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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Chancellor Rishi Sunak has unveiled the government’s spending plans for the coming year in his Spending Review given on Wednesday 25 November. A Spending Review sets out how the government plans to spend money and what each department will receive. It covers a range of areas, like health, policing, and education. It also covers public
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Financial education in childhood is crucial. Attitudes and habits formed in our tentative years can have an impact in adulthood. Passing on your financial knowledge and the lessons you’ve learnt to children and grandchildren can lead to them being more financially savvy and secure in the future. Financial education is taught in schools, but it’s
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Brits planning for retirement are shunning a traditional ‘cliff-edge’ approach. Instead, as life expectancy increases, we’re more likely to view retirement as a transition. While it presents an opportunity to pay into a pension for longer, it comes with challenges too. Being prepared for retirement is crucial, whether you hope to transition into a new
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In October, there were signs of economic recovery from the impact of Covid-19. However, during the month, many countries have reimposed restrictions and, in some cases, full lockdown, to stem the spread of the virus. As a result, it’s expected that volatility and uncertainty will continue into the winter. The International Monetary Fund’s (IMF) Managing
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The nights are drawing in and it can affect our mood. If you’re suffering from the winter blues, there are some things you can do to improve your outlook. Seasonal Affective Disorder (SAD), sometimes known as winter depression, is a type of depression that comes and goes with a seasonal pattern. It’s usually linked to
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A third of UK households are now multi-generational, according to Aviva. While it does present challenges, it could benefit all generations and improve financial security. It’s estimated that across the UK, nine million homes are occupied by multiple generations. It’s expected that this type of set up will increase further. This is partly down to
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It should come as no surprise that we believe financial advice adds real value to the lives of our clients. While the financial benefits of advice are often discussed, the value it can add in terms of wellbeing is sometimes overlooked but is just as valuable. The improvements to wellbeing that financial advice can offer
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Each November, Talk Money Week takes place. It aims to get the nation talking about managing money, from discussing pocket money with children to chatting about pensions. Money can be a taboo subject, even among families. But talking openly about money, financial goals and aspirations can help different generations make better decisions. Making talking about
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For many, retiring abroad is a dream. Enjoying your golden years in a sunnier country and experiencing a new culture certainly has an appeal. But with many retirement hotspots in Europe, Brexit could derail some plans and make moving to a new country far more difficult. Almost half are reconsidering retiring abroad due to Brexit
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