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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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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For many pensioners, the State Pension provides a foundation to build their retirement income. Whether you’re already claiming the State Pension or it’s still some years away, here’s what you need to know in 2025/26. In the 2025/26 tax year, you can claim the State Pension from the age of 66. However, the age will
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While you might intend to make your financial decisions based on facts, emotions creeping in from time to time is normal. Recognising when emotions might be influencing your judgement could mean you’re better able to evaluate what’s right for you. Last month, you read about how past experiences could affect your decisions. Now, read on
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