Read the latest news and articles from the Gem & Co team
When you’re balancing work and the wellbeing of your loved ones with everyday tasks, you may find that life gets incredibly busy. When you feel you rarely get a moment’s peace from the minute you wake up to the time you go to bed, you may feel mentally drained and short-tempered. These busy schedules often
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If you’re saving for retirement, you will want to get the most out of what you’re putting into your workplace or private pension. Fortunately, there are plenty of tax efficiencies when you save your wealth into a pension. Indeed, any investment returns generated within your fund are typically free from Income Tax and Capital Gains
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Going through a divorce is difficult, and it’s normal to experience a loss of control. It can be tempting to turn away from difficult topics, such as those relating to your finances, because they feel overwhelming. However, tackling them head-on could help you regain your confidence and offer clarity about your future. If you’re recently
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Mistakes, financial or otherwise, are a part of life, and it’s normal to make them from time to time. While mistakes can be frustrating, moving past them is important. Holding onto mistakes and letting them dictate the decisions you make now could cause problems. For example, feeling embarrassed about a financial mistake could lead you
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There’s more to being a successful investor than following the latest market trends and tips. Setting out a strategy that’s right for you could allow you to balance risk against your goals. Last month, you read about the importance of defining what success means for you. With your goals outlined, you can start to think
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This guest blog was written by Chris Budd, who wrote the original Financial Wellbeing Book as well as The Four Cornerstones of Financial Wellbeing. He founded the Institute for Financial Wellbeing and has written more than 100 episodes of the Financial Wellbeing Podcast. The new year is a time when we take a moment to
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After a year filled with uncertainty and rising trade tensions, markets were calmer in December 2025. Find out what may have affected the performance of your portfolio at the end of the year. Market volatility eased in December 2025 Markets were downbeat at the start of the month. Most European markets were in the red
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Retirement is the perfect time to add some little indulgences into your life, your reward for navigating the challenges of a lifelong career. They don’t need to be particularly expensive or over the top. But things that will enhance your life, boost your wellbeing, and add a sense of fulfilment to your retirement can all
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When you’re building a business, you might have little time to think about other aspects of your long-term finances. However, overlooking your pension in favour of your business could leave you in a difficult situation when you want to retire. According to a survey carried out by think tank the Social Market Foundation (12 August
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In the Autumn Budget 2025, the chancellor announced that Inheritance Tax (IHT) thresholds would remain frozen for a further year, until 2031. Upcoming changes will also see unused pensions included in an estate for IHT purposes for the first time from April 2027. These measures could see estates facing a larger IHT liability, or coming
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