ASX Release 9 July 2018 – Business Update

Superannuation – New Product Update

In line with Raiz Invest Limited (“Raiz” or “the Company”) (ASX:RZI) strategy to bring new innovative financial solutions and products to customers, Raiz has now successfully completed beta testing of the Raiz Invest Super product. It plans to officially launch this on 16 July 2018. The strategy of introducing a superannuation product was outlined in Raiz’s Prospectus dated 9 May 2018.

Raiz Invest Super has been designed to help Australians build wealth for retirement in a simple and transparent manner. The superannuation feature will be fully integrated into the existing Raiz app post its launch.

Read our previous blog – Why your Super is still Important when you’re Young

Raiz has a large millennial customer base and has achieved over 500,000 customer sign-ups (as at 9 July 2018) putting it in a unique position to market Raiz Invest Super using its own internal online channels. Raiz customers are highly engaged with the current Raiz product, with more than 80% of users making an investment in the past four weeks. For more information on Raiz fees, click here.

Chief Executive Officer and Managing Director of Raiz, Mr. George Lucas said, “We continue to execute on our stated strategy of growing our active customer base by bringing new innovative financial solutions and products to customers. This superannuation product was developed in response to customer demand for an engaging, affordable superannuation investment. Pleasingly, our offering will sit within the lowest quartile of fees for accumulation superannuation funds in the Australian market.

Raiz Invest Super will charge a fee of around $425 on balances of $50,000 to account holders, on an annual basis, placing it in the bottom 25% or lowest quartile for accumulation superannuation funds on the market. The product also helps address some of the key issues identified in the recent Productivity Commission draft report into superannuation – such as the multiplicity of super accounts and lost super by simplifying how customers engage with their superannuation.

“Customers will find that growing their savings and achieving financial confidence does not have to be a complicated or daunting process. We continue to focus on improving financial confidence in investing and saving money within our customer base as well as to potential customers”, added Mr. Lucas.

fee in lowest quartile for accumulation superannuation funds — New superannuation product fee will be in the lowest quartile for accumulation superannuation funds on the market

Raiz Rewards Update

The Raiz Rewards feature assists customers who shop online to increase their savings while they shop, by receiving a loyalty cash back into their Raiz Account from participating brands. An additional feature of the product is that brands can also offer special promotions to the Raiz customer base.

In the June quarter, Raiz Rewards continued to grow its brand partnership portfolio, increasing the number of partners by over 20%. Raiz customers can now receive rewards with more than 115 brands including BWS, Apple, AirBNB, Woolworths Online, and STA Travel.

Raiz Rewards brands june — Some Brands added over the June quarter

The Company has seen 12,000 customer transactions associated with Raiz Rewards and $78,000 of rewards invested into customer accounts in the last quarter (to 30 June 2018).

Raiz customers have shown a willingness to earn dollars as they shop which are invested back into their Raiz accounts rather than loyalty points for redemption sometime in the future.

Raiz Invest Super and Raiz Rewards are built into the app’s existing mobile first investment platform. Other features of Raiz’s app include Raiz Kids, a savings tool for children, Carbon Offsetting, and the introduction of a Socially Responsible Investing Portfolio.

Operational Update

Raiz is pleased to announce that since its ASX listing in June, demand for Raiz’s simple, transparent, and affordable financial services has remained strong.

Raiz continues to place in the top 10 apps within financial sections of both the Apple and Google app stores. In the “free financial” section of the Apple App store, Raiz has a customer star rating of 4.8 and similarly in the Google Play Store it has a customer star rating of 4.5. Funds under management have increased to $205 million.

The average Raiz user has seen their investment portfolio grow by 10 per cent a year in the past 12 months and 11 per cent a year since start in February 2016 (including all fees but not the $3.50 a month maintenance fee). Based on an average account balance of $1250, this would translate to $83 a year return (after the maintenance fee).

The Company recently raised over $15 million from investors as part of its listing. This has provided the company with additional funds to service customers, with a focus on offering new products and innovative financial solutions, such as the Raiz Invest Super product.

Quarterly Update

Raiz intends to provide a quarterly update for the period ending 30 June 2018, in the week of the 23 July 2018. This will include performance reports as to growth, customer engagement, and funds under management.

About Raiz

Raiz Invest Limited (ASX: RZI) is a first of its kind Australian, mobile-led, financial services business offering customers an easy way to regularly invest either small or large amounts, in or outside superannuation, using its micro-investment platform available via the Raiz app or its website.

Since launching in 2016, Raiz has achieved solid growth, amassing over 470,000 signups, with 160,000 active monthly customers and $200 million funds under management as at 20 June 2018. Raiz was awarded Australia’s Investment Innovator of the Year at the 2017 and 2018 FinTech Business Awards.

For more information: www.raizinvest.com.au

Don’t have the Raiz App?

Download it for free in the App store or the Webapp below:

download-raiz-app — Click to download the Raiz app

Important Information

The information on this website is general advice only. This means it does not take into account any person’s particular investment objectives, financial situation or investment needs. If you are an investor, you should consult your licensed adviser before acting on any information contained in this article to fully understand the benefits and risk associated with the product.

A Product Disclosure Statement for Raiz Invest and/or Raiz Invest Super are available on the Raiz Invest website and App. A person must read and consider the Product Disclosure Statement in deciding whether, or not, to acquire and continue to hold interests in the product. The risks of investing in this product are fully set out in the Product Disclosure Statement and include the risks that would ordinarily apply to investing.

The information may be based on assumptions or market conditions which change without notice. This could impact the accuracy of the information.

Under no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz Invest or Raiz Invest Super.

Past return performance of the Raiz products should not be relied on for making a decision to invest in a Raiz product and is not a good predictor of future performance.

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By
Phil Usher

The difference between rich and wealthy, is that getting rich is just
about the accumulation of money. It can come and go, and if someone who’s rich
loses their money, they may have trouble regaining that or rebuilding again.

When we talk about building wealth, we generally think of
numbers or how we can increase our income, how we can invest, or how we can
make better decisions based on numbers. But wealthy people are also doing things that aren’t numbers
focused.

History is full of lotto winners that end up broke in a
matter of a few years after winning big, or sports people who are great at what
they do but not so much with their money.

But for wealthy people, it’s very much a mindset. This blog will go through
five things that wealthy people do on a regular basis that make them
financially successful. Of course this isn’t a “every millionaire does this” or
“do these things for guaranteed wealth”, it’s more a look into consistent
behaviours of the most successful and wealthy people.

1.
Exercise

First up is that they exercise. Generally they’re exercising
for at least 30 minutes a day, and they’re doing that around four days per
week. It’s not a lot, it’s not a huge commitment, but research shows that
people who exercise have much better outcomes in terms of the way that they
think, getting clarity in their life, and making decisions.

There is tons of research out there on exercise. I’ll let
you see what you can find, but exercise is something that wealthy people do
constantly.

Richard Branson is notorious for kite surfing and jogging.
And billionaire owner of the Dallas Mavericks, Mark Cuban says he does 1 hour
of cardio 6 or 7 days per week!

2.
Read

Wealthy people read. A lot of research has come out saying
that CEOs, top-level CEOs, are reading on average 60 books per year. 60 books
compared to about one or two that everyone else reads.

The information that you get from books is unbelievable. It’s
something that you can’t access anywhere. The dense information that you can
get in your ear through audio books is also an efficient use of time! You can
read for half an hour per day while your exercising. That’s health and wealth
in one hit! And I’m not necessarily just talking about fiction books either,
it’s non-fiction and ways that you can learn to improve your thinking. Do a
healthy mix between the two.

Bill Gates says that he reads 50 books per year and Warren
Buffet says he reads 5 to 6 hours per day!

3.
Network.

A lot of people say that your network is your net worth.
That means that you’re getting exposed to other people and it opens the doors
for many other opportunities. You’re not going to be able to build your wealth
just by sitting in your back room and keeping to yourself. You’ve got to get
out there, you’ve got to get to events, you’ve got to talk people.

Some of my biggest sales have come from just going to a
networking event, exchanging my card, having some food, and having a beer with
a decision maker. Prior to that, I’ve tried cold calling or I’ve tried dropping
in and they’re always too busy, but when you get face to face with someone, and
they can see what you’re like as a person, that’s when the opportunities can
really start to open up. So, get out there and start networking.

4.
Mentors

Arnold Schwarzenegger says in his book, “There’s no one
that is self-made.” Everyone has mentors, everyone has guides, everyone
has coaches, advisors. Find your mentors, find people who’ve been there and
done that with that experience.

It doesn’t necessarily have to be face to face, that’s
ideal, but I understand that it can be limiting. For me growing up, I had my
father as a mentor, but looking beyond that, in terms of building wealth, I
turned to books.

Having those books, having those people that have built billion
dollar fortunes, and seeing what decisions they make and how they operate, is
what I’ve used as mentoring as well.

Ask business owners or investors you look up to. But don’t
come out and ask ‘hey can you be my mentor?’ Play it cool. Go for coffee and
follow up with a few emails.

5.
Gratitude

Wealthy people practice gratitude every day. There’s nothing
worse than thinking and comparing yourself to others and saying how far you are
behind. Instead of saying I don’t have this, be grateful for what you do have.
There are plenty of people out there who believe that you are living a version
of their best life.

So if you’re getting sick and tired of going to work, rather
than waking up and saying, “I have to go to work today,” wake up and
say, “ I get to go to work today,” because there are plenty of people
who are out there struggling that don’t have employment who would like to be in
your opportunity and take advantage of what you have.

So, practice some gratitude. It changes that way you think,
you become a lot more satisfied with life, so you’re not out there chasing the
material things. Instead, you’re starting to chase what feeling gratitude allows
you to become.

By building your mindset, this is the muscle that you need
to raise your wealth. Once you’re able to start to doing that, and hone that,
then the money part will become easier. It’s probably 80% mindset and 20%
process, so by working on your mindset, this will go a long way towards raising
your wealth.

Don’t have the Raiz App?

Download it for free in the App store or the Webapp below:

Important Information

The information may be based on assumptions or market conditions which change without notice. This could impact the accuracy of the information.

Under no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz Invest or Raiz Invest Super.

Past return performance of the Raiz products should not be relied on for making a decision to invest in a Raiz product and is not a good predictor of future performance.

Read Post

Whilst you don’t care
about retirement now (we get it, why would you if you’re young?), we can almost
guarantee you that one day you probably will. This may happen when you start a
family or just when you get older (which also we can pretty much guarantee). So,
don’t forget that your Superannuation is still
your money, just like it is your money in a bank account or your Raiz
account. You have spent time learning
to be more financially confident, so it is just as important to understand
Superannuation and how to get the most out of it.

How is your Superannuation funded?

Your employer will pay contributions
to your super fund on your behalf. It’s required that your employer pays at
least 9.5% of your salary at all times. However, it may be a great idea to
explore boosting your super balance even further and letting the power of
compound interest do its magic if you can afford it. Like the Raiz Philosophy
of investing small amounts regularly, what might be insignificant amounts now,
will add-up over your working life and could mean a big difference to your
lifestyle upon retirement.

Last year, the government
announced you can also voluntary contribute on top of the employee guarantee
payment further, cash taking the total up to $25,000 per annum and that this contribution
will be before tax (check with your advisor or superannuation fund on how this
is done). This extra ability to do voluntary contribution rolls forward for 3
years. This means if you didn’t voluntarily contribute this year, your cap
rises to $50,0000 the following financial year ($25,000 from first year, and
$25,000 from the second year).

What’s the first step to getting your Super under control? –
Consolidate.

Every year, billions of
dollars are lost in fees paid to manage and administer your super, mainly due
to a lack of consolidating your super. This is because many superannuation
funds charge a flat fee for administration. If you’ve had a lot of jobs
(casual, part time or full time), you may have all your money sitting in
separate funds or lost supers and having to pay flat fees on each fund. Consolidating all
these into one super fund could help you save on fees and help you feel more
financially confident by managing this money all in one place. Tools such as
Raiz Super, once fully launched, can help you search for all your Supers
through your TFN and can consolidate them on your behalf. For more information on Raiz fees, click here.

Did you know?

Australia was one of the few countries to avoid a major recession during the GFC, with some economists believing that Australia’s superannuation system is what helped prevent it.
Australian superannuation is the fourth largest asset pool in the world and totaled approximately $2.6 trillion in 2017.
All Superannuation products in Australia, including Raiz Super, are governed by five separate regulatory bodies including Superannuation Complaints Tribunal, Australian Taxation Office, Australian Securities and Investments Commission, Australian Prudential Regulation Authority and the Department of Human Services

Why is Super important?

Today, the average person changes jobs ten to fifteen times during his
or her career. Future generations are predicted to have this increased to 17
employer changes across five different careers. This means it will be more
important than ever to know where your superannuation contributions are going,
and how you can make the most out of it for your retirement by reducing the
fees you pay now. We know you probably
don’t care about retirement now, but you will one day. For this reason, like
your bank or Raiz account, your superannuation fund should never be out of
sight, or out of mind. It is your money and your funds for living a comfortable
future 🙂

Don’t have the Raiz App?

Download it for free in the App store or the Webapp below:

Important Information

The information may be based on assumptions or market conditions which change without notice. This could impact the accuracy of the information.

Under no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz Invest or Raiz Invest Super.

Past return performance of the Raiz products should not be relied on for making a decision to invest in a Raiz product and is not a good predictor of future performance.

Read Post

1. An active Raiz Account must be held (account balance greater than $5). Raiz account holders hold valid accounts as set out in the product disclosure statement found on the website: www.raizinvest.com.au

2. Entries open Thursday 24^th May 2018 at 5.30PM and entries close Thursday 31st May 2018 at 5.30PM. To enter, one must comment on the Facebook post within the time frame stated above.

3. Raiz Invest will select five winners with a $100.00 credit investments in their active Raiz Investment Account. These five investments will be selected at Raiz’s discretion.

4. These five Raiz Account holders will be requested to message us their email and will be notified by email when the credit investment is deposited into their Raiz account by Friday 8th June 2018.

6. The permit number in the format “NSW Permit No.

LTPM/17/02522.”

7. This promotion is in no way sponsored, endorsed or administered by, or associated with any other third party.

8. By entering this promotion, you agree that we may use entries for future marketing purposes in any media or branding.

9. The competition is promoted by Raiz Invest Australia Limited, Level 11/2 Bulletin Place Sydney 2000 NSW, 1300 754 748. ABN 26 604 402 815, who is the Authorised Representative of AFSL 434776. The Raiz product is issued in Australia by Instreet Investment Limited (ACN 128 813 016 AFSL 434776) and promoted by Raiz Invest Australia Limited (ACN 604 402 815). A Product Disclosure Statement dated 1st June 2017 for this product is available on the Raiz website and App. A person should read and consider the Product Disclosure Statement in deciding whether or not to acquire and continue to hold interests in the product. The risks of investing in this product are fully set out in the Product Disclosure Statement, and include the risks that would ordinarily apply to investing.

NSW Permit No.

LTPM/17/02522

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Media Release

10 May 2018

Raiz Invest Limited (“Raiz” or “the Company”, formerly known as Acorns Grow Australia), Australia’s first mobile-led investing platform, today announced the lodgement of its prospectus for the Company’s public offering to raise over $15 million from investors.

The offering, which is fully underwritten, will provide current Raiz customers with priority access, while also allowing institutional and retail investors the opportunity to participate. Shares will be issued at $1.80, valuing the company at approximately $119 million. The offer is expected to close on 1 June 2018 with official listing targeted for 21 June 2018.

Raiz is a first of its kind Australian, mobile-led, financial services business offering customers an easy way to regularly invest either small or large amounts using its micro-investment platform available via the app or the web. Raiz’s model is centred on breaking down the barriers to investing, giving customer’s confidence in their finances and offering products driven by their feedback and needs. Its end-to-end technology platform, including registry, operations, administration, fund management and customer communication, allows Raiz to deliver a superior customer experience and build-out its product portfolio.

Since launching in 2016, Raiz has achieved solid growth, amassing over 440,000 signups, with over 155,000 active monthly customers and over $170 million funds under management. The business most recently changed its name from Acorns Grow Australia to Raiz Invest. It is well known for its ‘Round up’, which allows customers to invest spare change from purchases.

With significant first mover advantage in technology-led financial services and having now established its core micro-investing product feature, together with a loyal and growing customer base, Raiz is well placed to expand its unquie and simple business model both domestically and offshore. Funds from the offer will be used to support the Company’s growth strategy to expand its products and services and also extend its offering offshore, thereby increasing customers.

Managing Director of Raiz, Mr. George Lucas, said, “The public offering of Raiz marks the next step in the growth of the business as we seek to expand our customer base in Australia, offering customer-led innovative products, such as superannuation, and expand into South-East Asia. Raiz has improved financial literacy, financial inclusion and broadened capital market participation in Australia and this is an attractive proposition for South-East Asian markets.

“As part of the offering, we are excited to offer current customers the opportunity to invest and participate in the future growth of our business.

“In the more than two years that Raiz has been in operation, it has received overwhelming positive support and feedback from its customers about its affordable service, reflected in the strong growth in active customers and funds under management that we have achieved.

“Through technology, we are breaking down the barriers that have previously prevented many Australian’s from saving and investing. This helps our customers to build confidence in managing their own finances as well as increasing their financial literacy. Our philosophy of investing small amounts regularly has resonated with our customer base. Raiz makes this happen automatically, in the background of life, reducing some of the stress associated with managing your finances.”

Raiz’s competitive advantage is that it leverages technology to offer and facilitate the provision of affordable financial services and products at a lower cost, with greater efficiency, than a traditional financial services business. The business is able to cost-effectively tap into Australia’s huge appetite for financial services.

Timetable Dates

Lodgement of Prospectus with ASIC

Wednesday, 9 May 2018

Offer opens

Thursday, 17 May 2018

Offer closes (5pm)

Friday, 1 June 2018

Settlement date

Wednesday, 6 June 2018

Expected commencement of trading on the ASX

Thursday, 21 June 2018

Don’t have the Raiz App?

Download it for free in the App store or the Webapp below:

Important Information

The information may be based on assumptions or market conditions which change without notice. This could impact the accuracy of the information.

Under no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz Invest or Raiz Invest Super.

Past return performance of the Raiz products should not be relied on for making a decision to invest in a Raiz product and is not a good predictor of future performance.

Read Post

From George Lucas (Managing Director/CEO):

I would like to thank everyone for the support around the name change to Raiz and the associated rebranding. It was an arduous process for us and we still have lots of work to do to ensure you that all the qualities of the old Acorns remain. We also want to ensure that Raiz gives us a platform and opportunity to improve the features of the App and the service we provide to you. I believe becoming an independent Australian company will allow us to achieve these goals.

Finding a unique name in financial services wasn’t easy. We started with a list of over 500 names. From the top 50 names, we did URL searches and found they were all taken. We then looked at the next 50 names, some were taken when we did the URL search, the rest failed when we did trademark searches. Therefore, in the end we needed one that could be uniquely spelt and one we could build our new brand around.

Despite these limitations, we picked Raiz based on the feedback from our community, wanting us to at the foremost continue championing the opportunity to raise your wealth, raise your financial confidence and raise your investment knowledge, all in the background of life. For more information on Raiz fees, click here.

For those who need a meaning to the word Raiz, it also symbolises the root of a plant, continuing the idea of growth and the importance of having the right foundations to raiz your wealth. For me, it is about ensuring that the team can create a personality around the name which will continue allowing us to enable your financial confidence and wellbeing.

Thanks again for your support and feedback – good and bad. Please update the App with the new name and brand by going to the “Updates” section of the app store. Look out for the new releases and more new features coming to your App Store soon!

George Lucas
Managing Director/CEO

Don’t have the Raiz App?

Download it for free in the App store or the Webapp below:

Important Information

The information may be based on assumptions or market conditions which change without notice. This could impact the accuracy of the information.

Under no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz Invest or Raiz Invest Super.

Past return performance of the Raiz products should not be relied on for making a decision to invest in a Raiz product and is not a good predictor of future performance.

Read Post

Today, we are sad to farewell the original US Acorns brand, and excited to announce the launch of our new brand and name. It has felt like a long journey for us over the last 2 years, which has led us to becoming an independent Australian company. We couldn’t have done it without your support.

Acorns Australia business is changing its name to Raiz.

We are the same same, but different name. Whilst our name has changed, the App, our service and our commitment to raiz your financial confidence remains the same. The new App will be released overnight, and the old App should continue to work.

So what do you need to do now? Nothing. Not a single thing. We are taking care of everything to ensure this transition is as smooth as possible and does not interrupt the experience you know, and we hope love.

This hasn’t been easy, so we appreciate everyone who has given us feedback, support and suggestions in shaping the new brand.

Over the coming week, you will start to see our new brand rolling out across our social pages and emails.

If you have any questions or concerns, we are always here to listen. Please feel free to contact us through support@raizinvest.com.au or call us on 1300 754 748.

Thanks for your support,

Your Raiz Invest Team 😊!

Click to view our video here

Don’t have the Raiz App?

Download it for free in the App store or the Webapp below:

Important Information

The information may be based on assumptions or market conditions which change without notice. This could impact the accuracy of the information.

Under no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz Invest or Raiz Invest Super.

Past return performance of the Raiz products should not be relied on for making a decision to invest in a Raiz product and is not a good predictor of future performance.

Read Post

Terms & Conditions for completing our ‘Improving our Community & Brand’ online survey.

1. An active Acorns Grow Australia Account must be held (account balance greater than $5). Acorns account holders hold valid accounts as set out in the product disclosure statement found on the website: www.acornsau.com.au.

2. Entries open Sunday, 1st April 2018 at 4pm and entries close Saturday 7th April 2018 at 11.59pm. To enter one must complete in full the ‘Improving our Community & Brand’ within the timeframe stated above and provide the email address on your Active Acorns Grow Australia Investment account at the end of the survey.

3. To thank you for completing the Survey, Acorns Grow Australia will be giving away five $50.00 credit investments in their active Acorns Grow Australia Investment Account. These five investments will be selected at random.

4. These five random Acorns Account holders will be notified by email when the credit investments will be deposited into their Acorns account by Saturday, 28th April 2018.

6. The permit number in the format “ NSW Permit No. LTPM/17/02522 .”

7. This promotion is in no way sponsored, endorsed or administered by, or associated with any other third party.

8. The survey competition is promoted by Acorns Grow Australia Limited, Level 11/2 Bulletin Place Sydney 2000 NSW, 1300 754 748. ABN 26 604 402 815, who is the Authorised Representative of AFSL 434776. The Acorns product will be issued in Australia by Instreet Investment Limited (ACN 128 813 016 AFSL 434776) and promoted by Acorns Grow Australia Limited (ACN 604 402 815). A Product Disclosure Statement dated 1st June 2017 for this product is available on the Acorns website and App. A person should read and consider the Product Disclosure Statement in deciding whether or not to acquire and continue to hold interests in the product. The risks of investing in this product are fully set out in the Product Disclosure Statement, and include the risks that would ordinarily apply to investing.

9. “Acorns” and “Invest the Change” are registered trademarks of Acorns Grow, Inc.

NSW Permit No. LTPM/17/02522

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Terms & Conditions for Tinybeans Giveaway July 2018

2. Entries open Wednesday, 18 July 2018 and entries close Sunday 29 July 2018 at 11.59pm. To enter one must create an active Raiz Account with at least one Raiz Kid using the download links in the Giveaway email within the timeframe stated above with an account balance greater than $5.

3. For being a Tinybeans user and new Raiz user, we will be giving away ten $100.00 credit investments in their active Raiz Investment Account. These ten investments will be selected at random.

4. These ten random Raiz Account holders will be notified by email when the credit investments will be deposited into their Raiz account by Sunday, 12 August 2018.

6. The permit number in the format “NSW Permit No. LTPM/17/02522.”

7. This promotion is sponsored by Tinybeans – https://tinybeans.com/

8. The survey competition is promoted by Raiz Invest Australia Limited, Level 11/2 Bulletin Place Sydney 2000 NSW, 1300 754 748. ABN 26 604 402 815, who is the Authorised Representative of AFSL 434776. The Raiz Invest Australia Fund is issued in Australia by Instreet Investment Limited (ACN 128 813 016 AFSL 434776) a subsidiary of Raiz Invest Limited and promoted by Raiz Invest Australia Limited (ACN 604 402 815). A Product Disclosure Statement dated 10 April 2018 for this product is available on the Raiz website and App. A person should read and consider the Product Disclosure Statement in deciding whether or not to acquire and continue to hold interests in the product. The risks of investing in this product are fully set out in the Product Disclosure Statement, and include the risks that would ordinarily apply to investing.

NSW Permit No. LTPM/17/02522

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The
Raiz philosophy is to invest small amounts regularly, no matter the market
condition, as this strategy can minimise the risk of investing in markets and
we believe is one of the keys to having a healthier balance over the long run.

All
your investments, whether it be your spare change from round-ups, lump sums or
recurring deposits, are invested into one of the 6 diversified portfolios that
were constructed with help from the Nobel Prize winning economist and father of
Modern Portfolio Theory, Dr. Harry Markowitz.

What
is a diversified portfolio?

To
find the right balance between risk and reward, your money is never invested
into one specific share or company. It is instead invested across a bundle of
shares or bonds that form one financial product, called an Exchange Traded Fund
(ETF).

The
Raiz portfolios are made up of a combination of different ETFs that range from
cash, bonds, Australian and international shares. Every investment you make
will be allocated towards these ETFs. For more information on Raiz fees, click here.

Watch our video on – How our Raiz Portfolios are built

Let’s
take a deeper look into these ETFs:

The
first six are called ‘Large Cap Stocks’

1. Australia
Large Cap Stocks (ASX:STW)

2. Asia
Large Cap Stocks (ASX:IAA)

3. Europe
Large Cap Stocks (ASX:IEU)

4. US
Large Cap Stocks (ASX:IVV)

5. Australia
Social Responsible Large Cap (ASX:RARI)

6. Global
Socially Responsible Large Cap (ASX:ETHI)

What
are large cap stocks?

Large
cap stocks are the biggest companies on their respective country’s stock
exchange in terms of market capitalisation – or total dollar value of a
company. Companies that fall in this category tend to be in established
industries and are major players in their field. Large cap stocks can be a
safer option as their earnings may be more consistent than less-established
companies, making them more likely to show returns over time.

Examples
of Large Cap stocks that your investments can go towards are international
shares such as Apple, Google & Microsoft and Australian shares such as
Telstra, Westpac & Woolworths.

You
can also see all the hundreds of companies that make up these ETFs by searching
for the ETF code or the provider from our product disclosure statement.

7. Australia
Government Bonds (ASX:IAF)

Australia
Government bonds are viewed as more secured and as less risky investment
products than large cap stocks. It differs to stocks as you are instead
essentially lending money to the government at an agreed interest rate. The
government will then pay the interest and return the money that was lent at
maturity. Rather than hold a bond to maturity though, they can also
be traded. The risk is therefore tied to the ability of the Australian
Government to pay you back both the interest and the money that was lent at the
end.

8. Australia
Corporate Bonds (ASX:RCB)

Similar
to government bonds, corporate bonds are a way for Australian companies to
raise money, by borrowing from you. The business will pay the interest and
return the money lent. It can also be traded on an exchange before maturity.
The risk is again therefore tied to the ability of the Corporate to pay you
back both the interest and the money that was lent at the end.

9. Australian
Money Market (ASX:AAA)

This
ETF is invested into the money market, which has the least volatility. The fund
focuses on investing in term deposits and high interest accounts
offered by banks in Australia. As these tend to be short dated, the risk
that a bank cannot repay both the interest and the money back is low.

What
are the allocations for the ETFs?

We
invest your money in a combination of the above ETFs on a sliding scale
depending on how aggressive or conservative you want to be with your
investments. Conservative portfolios will have a bigger allocation in bonds
& cash, while the more aggressive portfolios will have a bigger allocation
in Australian and international shares.

You
will be able to find the exact allocations that makes up your portfolio in
our product disclosure statement.

Example
of allocation for the Aggressive portfolio:

How
can I keep track?

The
Raiz app will give you the daily, monthly and yearly performance of your
portfolio. You are also able to keep track of the individual ETF’s performance
yourself through the web or via a stock app. Keep in mind though, markets go up
and markets go down. Therefore, it is important to look at the long-term big
picture and not the daily fluctuations. You can find more in our blog, The Advantages of Dollar Cost Averaging

Don’t have the Raiz App?

Download it for free in the App store or the Webapp below:

Important Information

The information may be based on assumptions or market conditions which change without notice. This could impact the accuracy of the information.

Under no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz Invest or Raiz Invest Super.

Past return performance of the Raiz products should not be relied on for making a decision to invest in a Raiz product and is not a good predictor of future performance.

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Uncategorized Archives - Page 46 of 53 - Raiz Invest

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Don’t have the Raiz App?

What’s the first step to getting your Super under control? –
Consolidate.

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is a diversified portfolio?

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How
can I keep track?