Investment with potential
Our Retirement Pension Plan – Unit-Linked product is a Unit-Linked Life Assurance Plan that brings together a broad range of global investment opportunities under one roof.
The Retirement Pension Plan is a long-term contract of insurance which accepts both regular and lump sum contributions. You can start benefiting from the plan 10 years from commencement date of the plan and not earlier than age 61.
Switch between funds to react to market developments.
The Commissioner of Inland Revenue will issue you with a tax credit equal to 25% of your contribution up to a maximum of €750 or such other amount as may be prescribed from time to time. The tax credit, which will be issued by the Inland Revenue Department, can be applied by an automatic deduction to the total tax amount payable or may be sent in the form of a cheque, depending on your type of employment. If you have any queries about the payment of the tax credit you should speak directly to the Inland Revenue Department.
You may commence a plan for your spouse/partner providing the tax credit eligibility criteria is met.
How it works
If you’re not sure about investing or which level of risk is appropriate for you, please seek financial advice.
An HSBC Financial Adviser or your Premier Relationship Manager can walk you through the process of selecting the underlying funds in a way that fits both your investment goals and the level of risk you are most comfortable with.
To find out about getting investment advice from HSBC, please visit our Wealth Management hub.
Are you eligible?
- an HSBC Malta customer
- between the ages of 18 and 60 years
- willing to save at least €60 monthly, €180 quarterly, €360 half-yearly or €720 annually.
Book an appointment
To find out more about our retirement pension plans, book an appointment for investment advice with a member of our financial planning team.
If you are not sure about investing in this product or which level of risk is appropriate for you, please seek financial advice.
The value of the investment can go down as well as up and capital is at risk. Past performance is not a guarantee for future performance.
Currency fluctuations may affect the value of the investment.
If you invest in this Product you may lose some or all of the money you invest.
This Product may be affected by changes in currency exchange rates.
Further information including the general risk factors of each underlying fund can be found in the prospectus, the Key Investor Information Document and most recent financial statements of each undelrying fund, which can be obtained through this website or upon request, free of charge, from HSBC Life Assurance (Malta) Ltd. or HSBC Bank Malta p.l.c.
This information is not to be construed as investment advice. It is important that you read this information in conjunction with the Brochure, Key Features Document, Policy Terms & Conditions, Proposal Form and the Policy Schedule.
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Take a structured approach to achieving your financial goals by working with one of our dedicated financial advisers.
The Retirement Pension Plan is manufactured by HSBC Life Assurance (Malta) Ltd. The policy is distributed to investors in Malta through HSBC Bank Malta p.l.c.
HSBC Life Assurance (Malta) Ltd (Registered Office: 80, Mill Street, Qormi QRM 3101 Malta. Company No: C18814) is regulated and authorised by the MFSA (Malta Financial Services Authority, Notabile Road, BKR3000, Attard, Malta) to carry on long term business of insurance under the Insurance Business Act 1998. HSBC Bank Malta is enrolled as a Tied Insurance Intermediary for HSBC Life Assurance (Malta) Ltd under the Insurance Distribution Act, (Cap 487 of the Laws of Malta). (Registered Office: 116, Archbishop Street, Valletta VLT 1444. Company No: C3177).