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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Millions of well-intentioned people in the UK are helping their loved ones manage their online financial accounts, but could risk having these accounts frozen because they don’t have a Lasting Power of Attorney (LPA) in place. Lloyds’s 2024 Consumer Digital Index (3 November 2025) suggests 1 in 5 adults – the equivalent of 11 million
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The 2026/27 tax year started on 6 April 2026. While you have until 5 April 2027 to use tax-efficient allowances and exemptions, making a plan now could be valuable. Here are four powerful reasons to consider your tax strategy for the current tax year. Avoid last-minute stress as the end of the tax year approaches
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Women in the UK are falling behind on their pension savings. Pensions Age (February 2026) reports that women aged 30 to 45 have £36,000 less saved for retirement than men, on average. Numerous factors are contributing to this gender pension gap. Not only are women paid 14.9% less than men on average, but they’re also
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Once you have made an investment strategy, often doing nothing is the best course of action. Yet, it’s an approach that might be more difficult to stick to than you expect. Investment markets often experience volatility, which could tempt investors to make decisions based on short-term emotions. These actions might not align with their strategy
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It can be easy to overlook medium-term goals when reviewing your long-term plans. Yet, they’re often important for your wellbeing. Find out how you might manage your medium-term goals. Last month, you read about how you might manage your wealth when working towards short-term goals. Now, read on to discover some options you might want
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This guest blog was written by Chris Budd, who wrote the original Financial Wellbeing Book as well as 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. Ask small business owners when they plan to sell their business, and
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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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Burnout is a state of emotional and mental exhaustion caused by prolonged stress. As a business owner, being aware of the signs could help you spot when it might be affecting you or your team. According to a survey carried out by the Chartered Institute of Personnel and Development (CIPD) (17 January 2025), two-thirds of
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