Read the latest news and articles from the Gem & Co team
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.
Read more
As a parent, your child facing an illness could affect your finances just as much as becoming ill yourself. Appropriate financial protection could offer you a safety net when you need it most, including if you need to take a long period off work to care for your child. Read on to find out how
Read more
Embarking on a holiday is about more than simply sightseeing – it’s also your chance to experience new and tantalising local dishes from around the world. An increasing number of people worldwide enjoy exploring exotic flavours during their time abroad. Acorn Tourism Consulting states that food tourism is one of the world’s largest and fastest-growing
Read more
Later-life care can be a difficult topic to discuss and create a plan for. However, setting out a care plan now means you can rest assured your wishes would be followed and ensure long-term security. If it is something you’ve not tackled yet, read on to find out what you should do. According to a
Read more
Retiring abroad is a dream for many people. Perhaps you want to get away from the hustle and bustle of a big city and spend your later years in rural France? Or maybe you want to spend your retirement somewhere with warmer weather? The last couple of years have forced some retirees with aspirations of
Read more
You should base financial decisions on logic and facts. But psychology can have a much larger effect than you think, and it can lead to you making decisions that aren’t right for you. Read on to find out more about what behavioural finance is and how it could affect you. “Behavioural finance” was first coined
Read more
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.
Read more
With a new prime minister having taken office earlier this month, the government has begun to announce its plans for stimulating the UK economy during the cost of living crisis. Kwasi Kwarteng delivered what has been called a “mini-Budget” in an aim to drive economic growth, against the backdrop of the Bank of England (BoE)
Read more
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,
Read more
If your child will be going to university this year or is planning to further their education in the future, you undoubtedly feel proud. However, you may also worry about what it means for your child financially. As a parent, it is important to understand what expenses students face, how they will repay student loans
Read more
High levels of inflation and concerns economies will experience recessions later this year continue to affect investment markets. While the stock market is experiencing volatility, remember to focus on your long-term goals. Guarantees cannot be made, but, historically, markets have bounced back from downturns and delivered returns when you look at the bigger picture. UK
Read more
There are lots of great habits from around the world you can adopt to boost your wellbeing. Even better, some of the most beneficial habits in the world are those that cost little and have been around the longest. Read on to discover 10 tried-and-tested habits from cultures all over the globe that may help
Read more
In 2021, fraudsters stole £1.3 billion from consumers, according to a UK Finance report. The loss can be devastating to victims, both financially and emotionally. As criminals use increasingly sophisticated tactics, it is more important than ever that you’re aware of the red flags. This huge sum is despite the efforts of the banking and
Read more