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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Student loans have recently featured in headlines. Find out what’s causing the debate, how your family might be affected, and some ways you could support students or graduates. Amid growing backlash about student loans from graduates, the government has launched an inquiry. According to the BBC (12 March 2026), the Treasury Committee will look at
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Estate planning isn’t always as straightforward as leaving everything to a spouse or direct descendant. In fact, many people in the UK are opting to leave some or all of their wealth to their “chosen family”. Research cited by Today’s Wills and Probate (29 January 2026) found that, of those surveyed, 1 in 8 have
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Thousands of people delay claiming their State Pension every year. There are some potential benefits, including managing their tax liability, but there are also drawbacks that are important to consider. The State Pension is a regular government payment you may receive from when you reach State Pension Age until you die. The current State Pension
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How your brain works can affect how you view wealth and different assets. For many, this can mean cash feels like a safer option than alternatives, but it’s not always the right one. Indeed, sometimes choosing to hold cash could mean you miss growth opportunities. 3 reasons why cash might feel like the “safe” option
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It’s common to be juggling different goals with various time frames, which can be difficult to balance. Over the next few months, you can read tips on managing short-, medium-, and long-term financial goals, and how a financial plan could help you bring them together on our blog. This month, read on to find out
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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. There is one absolute certainty in life: there will be change. Sometimes
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The amount of Capital Gains Tax (CGT) investors collectively pay is set to soar over the next six years. According to a Telegraph article (11 December 2025), the Office for Budget Responsibility (OBR) has adjusted its estimate for how much will be raised through taxes, including CGT. The OBR now predicts revenue from CGT will
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Planning your finances without clear goals is like setting off in your car without a destination – you might be able to keep moving, but you can’t be sure you’re heading in the right direction. That’s why goal-setting is at the heart of effective financial planning. However, not all goals are created equal. You can
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In February 2026, ongoing uncertainty around trade tariffs and concerns about the impact of AI adoption on business profits affected the markets. Read on to discover some of the factors that may have affected your investment portfolio. Markets reached record highs but were affected by AI concerns and trade tariffs The FTSE 100, an index
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