Read the latest news and articles from the Gem & Co team
Do you think the way that you give to charity has changed throughout your life? Do you see it changing as you get older? Research from Barclays has shown that those under the age of 35 gave an average of £246 to charity last year, with 35-54-year-olds donating a similar amount (£265). Interestingly, over-55s give
Read moreDo you have a dream retirement age in mind? Most people do. Unfortunately, many people believe that, no matter how hard they wish to retire on time, they will be beholden to their employer long past the age they’d like to be putting their feet up. The situation According to research from Scottish Widows, more
Read moreCould you let your child struggle financially and fend for themselves, or is it your responsibility to make sure they are totally comfortable when they eventually enter the adult world? Potentially, you might think that neither of these is the right choice for you, and that a fairer, middle ground exists. But, whatever your attitude
Read moreAfter working hard for many years and diligently saving, it is not surprising that many people begin to reign in the control they have over their capital as retirement age approaches. For instance, research from Retirement Advantage shows that, among those due to retire within 10-15 years: Around two fifths (39%) do not want their
Read moreIntroduction It looked for a long time that the main headline for this commentary would be the opening salvos in a trade war between China and the USA. The International Monetary Fund published a bullish report on world trade, saying that global growth will hit a 7 year high of 3.9% this year – giving
Read moreThe future of money is upon us and it’s exciting. We’re expecting to see 2018 as the year that cash is overtaken as the major form of payment in the UK. Whether it’s through cards, apps or even the swipe of a hand, the time of contactless payments has arrived. Right at the forefront and
Read moreIf you’re unclear on what the term ‘pound cost averaging’ means, the simplicity of what it describes is perhaps best demonstrated through an example. Abbie is an investor who has already decided where she wants to make a long-term investment. She also earns money through her job and invests more each month. Abbie therefore has
Read moreEquity release plans, also known as lifetime mortgages, allow those over the age of 55 to borrow against their home. Thanks to decades of rising house prices, for some older homeowners this can mean there is plenty available to borrow. The number of people opting for these plans saw a 40 per cent increase year-on-year
Read moreIntroduction To say that March was a busy month is an understatement. Russia went to the polls to elect a new President and, in the least surprising result of the year, Vladimir Putin won another six year term. With the Chinese Communist Party removing the rules limiting Xi Jinping to two terms in office, two
Read more2017 was a good year for Emerging Markets, which continued their recent strong run, keeping them on track to outperform Developed Markets in back-to-back years for the first time since 2009/10. Compared to 2016, which offered only marginal outperformance thanks to the election result in the US in November causing a sharp market correction, the
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