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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The ongoing war in Ukraine, rising interest rates and soaring inflation could be pushing some economies towards recession in the coming months. This uncertainty has caused real volatility in global stock markets. Indeed, 2022 was the worst first half of the year for developed market equities in more than 50 years. As an investor, you
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Sleep might be something you don’t give much thought to, but a good night’s sleep is vital for your wellbeing. If sleep is something you struggle with, you’re not alone. According to a YouGov poll, 1 in 8 Brits says they have trouble falling asleep every night. And around a quarter of people say they
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Are you looking for ways to make your day easier? If you’ve just been using Chrome to browse online without using any extensions, you could be missing out. Whether you’re working or trying to tackle personal admin, Chrome extensions could help you be more productive. Here are eight excellent extensions that could make your work
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On 5 September, the UN’s International Day of Charity encourages people to get involved with philanthropic activities. It’s the perfect time to think about donating to good causes. Considering how to give tax-efficiently could benefit charities and you. Here are five ways you can make the most of tax allowances. 1. Boost your donations with
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As a self-employed worker, it can be more difficult to manage your finances. Your income may vary or not be as reliable as those who are employed. According to a study from Scottish Widows, almost half of self-employed workers said their income fluctuates. The research suggests that self-employed people could be more susceptible to income
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If you have an estate plan, you shouldn’t simply forget about it. Instead, regular reviews can help ensure it continues to reflect your wishes and circumstances. Sometimes you may have a specific reason to review your estate plan. Life milestones can often cause you to reflect on the steps you’ve previously taken. Experiences like getting
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Young workers calculating how much they need to save for retirement can feel like they face an impossible challenge. Yet, research suggests that a significant proportion could be on track to exceed the Lifetime Allowance (LTA). The findings highlight how valuable saving early and the compounding effect of investments are. The LTA is the total
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If you’re guilty of ignoring your pension, a review ahead of Pension Awareness Day on 15 September can help make sure you’re on track for the retirement you want. Here are five important things to check. 1. How is your pension invested? The money held in your pension is usually invested. This provides an opportunity
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