PensionLens Malta is an educational calculator only. The website
and its calculations provide general information and must not be relied on as
financial, investment, pension, tax, accounting, legal or other professional advice.
No personal or regulated advice
Nothing on this website is intended to constitute investment advice, a personal
recommendation or any other regulated investment service under Malta's Investment
Services Act (Cap. 370). The calculator does not assess your personal circumstances,
financial position, objectives, knowledge, experience, risk tolerance or ability to
bear losses. It is not a retirement scheme, retirement scheme administrator or
pension provider and does not purport to provide services regulated under Malta's
Retirement Pensions Act (Cap. 514).
No offer, endorsement or affiliation
Nothing on this website constitutes an offer, invitation, solicitation or
recommendation to enter into, continue, change, transfer or terminate any pension,
investment, insurance or other financial product. PensionLens Malta is independent
and is not affiliated with, approved by or endorsed by the Government of Malta, the
Malta Tax and Customs Administration, the Malta Financial Services Authority or any
pension provider.
Illustrative calculations only
Results depend on the information you enter and on simplified modelling assumptions.
Returns are not guaranteed. Actual investment performance, fees, charges,
deductions, contribution timing, fee-collection methods, withdrawal restrictions and
product terms may differ materially from the model. The calculator does not model
every charge or every feature of a pension product, and no result should be
interpreted as a forecast, promise or guarantee of future value or savings.
Tax treatment can differ
Tax calculations are illustrative and currently reflect the Malta pension tax-rebate
assumptions stated in the Methodology. Tax law, administrative practice and personal
eligibility can change. Your entitlement to a rebate depends on your own
circumstances, including the applicable scheme and sufficient Maltese income tax
chargeable. PensionLens Malta does not guarantee that you qualify for, can use or
will receive any tax rebate.
Check the product and seek professional advice
Before making a financial decision, read the pension provider's official scheme and
product documentation, including the applicable risks, fees, charges and withdrawal
terms. Verify that any provider or adviser you use is appropriately authorised where
required, and consider obtaining advice from a suitably qualified and appropriately
licensed or authorised financial professional, as well as independent tax or legal
advice for your circumstances.
No warranties
The website is provided on an “as is” and “as available” basis. To the fullest
extent permitted by applicable law, no representation, warranty or guarantee is made
that the website, its assumptions, calculations or information are accurate,
complete, current, error-free, continuously available or suitable for any particular
purpose.
Limitation of liability
To the fullest extent permitted by Maltese law, the creator and contributors of
PensionLens Malta shall not be liable for any loss or damage arising from or
connected with use of, inability to use, or reliance on the website or its
calculations, including financial or investment losses, lost returns, tax
liabilities or decisions made using the tool. Nothing in this disclaimer excludes or
limits any liability or mandatory right that cannot lawfully be excluded or limited.
Governing law
This disclaimer and any dispute arising from or connected with the use of this
website are governed by and construed in accordance with the laws of Malta. The
courts of Malta shall have exclusive jurisdiction.
The MFSA distinguishes general information from personal investment advice and
recommends understanding a retirement product's risks, costs and terms before making
a commitment.