BettrLife

BettrInvest

BettrValue

BettrWorld

BettrCommunity

BettrLife

Helping you find the answer to “What’s the money for?” is one of the best things we can do for you, as it gives context to the decisions you will make about your money and your life.

In short, we build a multi-year cashflow forecast that maps out your key life events and your likely spending patterns. We call this your ‘Bucket of Life’.

 

So wouldn’t you like to…

Know ‘your number?’

Know ‘your number‘?

Live your ‘best life’ without the fear of ever running out of money?

Live your ‘best life’ without the fear of ever running out of money?

 

Have more time to do the things you really enjoy?

Have more time to do the things you really enjoy?

Spend more time with the people who matter the most?

Spend more time with the people who matter the most?

Help those people (or causes) that matter the most?

Help those people (or causes) that matter the most?

Done well, financial planning can be genuinely life-changing. We focus on you and the life you wish to lead.

“Brett Investment understands the anxieties that come with investing and at each meeting manages to reassure the client so that they leave feeling positive about the future.”

Mrs Lorna Roberts

Meet George & Louise

“ Jeremy has helped us to focus on what we want out of life and is helping us realise our plans. The peace of mind we have from knowing our finances are being so well managed is priceless.”

Mike & Wendy Davidson

“Brett Investment’s approach of identifying our future needs/goals and then working out how to achieve them is a vital approach to reduce the lottery of financial planning. Much better than the previous IFA approach of ticking the boxes of financial products that would have left the future very uncertain.”

David Forrest

Meet Rob & Sue

“Brett Investment understands the anxieties that come with investing and at each meeting manages to reassure the client so that they leave feeling positive about the future.”

 

BettrInvest

Our philosophy focuses on what has historically worked using over 100 years of market data and over 60 years of academic study.

 

Being Globally Diversified:

Each portfolio invests in over 14,000 of The Great Companies of The World (TGCOTW) and their next generation. The goal is to capture the difference between the returns from this company and inflation. Achieving this leads to financial prosperity.

Low Investment Costs:

High fees are considered detrimental to performance over time, so the focus is on minimising costs by using a passive asset class approach.

Trusting the Markets:

BettrInvest Portfolios rely on the belief that capital markets work and that The Great Companies of The World should deliver above inflation returns over time.

Discipline and Coaching:

We help investors understand market behaviour, manage expectations, and avoid impulsive reactions during extreme market conditions. Knowledge sharing and ongoing support are offered to all clients.

Sustainable Investing:

We recognise the importance of sustainable investing and offer portfolios that align with environmental, social, and governance (ESG) principles.

 

Some of our favourite investment quotes:

“The stock market never loses money, only people do.”

 

“A temporary decline is not the same as a permanent loss.”
“I have found the company’s advice regarding investment opportunities particularly helpful – I get the feeling that Brett Investment are ahead of the game.”

Alistair Buchan – Former Proprietor, Lochcarron of Scotland

Meet Michael & Sarah

BettrValue

Working for You

Like most proper financial planning firms, Brett Investment are fee-based. We are also independent, so our advice is not tainted by conflicts of interest, i.e. we work for you.

Value for money

Clients can take reassurance that Brett Investment’s fees are offset by:

  • Low investment costs (our portfolios only ever invest in institutionally priced units. This cost saving is passed onto you)
  • A strong emphasis towards reducing the tax impact of your strategy
  • The targeting of types of shares where the expected returns are greater
  • Keeping you disciplined so that your portfolio stays on track through all market conditions.

All of the above adds value. This, and the nature of our fee-based compensation structure, require us to deliver a consistently high level of service.

BettrWorld

Our Responsibility

 

At Brett Investment, we understand that we have a responsibility to the world / environment beyond legal and regulatory requirements.

We are committed to reducing our environmental impact and continually improving our environmental performance; we are now part of a global movement committed to halving greenhouse gas emissions before 2030 and becoming net-zero before 2050.

A Win-Win

When it comes to money, achieving your financial goals doesn’t need to be at the expense of the planet. We see responsible investing as a part of shaping a sustainable future. This is why Brett Investment – collaboratively with Dimensional Fund Advisors and Vanguard – offer sustainable portfolios.

A Financial Commitment

Like Sir David Attenborough, we are keen to do our bit for the world, for our community and, importantly, for future generations to come. We believe it’s important that we back up our values by taking action and so we have also committed to donating 1% of our business turnover to causes that we know will contribute to a BettrWorld.

“Today we have become the greatest threat to the health of our planet. We’re the first generation to know what we’re doing, and the last who have a chance to put things right.”

Sir David Attenborough

BettrCommunity

Supporting Locally

 

Brett Investment is a small, family-owned business located in the beautiful Scottish Borders. We believe that having strong values that we live by is very important.

We support local charities, food banks and organisations that we believe make a difference and include the following: