Read the latest news and articles from the Gem & Co team
Time passes quickly, and before you know it, your child has gone from taking their first steps or saying their first words to starting school. You’ll want to do all you can to set them up for a successful future, but it can be challenging to know where to begin. You might need to prepare
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Cryptoassets may not be regulated financial products, so please be aware that trading them carries a considerable amount of risk for your capital. Cryptocurrencies are also not covered by existing consumer protection laws and are not suitable for the majority of investors. Cryptoassets are still relatively new, so it’s no surprise that they’re surrounded by
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Selling your business is often a goal you’ve been working towards for years. But viewing it as the finish line, rather than the start of a new journey, could lead you to overlook steps that make the next chapter of your life more enjoyable. Entrepreneurs often find that their personal goals and finances become entwined
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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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Taking ESG (environmental, social and governance) factors into consideration is a growing trend among investors. But what does it mean and why would you look at these areas when making investment decisions? Our latest guide explains the basics of ESG investing. According to the Investment Association, 26% of all UK assets use ESG factors in
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Last month, the first children to benefit from Child Trust Funds were able to access them. So, what are they and if your child or grandchild has one, what are the options? Child Trust Funds were introduced in April 2005 by the then Labour government. The government automatically opened a Child Trust Fund in the
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This month marked financial planning week, which aims to showcase the benefits of financial planning, from the financial gains to improved wellbeing. To celebrate this, we’ve got a checklist of steps you should take before 2020 ends to ensure you’re on track. 1. Think about your lifestyle goals The financial steps you make should be
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Lockdown has turned us into a nation of savers. People in the UK usually save around £4 billion a month, but New Model Adviser reports that, during the spring, this figure rose to an impressive £25 billion. Of course, it was easier to save when lockdown reduced your ability to spend. Staying inside and working
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October is Free Wills Month, an initiative solicitors can be part of that offers free will writing expertise to over 55s to support charities. The key reason to write a will is to ensure your wishes are carried out, but did you know it could help you mitigate how much Inheritance Tax your estate will
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When we discuss financial planning, ensuring long-term security for you and loved ones is often a priority. But for business owners, they also need to ensure they protect their firm in the event of something happening to them. If you haven’t already taken steps to name a Business Lasting Power of Attorney, it’s something you
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More and more young people are now saving into a pension, but it can be a confusing affair and it’s easy to become disengaged with the subject if you’re not sure of how it all works. The sooner you start taking an interest in your pension (and what it means for your future) the better
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There are many good reasons to consider investing, from building up a deposit to buy a home to saving for a comfortable retirement. If you’re looking to begin investing, here are a few simple factors to consider if want to achieve your investment goals whilst minimising your risks. Know what your goals are Before you
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Amidst the current uncertainty on the market, it can be hard to know how best to manage your money. With ISA interest rates currently at a low, you may be wondering whether to stick with one or move your money to an alternative option. You might even be considering investing. It’s important to understand what’s
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