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Gemma is an independent Maltese financial capability portal designed to help people Know, Plan, Act about their finances. It provides information, guidance, and tools on debt management, budgeting, saving and investing, and planning for retirement and pensions, including details on private and social security schemes. It also offers practical resources such as a budget planner, calculators, ebooks, videos, newsletters, and other educational content to improve financial literacy and decision-making.
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