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.
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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
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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 moreThe Bank of England (BoE) has increased interest rates above 0.5% for the first time since 2009. Today, the Monetary Policy Committee (MPC) voted unanimously to push up the base rate by 0.25% to 0.75%. That’s not a massive increase; savers aren’t going to suddenly start seeing real returns on most of their bank or
Read moreChildren are not cheap. Whether your family is already growing, or if you are thinking of starting one soon, you have probably considered some of the obvious costs, such as private school and eventually, university. But what about those things that might not be so apparent? Research from American Express demonstrates one of these expenses;
Read moreResearch from Halifax shows that 10% of grandparents help look after related children on a daily basis. If you are one of them, you could be eligible for credits which will boost the State Pension you receive later. They’re known as Childcare National Insurance Credits, and there are around 100,000 grandparents who are eligible to
Read moreResearch from Aegon has revealed that 14% of people believe that they will still be paying off their mortgage when they turn 70. The report suggests there are several reasons why people may be forced to continue paying a mortgage into retirement: Rising house prices: which mean people need to borrow bigger amounts of money
Read moreIn 2015/16, 6.87 million pensioners paid an average of £3,522 each, in tax, according to Royal London. That’s a total of more than £24 billion. What affects the amount of tax you pay? According to the research, men are likely to face higher tax bills in retirement than women, though this is likely due to
Read moreDo you have a child or grandchild who will be looking to buy their first home? Will they one day want to retire? If so, they may be considering a Lifetime ISA (Individual Saving account), a tax-efficient way to help them meet these goals. As the second Lifetime Cash ISA is launched by the Nottingham
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