Chadwicks Bimonthly Magazine January – February 2021

Welcome to our first edition for 2021. In a year of renewal, hopefully we’ll see a world that is steadily returning to normal, while also rapidly accelerating into a transformed future. Although lockdown restrictions have eased in some areas, the coronavirus (COVID-19) pandemic will continue to impact on our lives in many ways. Where will we be in six months, a year, ten years from now? One thing is certain, COVID-19 has reshaped all of Read more…

Do I need a mortgage adviser?

Seeking mortgage advice before taking out a mortgage can be incredibly valuable in the long term. Good mortgage advice will allow you to find the best mortgage for your situation, whether finding your first mortgage or re-mortgaging or finding a buy to let mortgage.  There are also risks associated with not seeking advice. If you seek advice and find later that the mortgage is unsuitable then you will have more rights when you look to make a Read more…

Chadwicks Bimonthly Magazine November – December 2020

Welcome to our latest issue. Inside, we look at a number of different topics to help you accomplish what matters most to you and your family as the festive period approaches. In these uncertain times, it can help to focus on the things you can control. And working out what your money’s doing for you now and where it might come from in the future can give you real peace of mind. On page 06, Read more…

How to plan for a successful retirement

Planning is the key to a successful retirement Why have a non-financial retirement plan? When people think of a retirement plan – most think of a written financial document which answers the question – Do I have enough money to live on in retirement?  Very often the financial plan includes goals, projections, asset allocations, simulations for best- and worst-case scenarios and a suggested financial portfolio. The majority of people do not plan in the same way Read more…

Environmental, Social and Governance (ESG) Investing

What Is Socially Responsible Investing? Environmental Socially Responsible Investing has grown from a niche sector to a now more popular Investing avenue. This type of Investing specifically selects responsible businesses that try to make a positive difference. While ethical investing has been around for some years, ESG goes deeper. It doesn’t just avoid companies such as arms dealers and tobacco manufactures, ESG asks bigger questions. How much plastic are these businesses producing? Are they having Read more…

National Savings Nightmare as Saving Rates Drop

For some months now NS&I have been offering the most competitive rates available for savers through their Direct Savings and Income Bonds products. Unfortunately, this is soon set to change dramatically with NS&I announcing draconian cuts to rates offered across their accounts. From 24th November the Direct Saver account will reduce from 1.0% p.a. to just 0.15%. The Direct ISA will reduce from 0.9% to 0.1% and the Investment Account will reduce from 0.8% to Read more…