Read the latest news and articles from the Gem & Co team
Getting the most out of your retirement and reaching your goals requires careful planning. But as we all know, life doesn’t always go to plan. If you decide you want to retire sooner than originally planned – whether due to circumstances beyond your control, a health crisis, or a simple change of heart – a
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Conflict in the Middle East caused market volatility throughout March 2026. Find out what other factors may have affected your investments. While the ongoing uncertainty may feel unsettling for investors, remember that your strategy reflects your long-term goals and considers periods of volatility. Oil prices rising and ongoing uncertainty led to stock markets falling On
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Modern life is often full of constant stimuli, from notifications popping up on your phone to the noise of the TV in the background. Finding time and ways to declutter your brain could improve your wellbeing and allow you to really relax. Being overstimulated might mean your brain rarely gets to rest, even when you’re
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When you’re making large financial decisions, basing them on facts and logic could help you choose the option that’s best suited to your needs. Yet, even when you take this approach, cognitive biases may affect the conclusions you draw. Over the last few months, you’ve read about how past experiences and emotions might affect your
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This guest blog was written by Chris Budd who wrote the original Financial Wellbeing Book, and also 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. Financial wellbeing is a subject that looks at all aspects of the relationship
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Most investors are concerned about the future returns of their portfolio, despite the expectation that a well-structured, globally diversified balanced portfolio should yield positive returns after inflation over most 10- and 20-year periods. When an investor withdraws money from their portfolio regularly, such as to fund their retirement lifestyle, the sequence of portfolio returns they
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When a new tax year starts, many allowances reset. So, checking if you could use these valuable allowances before 5 April 2025, when the 2024/25 tax year ends, might help your money go further. It’s important to understand which allowances fit into your financial plan and suit your goals. So, this guide could help you
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We’re only weeks into 2025, and it’s already been one filled with market volatility and uncertainty. At times like this, being part of a crowd might feel comforting, but following the investment decisions of others could lead to choices that aren’t right for you. Political and economic uncertainty means investors may already have experienced the
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Concerns around potential trade wars following President Trump’s inauguration weighed on investment markets in January 2025, but there was positive news too. Read on to discover some of the factors that may have affected the performance of your investments. Keep in mind that short-term market movements are part of investing and taking a long-term view
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“Snowballing” could help your money grow at a faster pace when you’re investing over a long-term time frame. Imagine you’ve made a snowball and you’re rolling it through more snow – it’ll increase in size at a faster and faster rate as the surface area grows. The same principle may apply when you’re investing thanks
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Often dubbed the “most hated tax” in the media, Inheritance Tax (IHT) is a tax on your estate when you pass away, which could reduce how much you leave behind for family and friends. If your estate is worth more than £2 million, the potential IHT bill might be higher than you expect. Read on
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Building a business can be exciting and rewarding, and it might play a key role in ensuring you’re financially secure now and in the future. Yet, focusing all your attention on your business could mean you miss alternative ways to provide security later in life, including overlooking a pension. Indeed, according to a January 2024
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The secret to saving more for your retirement could be regularly switching jobs, figures suggest. In fact, according to FTAdviser in November 2024, those who frequently take new career opportunities have more saved for retirement. For many workers, gone are the days of a job for life. Instead, employees are switching jobs more frequently than
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