Plan today for a better tomorrow

Personal pension plan

At Altarius Capital we provide you with all the investment tools and knowledge so you can start planning for the future.

A simple, flexible and tax efficient way to save for your retirement.

Learn about the Private Sector Pension Bill:

  • The Government of Gibraltar is promoting a new law to raise the private sector in line with the public sector.
  • Companies must provide and contribute a private pension plan for those they have employed for more than 12 months.
  • Companies are required to pay 2% of gross salary, after 1 year’s contract and at £10,000 gross salary per year.
  • The Employee must contribute at least the same amount as the company, although the minimum is 2% for each party. As an advisor, we recommend between 3% and 5% for each party.
  • Those earning a salary more than £10,000 gross salary per year.

Learn about the Private Sector Pension Bill:

  • Removing the 2% is important as employers will automatically only want to contribute 2% rather than more.
  • Your contributions should depend on your age and the amount of years left for your retirement to be able to sustain the same standard of living. The less time for your retirement the more you should consider saving.
  • The contribution to a Private Pension Scheme has important tax advantages for the employee.
  • The Scheme must be approved by HM Government of Gibraltar TAX OFFICE..
  • If the employee does not have the intention of subscribing to a pension scheme, he/she must sign a document to exempt the company from the obligation.

Start from 100£ per month

Start your future with a small monthly contribution.

Flexible contributions

Adjust your savings to your needs.

Tax relief

Optimize your savings over time.

Professionally managed

Monitoring and managing your wealth constantly.

No hidden fees

This way you will avoid any kind of surprises.

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Easy to setup

Start planning your future now.

Benefits for the company

  • Employee loyalty.
  • Compliance with regulations.
  • The contribution is accounted for as an expense.
  • Contributions are tax deductible.

Prosperity Advantages

  • The Trustee is Gibraltar based. Your Investment Managers are Gibraltar based. The entire pension structure is regulated in Gibraltar by the FSC.
  • Meet your investment manager annually for progress reports.
  • Active management, rather than passive, producing constant returns over the long term.
  • Low correlation to the financial market.
  • ABACUS are our/ your trustees, established since 1974 in Gibraltar with a well-known trajectory.

Get in Touch

Get in Touch