Investing &me’s Post

Say goodbye to what no longer serves you👋 Got any more to add? Tell us below👇

Let's start this year on a positive note✍️ Seeking a glimpse of what the future might hold? Our latest blog post dives into the potential shifts and trends in the financial markets of 2024. Don't miss out – read now: https://bit.ly/3ND34kc

New year, new goals 🎯 It's time to revamp your habits, set new goals, and unlock your financial mindset. We've curated some easy-to-follow money goals that'll improve your finances in no time. Simply choose one and we'll share our team top tips to smashing it stress-free. Let's work smarter, not harder!

📣The latest buzz: the thrilling race for AI dominance takes center stage🎭  [Capital at risk] 📱Chinese tech giant, Huawei, is taking bold strides into the realm of AI chips and smart car software. 👀The AI arena gets even more interesting with Google's groundbreaking AI model, Gemini, hitting the scene. 💬Opinions are split on its capabilities compared to ChatGPT, with some claiming it will surpass even GPT-4 and human experts, while others question its ability to comprehensively understand all prompts. 📊Meanwhile, global economies, including the US, UK, and Europe, find themselves adapting to crucial macroeconomic factors like interest rates and inflation, which in turn have a significant impact on the global market. Don't miss out on staying one step ahead! Dive deeper by swiping through for more exciting details. 👉 Fan of blogs? Tap on the link in our comments for the full read! #MarketTrends #AINews #Geopolitics #FinancialEducation #StockMarket #MarketMinute

🎶 'Tis the season, but don't let your wallet suffer🫠 Use sinking funds to be prepared for any upcoming expenses✅ And if you haven’t got around to it yet, now could be a good time to start planning before 2024 rolls around. By setting aside small amounts from your salary throughout the year, you can be prepared for anything on the horizon. Here are some examples: 🏝️ Holidays: These funds should cover weekend getaways and longer trips you've been dreaming about - from flights to dining out. 🧣 Clothing: From winter to summer, this fund covers your wardrobe needs. Consider selling any items you've outgrown through platforms like Vinted or Depop and add that money to this pot. 🍬 Treats: Self-care is essential, but overspending can be tempting. Use this for anything that brings you joy, from takeaway meals to spa days or fun activities for the whole family. 🚨 Pet/Car/Home: Tailor this fund to your specific needs, whether you have a furry friend, a vehicle, or your own home. It helps cover unexpected expenses that can suddenly arise. Note that this is different from an emergency fund, which should ideally be a separate larger pot to cover 3-6 months of living expenses. 🤩 Fun/Entertainment: This pot is for your enjoyment. Use it for streaming subscriptions, theatre or music gig tickets, and other entertainment expenses. 🎁 Joyful Giving: Set aside money solely for buying thoughtful gifts for your loved ones on special occasions. Got any more sinking funds ideas to add? Tell us below💬👇 #SinkingFunds #ChristmasBudget #MoneySavingTips #Presents #Budgeting #SmartSpendingSeason #SavingsGoals

Autumn Statement 2023: it’s a wrap🗞️👇 [Capital at risk] Jeremy Hunt’s announcement will more than likely affect your finances in the new year, so here’s a short breakdown for you: 👛National Insurance contributions have been reduced for both self-employed and employees. 📊Businesses have been encouraged to invest as a way to cut their corporate tax bill. 🔋The government plans to spend over £500mn to boost the UK as an AI powerhouse. 🚣♀️The pension system as we know it may change. Plus, the state pension is increasing from April. 💷 When it comes to investments, the tax-free allowance cap hasn’t changed for either ISAs or Junior ISAs. However, savers will now be able to hold multiple accounts with different providers and the allowance loophole for 16-18 year olds will be closed. ✅ The national living wage & benefits will increase next year. 🏡 More incentives for homeowners are on the horizon as well as the unfreezing of the local allowance to support private renters. Swipe through for more juicy details 👉 Or tap the link in our comments for the full read. Follow us for updates on how UK economy is doing and many more. The views expressed here should not be taken as a recommendation, advice or forecast. #FinancialNews #UKPersonalFinance #NationalInsurance #UKEconomy #AutumnStatement2023 #Taxes #ISA #JuniorISA #Savings #NationalLivingWage 

Q3 earnings season has landed🛬 [Capital at risk] 📈The S&P 500 has registered its highest growth rate of 4.1% since Q3 2022. Over 81% of companies reported positive results. 📞Communications services, consumer discretionary and financial sectors are leading the way. 🇺🇸The US economy has delivered its best performance with an annualised 4.9% growth rate. 🇬🇧Inflation in the UK has finally dropped to 4.6% from 6.7% in September. While the economic data is showing some signs of slowing. 🇪🇺Eurozone inflation reaches the lowest point in two years. But the ECB maintains interest rates at 4%. 🌍The Middle East conflict raises concerns about both the humanitarian and economic implications. Despite the uncertainty, financial markets remain stable. Swipe through to dig a little bit deeper. 👉 Fan of blogs? Check out more insights: ‘October 2023 Market Commentary’. Link in the comments. Follow us for more updates on how the global economy is doing👋 The views expressed here should not be taken as a recommendation, advice or forecast.  #MarketMinute #StockMarket #FinancialNews #Geopolitics #MarketTrends #FinancialEducation #sp500

🚨Financial pressure is a real problem that needs our attention. [Capital at risk] Together we can break the silence and create awareness to address it once and for all. This week, we're celebrating Talk Money Week, bringing together organisations and businesses across the UK to get people talking about money. 💷 This year’s objective is to inspire everyone to Do One Thing - a small step towards improving your overall financial wellbeing and encouraging others to do the same. 🤲 The statistics don't lie, and it's concerning that so many of us face money worries without feeling confident enough to open up. 😥 That's why we started &me - to offer guidance and support when it comes to your finances. Even if you didn't receive adequate financial education growing up, it's never too late to learn and make the most of your situation. 🙋♀️🙋It’s time to talk about money matters and break down those barriers, whether it's with a friend or in the workplace. Are you in? Join us in inspiring the people in your life. What's one thing you'd do to make a difference? 🎤👇 #TalkMoneyWeek #FinancialWellbeing #BreakTheSilence #Empowerment #MoneyMatters

🗣️What is thematic investing? [Capital at risk] Just as the name suggests, it’s a way of investing in companies that have the potential to thrive and disrupt specific sectors. Some examples could be: 🕹️Technology such as machine learning, cybersecurity and martech 👫Social trends such as health & wellness and alternative medicine 🌱Environmental solutions such as clean & renewable energy and sustainability And many more… So why should you opt for thematic investing?🧐 A good place to start would be by asking yourself if you want to align your long-term objectives with your values. Just be aware of macroeconomic changes though. As those could play a part in the overall performance down the line. And similar to other investments, it’s crucial to diversify your portfolio and strike a balance between risk and reward that suits your investment goals. 👋Want to find out more? Our consultants are always here to help you make informed investment decisions. 📲 Just give us a call or send us a message in-app. The value of your portfolio with &me can go down as well as up and you may get less than you invested. Past performance is not a reliable indicator of future performance. You should seek financial advice if you are unsure about investing. #ThematicInvesting #ETF #StockMarket #Investing101 #Diversification #Finance