstances, could affect the treatment of the plan and the amount of tax payable. In order to ascertain your exact tax status, you should seek specific and professional tax advice in relation to your tax obligations under the Lifetime Pension Schemes.
Contributions are initially invested through the portfolio services of Calamatta Cuschieri Investment Management Ltd., however, these will be diversified to avoid the accumulation of risks in the portfolio as a whole. Calamatta Cuschieri Investment Management Limited is licensed under Category 2 of the Investment Services Act by the MFSA.
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Legal Information
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 which is licensed by the MFSA as a Retirement Scheme Administrator under the Retirement Pensions Act, Cap 514.
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