Thinking about a solid financial plan besides your government pension to sustain your lifestyle in the future? A private pension plan is a long-term savings plan designed to help you save for retirement by building a pot of money to provide additional income during retirement.

December offer on private pensions

Start your private pension plan during December 2025, and we’ll double your first contribution, up to a maximum of €250. 

Here’s how this works: 

  • If you start a private pension plan with a monthly contribution of €25, we’ll add another €25 from our end.  
  • If you start a private pension plan with a monthly contribution of €250, we’ll add another €250 from our end.  
  • If you start a private pension plan with a monthly contribution of €300, we’ll add another €250 from our end. 

This offer is valid for private pension plans starting in December 2025.

Main benefits

Lump sum upon retirement

Receive a 30% tax free lump sum, with the remaining balance providing yourself with an income throughout your retirement.

Tax-efficient

Put your money to work, with a tax-efficient and flexible pension plan.

Regular savings

Start saving for your retirement with just a minimum of €25 a month.

Tax credit

25% of the premiums allocated to the pension sub-account may be claimed as a tax credit against income tax chargeable during the year.

Management

Your pension pot will be managed conservatively by experienced professionals.

Beneficiaries

Pass on your pension pot to loved ones upon your death.

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    Downloads

    Key Features Document

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    December 2025 Offer Terms & Conditions

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    Key Information Document - Conservative Strategy

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    Key Information Document - Balanced Strategy

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    Key Information Document - Adventurous Strategy

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    Legal Information

    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.

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