Why should you start saving up for your Pension?

Mapfre Msv Life p.l.c. is the leading provider of Personal Pension Plans in Malta, offering two types of Personal Pension Plans, both of which are qualifying schemes eligible for the tax incentives that the government provides to encourage individuals to save voluntarily for their retirement. One of the distinguishing features of the Mapfre MSV Life Personal Pension Plans is the wide range of investment options available for policyholders to choose from.

This is a long‑term, regular savings pension plan that invests in the Mapfre MSV Life With‑Profits Fund, and it is designed to help your savings grow in a secure and tax‑efficient manner. It allows you to save on a regular basis and to invest additional lump sums at any time in the future. With‑Profits investment smooths the return on your money by spreading profits over both good and bad years. The Personal Pension Plan has been designed to offer you flexibility and investment choice, while also enabling you to benefit from a tax rebate equal to 25% of the amount you save each year (subject to a government‑determined maximum).

 


This is a long‑term, regular savings pension plan offering you a wide choice of unit‑linked investment options. All of these options are externally managed by professional fund managers, including Fidelity Investments, Mapfre Asset Management, BlackRock, and BOV Asset Management, among others.

Included in the range of unit‑linked funds are the Fidelity Target Funds. These are lifestyle funds designed to provide investors with a balanced and diversified portfolio that is automatically adjusted based on their target retirement date. This means that as you approach retirement, the fund gradually reduces its exposure to riskier assets and increases its allocation to more conservative assets, helping to protect your retirement savings.

Personal Pension Plan 
With Profits 

Personal Pension Plan 
Unit Linked

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If you invest in this Product, you will not have access to your money before the retirement date.
If you stop paying your Plan before the selected retirement date, you may not get back as much as you invested as plan charges will continue to apply.
The value of your investment may go down as well as up and you may get back less than you originally invested.
Changes in currency exchange rates may also affect the value of investments.
Tax treatment depends on the individual circumstances. Tax legislation and the amount of rebate may change in the future.


Mapfre Msv Life p.l.c. (C-15722) is authorised by the Malta Financial Services Authority (MFSA) to carry on long-term business under the Insurance Business Act, Cap. 403 of the Laws of Malta. Mapfre Msv Life p.l.c. is regulated by the MFSA. This Product is manufactured by Mapfre Msv Life p.l.c..