Read the latest news and articles from the Gem & Co team
As the old saying goes, investing is simple but not easy. It is simple to look back at market data today and wish that we had, for example, owned more US equities and less UK and emerging market equities over the past ten years, given their annualised returns of around 14.5%, 5.0% and 6.5%, respectively.
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As a parent, your child facing an illness could affect your finances just as much as becoming ill yourself. Appropriate financial protection could offer you a safety net when you need it most, including if you need to take a long period off work to care for your child. Read on to find out how
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Embarking on a holiday is about more than simply sightseeing – it’s also your chance to experience new and tantalising local dishes from around the world. An increasing number of people worldwide enjoy exploring exotic flavours during their time abroad. Acorn Tourism Consulting states that food tourism is one of the world’s largest and fastest-growing
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Back in July, Chancellor Rishi Sunak announced a second range of measures designed to protect the economy through the Covid-19 pandemic. His next update was scheduled to be the Autumn Statement in the coming weeks. However, given the newly imposed Covid-19 restrictions and economic uncertainty, the Budget has been cancelled. In a statement sent to
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Financial advice can add real value to your life. Our guide looks at the ways financial advice can help you reach your goals and improve wellbeing. From improved financial security as assets grow to confidence in your long-term plans, financial advice can deliver numerous advantages. Research shows that financial advice benefits those that take it.
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We all know what bias is and it’s something you may consider when making decisions in your day-to-day life but it’s also something that can affect financial decisions and, therefore, your lifestyle goals. Over the next few months, we’re going to explain what financial bias is and how it could be having an impact without
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Once again, Covid-19 and lockdown issues continued to influence the market. But signs of a recovery are beginning to emerge, however, risk remains, and investors should expect uncertainty over the coming months. Chief economic adviser to Allianz, Mohamed El-Erian has warned the world’s largest economies are risking repeating the mistakes of the 2008 financial crisis.
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Supporting worthy causes is often something people want to include in their financial plan, whether through regular donations or a charitable legacy in their will. The good news is that to encourage charitable giving, there are tax breaks you can benefit from too. If you’re thinking of supporting a charity, now could be a perfect
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The vast majority of investors want to improve their knowledge. In fact, according to research from Schroders, 97% of investors want to boost their personal finance know-how. While a third wanted enough knowledge to comfortably make their own decisions, almost half wanted enough to be able to probe the advice they’re given. A further 17%
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With the stock market experiencing volatility due to Covid-19 earlier this year and further uncertainty about the state of the economy, you may be wondering how to make the most of your savings. Should you save in a cash account or invest? Research from Aegon found that one in eight people have opened up a
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When we discuss financial planning, ensuring long-term security for you and loved ones is often a priority. But for business owners, they also need to ensure they protect their firm in the event of something happening to them. If you haven’t already taken steps to name a Business Lasting Power of Attorney, it’s something you
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Everyone has at some point daydreamed about what they’d do if they suddenly came into a large amount of money. But what would you do if it really happened? Whether it’s enough money to buy a new car or a gold-plated yacht, if you receive an unexpected windfall you should always think carefully before spending
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Throughout your career, you’ve probably contributed to a few pensions. It can be easy to lose track of them, so you may have considered consolidating them into one larger pension instead. Indeed, research from the Pension Policy Institute shows that there are eight million deferred Workplace Pensions with values under £1,000. You could be neglecting
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