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Investing your hard-earned money can be a nervous prospect for many people. At TFG our aim is to help you understand the concept of risk and return, and find an investment strategy which is matched to your planned investment time frame, attitude toward risk and goals. We can discuss options for investing in shares directly, investing via a managed fund or even gearing strategies for confident investors.

Looking for more information on all these terms? Please give us a call.

Risk versus Return in Investing

Risk and return is one of the most important concepts when investing. When you are going to invest it’s important to understand the balance between the risk of the investment, and the potential return you can receive. This is an important part of finding the best investment strategy for you as different people have differing levels of comfort with risk or may want to invest for a shorter period of time.


Another important topic when considering investing is diversification. Remember the old saying ‘Don’t put all your eggs into one basket’? The same concept applies to investing. We encourage people to diversify their money over a number of different areas, to help minimise the risk of a downturn in one area. Some assets you diversify your money over include cash, fixed interest, property and shares.

Asset Classes

Diversification involves investing your money over a number of different asset classes in order to reduce risk. Some of the most common asset classes including; cash, fixed interest, Australian and International shares and property.

Risk Profiles

When we talk to you to discover your attitudes toward risk, and the type of return you would like on your investment, we will classify you as a particular ‘risk profile’. A risk profile helps you to understand what type of investor you are, and how that affects the investment strategy we will suggest for you.

Direct versus Indirect investments

You have two primary options when investing. You can invest directly into a company by purchasing shares. Your other option is to invest your money into a managed fund.

Managed Funds

What’s a managed fund? A managed fund is a strategy for investing without purchasing ‘direct shares’ of a particular company. A managed fund is a collective investment, where a professional investment company invests money on behalf of many private investors like yourself. They charge a fee to manage your investment across a number of different asset classes, and the pooling of money allows you to access other markets you could not use as a smaller investor.

Investment, Gearing & Managed Funds

The information on this website may be regarded as general advice. That is, your personal objectives, needs or financial situations were not taken into account when preparing this information. Accordingly, you should consider the appropriateness of any general advice we have given you, having regard to your own objectives, financial situation and needs before acting on it. Where the information relates to a particular financial product, you should obtain and consider the relevant product disclosure statement before making any decision to purchase that financial product.

Tilley Financial Group Pty Ltd, ABN 17 058 240 403, is a Corporate Authorised Representative (No. 253394) of Aon Hewitt Financial Advice Limited. (Australian Financial Services License No 239183), ABN 13 091 225 642.  Brett Tilley is an Authorised Representative (No. 274414) and Lia Johnson is an Authorised Representative (No.471190) of Aon Hewitt Financial Advice Limited. (Australian Financial Services License No. 239183). Aon Hewitt Head Office: Level 33, 201 Kent Street, Sydney NSW 2000.

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