Read the latest news and articles from the Gem & Co team
Rising life expectancy is good news but it could present some challenges, including making provisions for potentially needing additional help later in life. An Age UK report has highlighted how many people have unmet care needs and the lack of financial support from local authorities. So, if you haven’t already, creating a care fund as
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With 195 countries to choose from, deciding where to go on your next holiday can be tricky. In a world where many popular holiday destinations are flooded with visitors and overwhelmed with inauthentic restaurants and shops, you might want to find a place off the beaten path so you can truly enjoy the country you’re
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On 5 November 2024, US citizens voted for their next president, and the election had a knock-on effect on investment markets and business prospects around the world. Republican Party nominee Donald Trump will serve a second term as president of the US. Trump has previously spoken about imposing harsh import tariffs, including a tariff of
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Rebalancing is the practice of realigning the components of a portfolio of investments back to a target allocation from which it has drifted away. Naturally, the process is contrarian and results in selling the things that have done well and buying more of what has done less well. To some, this may feel painful, but
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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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Most investors – at some time – will be either tempted to time when to be in or out of equity markets – or wish they had when markets fall. It would be great to be able to capture the upsides and avoid the downsides, but that is wishful thinking. Investors may well underestimate the
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Whatever your politics, one has to feel a bit of sympathy (maybe) for the new Chancellor. It has been a very tough first week in a new job; lambasted by the media, accused by the Labour leader of ‘crashing’ the pound and causing higher inflation and interest rates; and a bad report from the IMF.
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The fear of losing money is a very real emotion and the marketing promises of absolute return funds – no losses and high returns – may be appealing to some. Most absolute return funds aim, as a minimum, for a positive return over a specified time horizon, with a return target of cash plus something,
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At times like this, when it can feel like there is much doom and gloom in the news, it is worth taking a step back to gain a little perspective. For most investors the accumulation of wealth is a slow process as money is put aside month-on-month into pensions and ISAs, inheritances are invested, or
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