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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Economies around the world continue to struggle with high inflation and weakening demand affecting GDP. Read on to discover some of the factors that may have affected your investment portfolio in September 2023. When reviewing short-term market movements, remember to focus on your long-term investment goals. UK Official data shows the UK economy contracted by
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When you’re facing big life decisions, it can be difficult to know which choice to take. Read on to learn some simple tips that could improve your decision-making. According to Eva Krockow, a lecturer at the University of Leicester, the average person makes a staggering 35,000 decisions every day. Of course, many of these decisions
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Embracing lessons from so-called “blue zones” could boost your health and longevity, according to an expert. Read on to find out more about these areas and how you could make changes to your life. In 2004, two professors identified Sardinia’s Nuoro Province in Italy as having a high concentration of male centenarians. They referred to
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People often think of their financial plan as a way to grow their wealth and provide financial security. You might consider areas like your pension or financial protection to be core parts of your financial plan. Yet, while they’re important, your happiness is essential too. Financial planning is about helping you reach your financial goals,
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The latest release from HMRC shows it collected a record £16.7 billion in 2021/22 through Capital Gains Tax (CGT) – a 15% increase on the previous tax year. Cuts to a tax exemption could mean CGT receipts might climb even further. CGT is a type of tax you pay when you sell or dispose of
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Opening up about your finances can be difficult. Yet, talking about money could improve your financial security and boost your wellbeing. Every year, the Money and Pension Service (MaPS) hosts Talk Money Week, an initiative encouraging more people to start financial conversations. This year, it takes place between 6 and 10 November, and it asks
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When you think about the most popular retirement dreams, an adventurous cruise or having time to put your feet up might come to mind. Yet, a survey found the most common goal for retirement is to achieve financial security. According to Legal & General, a huge 94% of Brits say their most important retirement dream
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Creating a financial plan is just the first step to reaching your goals. While you may have carefully set out what you need to do, financial reviews are still essential. Often, it’s advised that you review your financial plan once a year or following major life events. Over the next few months, you can read
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