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.
You might also be interested in
Our unit-linked product range allows you to pursue your own investment strategy through a mix of equity and bond-based funds.
Our insurance packages offer you peace of mind, providing protection for the things that are important to you.
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).
Approved and issued by HSBC Bank Malta p.l.c, (116, Archbishop Street, Valletta VLT 1444). HSBC is a public limited company regulated by the Malta Financial Services Authority and licensed to carry out the business of banking in terms of the Banking Act (Cap.371 of the Laws of Malta). HSBC is licensed to conduct investment services in terms of the Investment Services Act (Cap.370. of the Laws of Malta) and 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).
The Site is primarily intended for those who access it from within Malta. Because of this we cannot guarantee that the Site or the information thereon complies with law or regulation of other countries, or is appropriate for use, in other places. You are wholly responsible for use of the Site by any person using your computer and you must ensure that any such person complies with these Terms. The information provided on this Site is not intended for distribution to, or use by, any person in any jurisdiction where such distribution or use would be contrary to law or regulation. This Site should not be considered as communicating any invitation or inducement to engage in banking or investment activity or any offer to buy or sell any securities or other instruments outside Malta.