#malta-iorp

[ follow ]
#retirement-planning
from24/7 Wall St.
2 months ago
Business

Why Your Retirement Age Doesn't Matter (But This Number Does)

Retirement timing depends on invested assets generating sufficient lifetime income, not age; calculate a target nest egg by subtracting guaranteed income and applying withdrawal rules.
fromFast Company
2 months ago
Real estate

Follow these 8 tips to feel secure about your money in retirement

Replace retirement fear of running out of money by eliminating tax uncertainty, securing guaranteed income for essentials, and protecting savings from catastrophic care costs.
UK politics
fromBusiness Matters
6 days ago

NI pension cap risks hitting middle earners hardest, analysis warns

The proposed £2,000 cap on National Insurance relief for pension contributions may harm middle-income workers more than high earners.
#retirement
Retirement
fromFortune
5 days ago

Cyprus and Ireland top list of best places to retire-as boomers are forced to 'unretire', the only real solution is to move abroad | Fortune

Rising living costs are forcing retirees to reconsider their retirement plans, with Cyprus and Ireland emerging as top destinations for affordable living.
fromSilicon Canals
2 months ago
Mental health

Psychology says people who retire without these 7 things in place usually regret it within the first year - Silicon Canals

Successful retirement requires more than money; cultivating purpose, structure, and seven specific elements before leaving work prevents regret, depression, and health decline.
fromSilicon Canals
2 months ago
Travel

5 countries where your retirement savings will stretch twice as far according to expats who made the move - Silicon Canals

Relocating retirement to certain countries can halve monthly expenses and effectively double the lifespan of retirement savings.
Retirement
fromFortune
5 days ago

Cyprus and Ireland top list of best places to retire-as boomers are forced to 'unretire', the only real solution is to move abroad | Fortune

Rising living costs are forcing retirees to reconsider their retirement plans, with Cyprus and Ireland emerging as top destinations for affordable living.
fromSilicon Canals
2 months ago
Mental health

Psychology says people who retire without these 7 things in place usually regret it within the first year - Silicon Canals

fromSilicon Canals
2 months ago
Travel

5 countries where your retirement savings will stretch twice as far according to expats who made the move - Silicon Canals

France news
fromThe Good Life France
2 weeks ago

Big Picture Financial Planning for Americans Moving to France - The Good Life France

The increasing number of Americans moving to France faces complex financial challenges due to differing tax systems and reporting requirements.
#capita
UK news
fromTheregister
1 week ago

UK government admits Capita pension portal wasn't ready

Capita failed to meet performance expectations for the Civil Service Pension Scheme web portal, causing significant operational issues.
UK news
fromTheregister
1 week ago

UK government admits Capita pension portal wasn't ready

Capita failed to meet performance expectations for the Civil Service Pension Scheme web portal, causing significant operational issues.
EU data protection
fromTNW | Ecosystems
2 weeks ago

DORA compliance: most European financial firms still aren't ready

Europe's financial institutions struggle to comply with the Digital Operational Resilience Act, with many lacking confidence in meeting the 2025 deadline.
fromReadWrite
2 weeks ago

Malta Gaming Authority investigates system breach

The Malta Gaming Authority has identified a breach within one of its systems and immediately activated its internal response protocols. Upon identification, all necessary containment and mitigation measures were implemented as a precaution, and the Authority has dedicated all relevant technical and operational resources to a thorough investigation.
Privacy professionals
fromTravel + Leisure
2 weeks ago

This Country Has the Best Weather in the World for Retirement, According to a New Report

If you're not looking for snow or freezing temperatures, you can find your perfect climate here. Costa Rica lets you choose the kind of warmth and rhythm that suits your lifestyle-and lets you enjoy it year-round. Thanks to its diverse topography, comprising mountain ranges, rainforests, Pacific and Caribbean coastlines, mangroves, and volcanic landscapes, Costa Rica has 12 distinct climate regions.
Travel
Europe politics
fromwww.thelocal.com
3 weeks ago

What you should know about the EU's plan to tap your savings

The EU revives its decade-old Capital Markets Union plan, now called the Savings and Investments Union, to compete with the US and China by unifying fragmented national financial markets and redirecting €10 trillion in citizen savings from bank deposits into investments.
UK news
fromwww.independent.co.uk
1 week ago

Your money questions answered: Mortgages, ISAs and what to do before 5 April

The Independent provides timely reporting on critical issues, emphasizing the importance of accessible journalism funded by reader donations.
fromBusiness Matters
3 weeks ago

Controversy in Malta: the three projects causing uproar.

Environmental NGOs have been particularly vocal in their opposition, warning that approval of the project would 'disfigure' Malta's coastal landscape. The coalition of hostile NGOs, including Moviment Graffitti, Din l-Art Helwa, and BirdLife Malta issued a statement arguing that there was 'no credible justification' for increasing the project's scope.
Real estate
Public health
from24/7 Wall St.
3 weeks ago

Higher-Income Retirees Face a Net Loss as IRMAA Surcharges Swallow the 2026 Social Security COLA

Social Security's 2.8% COLA increase is largely consumed by Medicare premium increases and IRMAA surcharges, leaving retirees with minimal net purchasing power gains.
Europe politics
fromThe Local Germany
3 weeks ago

What you should know about the EU's plan to tap your savings

The EU revives its decade-old capital market integration plan, now called the Savings and Investments Union, to compete with the US and China while addressing market fragmentation and investment barriers.
UK politics
fromReadWrite
2 weeks ago

Gibraltar gambling bill advances regulatory overhaul

Gibraltar introduced a new gambling bill to replace its 2005 framework with modernized licensing, regulation, and oversight structures including a Gambling Commissioner and expanded regulatory scope.
Retirement
fromwww.housingwire.com
2 weeks ago

How policy uncertainty is reshaping senior retirement plans

Retirees and near-retirees show heightened financial anxiety in 2025, with Social Security benefit cuts emerging as the primary policy concern, prompting delayed retirement plans and portfolio shifts toward conservative investments.
fromTravel + Leisure
3 weeks ago

These 5 European Countries Let You Retire for $1,200 a Month or Less

International Living published its list of the best places to retire for as little as $1,200 a month. The publication considered both quantitative data, such as rent prices, utility costs, and grocery bills, and insights from its global network of contributors to compile a list of 14 places spanning Europe, Asia, and Latin America.
Retirement
Podcast
fromIndependent
1 month ago

My money: 'I have a state pension instead of a private pension - I lost a lot in the financial crash'

Ronan Collins retired from RTÉ after 46 years on air, ending his tenure as presenter of The Ronan Collins Show, one of the station's longest-running programmes.
Retirement
from24/7 Wall St.
3 weeks ago

How Retirees Are Using ESGD to Pair ESG Values With International Dividend Income

ESGD provides ESG-filtered international equity exposure with dividend income, combining values-based investing with diversification across developed markets outside North America.
Retirement
fromFortune
4 weeks ago

Retirees wait for the day they can sell their homes and cash in-but there's a secret Medicare 'trap' that could stop them in their tracks | Fortune

Selling a home near age 65 can trigger Medicare premium surcharges (IRMAA) based on a two-year lookback period, potentially costing thousands annually in increased healthcare expenses.
Careers
fromIndependent
1 month ago

If I apply for a sabbatical will I still be able to take voluntary redundancy?

Voluntary redundancy provides a financial payment to employees who choose to leave, typically offered during company restructuring or downsizing.
World news
fromIndependent
1 month ago

'We now have money at the end of the month' - meet the Irish people who moved to Dubai to build a nest egg

Irish people move to Dubai for attractive, tax-free salaries, but high living costs mean saving depends on career choice and personal lifestyle.
Miscellaneous
fromBusiness Matters
2 months ago

Ireland's Game-Changer: Auto-Enrolment Pensions Arrive in 2026

Auto-enrolment will automatically enroll most eligible Irish employees into workplace pensions, phasing contributions up to about 14% of salary to boost retirement savings.
fromBusiness Insider
2 months ago

I moved my family from the US to Malta. Living on a small island has some unexpected conveniences.

During the pandemic, I was freelancing at the time, and I was writing an article about "worldschooling." I had never heard of it, and I started interviewing these people around the world, and these are families who were just traveling the world with their kids. My wife and I had both lived abroad, and we loved the idea, and we said if we ever make it out of the pandemic, we want to do something like this with our kids.
Digital life
Fundraising
fromSilicon Canals
1 month ago

Insurance AI Leader mea Platform Targets Industry Combined Ratios and Margins With a $50 Million Growth Equity Raise From SEP - Silicon Canals

mea Platform secured a $50 million SEP minority growth equity investment to scale AI-native insurance automation and expand global operations.
fromIndependent
2 months ago

Switch and save: How a 'life admin day' can save you hundreds or even thousands of euros

Setting aside a designated day to switch utility providers will pay dividends in the long run
E-Commerce
Miscellaneous
fromBusiness Matters
2 months ago

The bright young future of Malta's hospitality industry

Malta's hospitality sector thrives through the YYY Malta Competition that develops young talent, preserves service skills, and supports post-pandemic economic recovery.
fromwww.independent.co.uk
1 month ago

How to prep your pension - and how you use it - against new inheritance tax changes

Currently, pension savings are not used for estate valuations when calculating IHT charges when someone dies. This means money left in a pension can be passed on without worrying about generating a tax bill. But from the new tax year in April 2027, pensions will be included in estate calculations. This creates a higher chance of pushing the value of an estate above the IHT threshold, currently 325,000.
Retirement
#pensions
fromIndependent
2 months ago
Real estate

Your money questions - 'Can I opt for a 'zero tax' property option that avoids the stock market with an ARF pension?

fromIndependent
2 months ago
Real estate

Your money questions - 'Can I opt for a 'zero tax' property option that avoids the stock market with an ARF pension?

fromTravel + Leisure
2 months ago

This Country Just Ranked as the Best for Americans to Retire Abroad for Quality of Life, Safety, and Health Care

"This research was undertaken to assess which retirement destinations truly remain attractive and viable for US citizens today,"
World news
fromBusiness Matters
1 month ago

Nine in 10 high-risk pension funds fail to beat FTSE 100 over five years

Nearly nine in 10 higher-risk pension funds have failed to match the performance of the FTSE 100 over the past five years, according to new analysis that raises fresh concerns about retirement outcomes for millions of savers. Research by Investing Insiders examined almost 13,000 personal and workplace pension funds holding more than £1tn in assets between December 31, 2020 and December 31, 2025. Funds in the medium-high and high-risk categories were benchmarked against the FTSE 100 over the same period.
Business
fromReadWrite
2 months ago

Malta Gaming Authority warns of unlicensed gambling sites

The MGA would like to remind consumers not to utilise services provided by an entity unless they have ascertained that the entity in question is authorised to provide such services by the MGA. The gaming regulatory framework obliges authorised persons to comply with strict legal requirements in the interest of consumers. The activities of unlicensed entities are unregulated and do not provide the necessary safeguards delineated by virtue of the framework, making transactions with such entities risky for consumers.
Miscellaneous
UK news
fromIndependent
2 months ago

Your money questions: Can I combine my private pension and an investment into a new plan to lower tax?

Capital gains tax applies to the €6,000 investment growth after the annual exemption, and pension withdrawals are taxed as income after a 25% tax-free lump sum, so staged drawdown can reduce marginal tax.
Business
fromIrish Independent
2 months ago

Thousands of workers to see first hit to pay packets from new mandatory pension this week

More than 760,000 eligible workers will have about €15 per week deducted to fund the My Future Fund pension through auto-enrolment.
Miscellaneous
fromBusiness Matters
2 months ago

How Ireland balances regulation and innovation in live casinos

Irish online betting regulation aims to protect players by enforcing fair play, consumer safeguards, responsible gambling and advertising rules while balancing innovation and industry creativity.
Retirement
from24/7 Wall St.
1 month ago

Whether Your Social Security Be Taxed in Retirement Depends on 3 Numbers

Non-Social Security income can make up to 85% of Social Security benefits taxable via provisional income thresholds.
Business
fromForbes
2 months ago

Is Overseas Banking A Good Idea? Here Are The Pros And Cons

Overseas banking provides digital, transparent means of diversifying assets and hedging against domestic economic instability for global entrepreneurs, nomads, and cautious investors.
Miscellaneous
fromIrish Independent
2 months ago

AI Minister Niamh Smyth says X should be banned if it does not abide by Irish law

Grok AI's use to create nudified images of women and children is prompting government pressure for tougher action and potential banning of X for noncompliance.
UK news
fromwww.bbc.com
2 months ago

Retired civil servants left in pension limbo

A Capita administration backlog has left many former civil servants without expected pensions or lump sums, causing acute financial hardship.
Business
fromIndependent
1 month ago

Michael Houghton: Why deemed disposal matters less than you think

Deemed disposal taxes index funds held outside standard capital gains treatment, reducing investment returns but manageable through specific strategies to lessen its impact.
fromIndependent
2 months ago

'I know it was a mistake, but I just want a home to retire in', says man (70) who built house after planning refusals

In September 2005, the course of Declan Dunlea's life was altered forever. At the height of the Celtic Tiger, he ran a successful oil and fuel distribution business called Core Fuels. He lived with his family in a beautiful five-bedroom period home overlooking Monkstown Bay in Co Cork, and spent his spare time renovating vintage cars. "After I left school, I started my own business as a coal merchant and did that for 15 years," he said.
Miscellaneous
fromLondon Business News | Londonlovesbusiness.com
2 months ago

Last minute tips for using your ISA allowance - London Business News | Londonlovesbusiness.com

This tax year (2025/26), you can add up to £20,000 to one ISA or split the money between several of the various types; the most used being Cash ISAs and Stocks & Shares ISAs. Whichever type of ISA you invest in you pay no income or capital gains tax (CGT) on the returns - no matter how much they are.
Business
UK news
fromwww.independent.co.uk
2 months ago

Government issues major update on Lifetime ISAs held by 1.5m Britons

Existing Lifetime ISA holders can continue contributing indefinitely and use funds for a first home or retirement despite government plans to replace LISAs.
Business
from24/7 Wall St.
1 month ago

The RMD Hack That Can Save Retirees Thousands

Make a qualified charitable distribution from an IRA to satisfy RMDs tax-free and avoid higher taxable income, Social Security taxation, and increased Medicare costs.
Retirement
fromwww.independent.co.uk
2 months ago

Explaining the pension superpower you need to know about

Pension tax relief redirects income tax into pension contributions, boosting retirement savings, yet fewer than a third of people understand how it works.
from24/7 Wall St.
2 months ago

How Much Money Would You Have in 10 Years if You Maxed Out Your IRA in 2026?

A traditional IRA allows you to contribute with pre-tax dollars and pay taxes on withdrawals in retirement, while a Roth IRA allows you to take tax-free withdrawals as a retiree, although you will have to contribute with after-tax dollars. Provided your income isn't too high, you can make tax-advantaged contributions to these accounts this year, up to a total limit of $7,500 if you're under 50 or a limit of $8,600 if you're 50 or older and eligible for catch-up contributions.
Retirement
[ Load more ]