App Guide

Table of Contents

1. Home Screen

2. Past Screen

3. Future Screen

4. Round-Ups

5. Whole Dollar Round-Ups

6. Linking and Unlinking Spending Accounts for Round-Ups

7. Linking and Changing your Funding Account

8. Access your Statements

9. Performance Screen

10. Positions Screen

11. Portfolios Screen

12. Add funds and Withdraw

13. Set a Recurring Deposit/Savings Goal

14. Raiz Kids

15. Raiz Rewards

16. Offsetters

17. My Finance

18. Raiz Invest Super

When you log into your Raiz account, you land on the Home screen (also called Today screen) where you can see your current balances. The Home screen displays the balances of your Main Portfolio account, Jars, Kids, and your Superannuation (if you have one). At the top of the screen you can also navigate to the Past and Future screens.

1. Your total investments value
Displays the total amount of investments including Main Portfolio, Jars, and Kids. This does not include Superannuation.

2. Add funds
Add a one-time or recurring lump-sum to any accounts in Main Portfolio, Kids, or Jars.

3. Withdraw
Withdraw from any accounts in Main Portfolio, Kids, or Jars.

4. Performance details
View the performance of your Raiz accounts, including gains and losses over different time periods. Filter by Main Portfolio, Jars, or Kids to see each account’s performance individually.

5. Rewards
Shop from different brands, track pending cashback, and earn bonuses from completed surveys.

6. Main Portfolio
Displays the current balance of your Raiz account. This balance does not include Jars or Kids balances.

7. Jars
Displays the number of active Jars accounts and the total balance. Jars is your personalised goals, designed to help you stay organised and on track.

8. Kids
Shows the number of active Kids accounts and the total balance. Kids is a simple way for parents to save and invest for their children and help them start adulthood with a solid financial foundation.

9. Superannuation
Displays the total value of your Superannuation account, if you have a Raiz Invest Super account.

The Past tab is located at the top of the home page. The transaction history on the Past screen shows any pending and completed Buy (deposit) and Sell (withdrawal) orders, transfers to and from your Kids or Jars, rebalances, and any reinvested Dividends.

To cancel a pending transaction, select it and tap ‘Cancel Transaction’. Please note that if you can’t find the “Cancel Transaction” button, it’s because your investment is being processed and can no longer be cancelled.

Keep in mind that deposits to your Raiz account take 2-3 business days to process, and withdrawals take up to 5 business days to process into your bank account. Withdrawals take an extra few days because industry regulations require a 2-day settlement period after investments are sold before the money can be transferred out of an investment account. For your security you may be asked for further verification which can cause the withdrawal process to take a bit longer.

1. Portfolios
Shows the number of preset portfolios you have access to with your current plan.

2. Net invested by you
Total invested by you (minus any withdrawals) since opening your account.

3. Rewards
Total cash invested through Raiz Rewards since opening your account, including cashback and completed surveys.

4. Promos & Referrals
Total bonuses invested from referrals and other promotions since opening your account.

5. Total invested to date
Total invested by you since opening your account.

6. Market return to date
Market gains/losses since opening your account. Excludes dividends.

7. Dividends
Total dividends earned and reinvested since opening your account.

8. Total returns
Total gains/losses since opening your account, including reinvested dividends.

9. Transaction history
A chronological log of all account activity. Tap any transaction to view its details. You can also filter transactions by account, type or date range, and export a PDF of your transaction history to be sent to your email.

Our Future screen gives you a unique window into the outlook for your investment. The future screen displays a graph that shows you an estimated value projection of your investment, based on your selected portfolio, age and monthly deposit amount. Please note that the projected values shown are hypothetical in nature and should not be relied upon.

To adjust the projected monthly amount deposited, tap and drag the white dot on the graph up and down. To adjust the age, tap and drag the white dot horizontally from side to side.

1. Projected Value
The projected value of your Raiz account based on the given age, monthly deposit amount and portfolio.

2. Adjust graph
Tap and drag on this dot to adjust your projected value. Drag left to right to change age, or up and down to change the monthly deposit amount.

3. Age
The age at which your account value may reach the projected value.

4. Periodic Investment
The deposit amount that the graph is using to project your future account value based on your selected frequency.

5. Portfolio
The portfolio used to model the graph.

6. View my portfolio
Brings you to the portfolio selection page to update your portfolio.

When you register for a Raiz account, Automatic Round-Ups are turned on by default if you have a linked spending account. You can turn off automatic Round-Ups if you want to manually approve Round-Ups on your transactions. With Automatic Round-Ups turned on, the app will monitor your spending and automatically approve and invest your Round-Ups for you. With Automatic Round-Ups turned off, you must manually approve each Round-Up to be invested.

To enable or disable automatic Round-Ups, login to the app and go to:

1. Side nav bar

2. Round-Ups

3. Select or unselect Auto Round-Ups.

If Automatic Round-Ups are disabled, you can choose to manually Round-Up your transactions. Simply go to the Round-Ups screen and select the + symbol next to each Round-Up transaction you would like to invest. A Raiz logo will appear next to transactions that have already been invested.

Please note that both automatic and manual Round-Ups have a minimum threshold of $5 which must be reached before they are invested. This threshold is automatically adjusted for you based on your spending habits; however, it can also be specified under the ‘Smart Round-Ups’ section of your Round-Ups settings. Once your Round-Ups reach this threshold, Raiz initiates the investment, and the transaction will be shown as pending on the History screen. Please allow 2-3 business days for investments to be processed.

1. Auto Round-Ups threshold
Current total dollar value of Auto Round-Ups, which will be invested once they reach your threshold.

2. Manual Round-Ups threshold
Current total dollar value of Manual Round-Ups, which will be invested once they reach your threshold. Tap to manually reach the threshold and invest now.

3. Available Round-Up
Tap the + to manually Round-Up a transaction.

4. Invested Round-Up
Raiz icon means the transaction has been Rounded-Up.

The app’s default behaviour is to Round-Up all transactions to the next dollar. When you make an even whole dollar transaction, such as spending $25.00 at a movie theatre, the app will Round-Up $1.00 for you (or allow you to round up $1.00 if you don’t have Automatic Round-Ups turned on). If you wish to decrease the amount that is Rounded-Up on whole dollar transactions, please follow the instructions below to configure it to any sub-dollar amount, even $0.00.

To adjust Round-Ups for whole dollar transactions, go to:

• Side nav bar

• Round-Ups

• In the Round-Ups Settings, drag the slider to choose the set amount that gets invested when you have a whole dollar transaction.

1. Minimum Round-Ups amount
Once your Round-Ups reach this threshold, Raiz initiates the investment.

2. Multiply your Round-Ups
This is the value at which we will multiply your round-ups before debiting from your funding account.

3. Round-Ups for whole dollar transactions
Slide to adjust whole dollar Round-Ups amount.

To link a spending account to Raiz you will need to be using an eligible bank that you can provide online banking login details for. Your security is our highest priority, which you can read about here. To link or unlink your bank as a Spending Account to be monitored for Round-Ups, go to:

• Side nav bar

• Round-Ups

• Linked accounts for Round-Ups

• To link a new Spending Account, tap ‘Add an account’ and follow the prompts on the following screens. For further instructions, see our Registration Guide.

• To select additional Spending Accounts to monitor for Round-Ups (effectively turning them on for Round-Ups), tap the plus signs next to the sub-accounts that you wish to use for Round-Ups. These will usually be the bank accounts that you often use for purchases. Some accounts with infrequent activity may not show any Round-Ups once they are activated. Once you have selected a bank account for Round-Ups, its plus sign will turn into a green circle with a check mark in it.

• To deselect Spending Accounts so that they will not be used for Round-Ups, simply tap their green circles with check marks, which will turn back into plus signs.

• To unlink an entire Bank Account and therefore all its Spending Accounts, go to Manage consent and data sharing and tap Unlink next to the bank or credit provider name.

1. Link/Unlink Spending account
Tap the + sign to select a Spending Account. A green check means that the account is linked.

2. Add an account
Add another bank as a Spending Account.

To link or unlink a funding account, go to:

• Settings

• Funding account

• To link a Funding Account using your online banking details, tap on your bank and follow the on-screen prompts.

• If your bank is not listed, tap on ‘See 100+ More Financial Institutions’.

• To change your funding account tap ‘Change’ on the funding account screen and go through the same steps as above. Please note that you may be required to go through some additional verification steps to change your funding account.

1. Link bank as your Funding Account
Tap any bank and follow on-screen prompts to link with your online banking login. Tap See more to display other banks.

2. Enter bank details manually
Link your bank account manually using a BSB and Account Number.

Raiz automatically provides you with monthly account statements, annual tax reports, and daily trade confirmations. To access these, go to:

• Settings

• Statements and reports

From the Statements screen, you can navigate between your different statements by tapping on the bar below your account value.

You can view your statements in a browser by tapping on them, or have them emailed to you by tapping the mail icon to the right of each statement.

Tap on ‘Select’ in the top right of the screen to select and email multiple statements at the same time. Just tap the grey circles next to the statements you wish to select and then tap ‘Send to email’.

You can request to have a .csv file of your statements sent to you by contacting [email protected]

1. Statement type
Tap on the different options to change which statements you are viewing.

2. Select multiple statements
Tap and then select the statements you want emailed to you in one batch.

3. Open/Email Statement
Tap to open your statement. Tap the email icon to have it emailed to your linked email address.

The performance screen shows you how your Raiz balance has changed over time. By tapping and dragging your finger across the graph you can see information about your balance for different dates.

At the bottom of the screen you can change the time period to view your balance, starting at 1 day on the left, and then moving to 1 month, 3 months, 6 months, 1 year and All Time.

The big number at the top is your account value, and underneath that shows your market returns for the selected period. You can read about how the percentage is calculated here.

The graph itself displays two lines. The white line is your total balance, including market returns. The green line represents ‘invested by you’ which is all of your deposits minus any withdrawals. The difference between these two lines represents any market gains/losses at that point in time.

The table at the bottom of the graph shows you the cumulative amount for a few different values that contribute to your Raiz account balance. The date for these values changes as you drag your finger along the graph. The ‘Rewards’ figure includes Raiz Rewards and Referral bonuses.

1. Account value
This is your total account balance for the selected date and selected account. You can select Main Portfolio, Jars, and Kids.

2. Change in Value
Displays the total change in value of your portfolio over the selected time period.

3. Invested by you timeline
This dotted line shows how much you have invested over time. It does not include market returns.

4. Account balance timeline
This white line shows your balance over time, which includes invested by you and market returns. Slide your finger across the screen to change the date.

5. Total invested and Total returns
Shows the total invested in your account and returns from the selected account and time period.

6. Switch views/time period
Tap on the bar to change the time period of your performance chart. Swipe left to view your positions screen.

To navigate to this screen, go to your performance screen and then swipe left.

The big number at the top of this screen is your account value. This is the same value displayed on your home screen.

Using the navigation bar under your account value, you can choose between the dollar values, percentages, and number of units you have for each holding in your Raiz portfolio.

Under the navigation bar, you can tap on a fund to access its information and historical performance.

1. Investment Value
The total value of your selected account.

2. Holdings
Tap on a holding to see a detailed view of its performance.

3. Switch views
Swipe left and right to change between your account value performance graph and positions.

Raiz offers 8 different portfolios in Standard plan and 6 in Plus plan. Each has its set asset allocations, comprised of varying allocations of ETFs and Bitcoin based on different degrees of risk. You can change your portfolio at any time. You might consider changing your portfolio if your investment goals, time horizon, preferred level of risk, or other factors change.

Change your portfolio at any time by accessing the app and selecting:

• Main Portfolio

• Your portfolio

• Select the plan

• In Standard plan, tap one of the 8 different selectable circles, each representing a different portfolio.

• In Plus plan, tap the Base Portfolio then tap one of the 6 different selectable circles.

• Once you have decided on a portfolio, confirm this change by tapping ‘Select as your portfolio’.

1. Portfolio Selection
Tap on the circles to view your portfolio options.

2. ETF
Tap to view more details about the ETF, including featured holdings.

3. Select as your portfolio
Tap to change your portfolio.

The portfolio that you select determines how we invest your money. The funds that you deposit into your Raiz account are invested according to the target allocations of your selected portfolio. If your account moves too far away from the target asset allocation, or when you deposit or withdraw money, Raiz will automatically rebalance your positions by selling and/or purchasing shares or fractional shares of the ETFs (or bitcoin), to bring them back in line with your target allocation. A rebalancing will also occur when you change your portfolio.

It’s easy to add funds and withdraw money with Raiz. From the home screen tap on invest, where you’ll then see two buttons at the top of the screen, one to add funds and one to withdraw. You can withdraw through the app at any time without penalty, however the withdrawal may not be actioned until the next business day by Raiz. The minimum investment is $5. Deposits take 2-3 business days to be invested into your Raiz account, whilst withdrawals can take up to 5 business days for the funds to reach your nominated funding account. You can view the status of and cancel deposits and withdrawals in the ‘Past’ tab.

Recurring Deposits and Savings Goals make it easy to regularly add money to your Raiz account, helping you stay disciplined with your investing and reach your investing goals.

If you did not set up a Recurring Deposit/Savings Goal when you signed up to Raiz, you can set one up through the ‘Invest’ section of the app.

To set up a recurring investment just select the amount of money you wish to invest regularly and then choose a time period that suits you – whether that’s on a daily, weekly, fortnightly or monthly basis.

Along with your recurring investment, you can also choose to create an accompanying savings goal, allowing you to pick something to save for and track your progress in reaching a target balance. To create a savings goal, tap on the savings goal switch on the screen when you are setting or changing a recurring investment.

1. Recurring Investment Amount
Tap on the number to input the amount you want to contribute to every recurring investment.

2. Frequency
Tap to choose the frequency that your recurring investment is automatically deposited.

3. Set recurring investment
Once you have selected the recurring investment amount and frequency, tap to set the investment.

Raiz Kids is a simple way for parents to save and invest for their children and help them start adulthood with a solid financial basis. Grandparents can also save for Grand Children.

Part of the Raiz app, Raiz Kids enables you to set up to eight Raiz sub-accounts for anyone under the age of 18. An exciting feature of the Raiz Kids platform is the option for your Kids to have their own direct access to their investment portfolio! It’s an awesome way to teach your kids about taking care of their money and developing positive savings and investing habits.

With the new and improved Raiz Kids platform, you’ll be able to create different portfolios for each child, create recurring investments and modify and monitor their ability to make changes to their Raiz Invest Kids Accounts.

How to set up a Raiz Kids Account:

1. In the Home Page of the Raiz App or website, tap Kids and tap the add kids icon on the top right.

2. Enter the personal information for your child:

• Personal Info: Enter their name and Date of Birth.

• Raiz Kid Access: Select access controls relating to the recurring investments and portfolio.

• Initial Investment Amount: Select an initial one-off investment into their new account.

• Investment by this Raiz Kid: If you have chosen to grant the Raiz Kid their own access, you can set the investment limits.

• Recurring Investments: Create a recurring Investment, whether it’s Daily, Weekly, Fortnightly or Monthly.

• Portfolio Selection: Select from one of our expertly designed portfolios or make one up of your own.

Any investments made into the Raiz Kids Account, whether via a lump sum investment, recurring investment or automatic round-up, will be debited either from your funding account or Raiz account.

1. Raiz Kids Balance
The current balance of your Raiz Kid.

2. Make an investment
Make an investment into your Raiz Kids account from your funding or Raiz account.

3. Make a withdrawal
Make a withdrawal from your Raiz Kids account to your funding or Raiz account.

4. Performance
View the investment performance of your Raiz Kid.

5. Recurring
View the recurring deposit setting of your Raiz Kid.

6. Portfolio
View/change the portfolio of your Raiz Kid.

7. Statements
Access financial statements for your Raiz Kids account.

8. Dividends
View the upcoming and invested dividends of your Raiz Kid.

9. Investment History
View past and pending investments.

10. Settings
Edit your Raiz Kids account profile, access and notifications.

Raiz Rewards is our cashback, or rather “cash-forward”, loyalty program. Each time you shop with your favourite brands through Raiz Rewards, you will earn a cash reward direct from the brand invested back into your Raiz or Raiz Invest Super account.

To shop online, from within your Raiz App, tap on Rewards, select the brand you would like to purchase from, tap the ‘Shop Now’ link and make your purchase immediately. By clicking on the link, the brands can automatically track your purchase and invest the reward into your Raiz or Raiz Invest Super account.

To shop in-store, you need to activate the in-store offer within Raiz Rewards before you make a purchase at one of the brand’s Australian stores. Each in-store brand has a start and end date for their offer, you only need to activate the offer once during those dates and any purchases made on your linked spending card will be eligible.

Raiz Rewards are typically reinvested back into your Raiz account within 100 days from the date of purchase. Each partner link has their own terms and conditions (T&Cs). Please make sure you read the T&Cs for the partner before using Raiz Rewards.

1. Search brands
Tap to search for available brands.

2. Categories
Tap on the different tiles to filter by category.

3. Shop with a brand
Tap to open a brand and then click through the link to be eligible for a Raiz Reward on top of your purchase.

Offsetters is our environmentally conscious community which helps fund projects to offset your carbon footprint. An Offsetters subscription is $3.70 a month. To become a member of the Raiz Offsetters program you can scroll down on the homepage and tap on ‘Learn More’ in the Offsetters tile. From here, simply tap on ‘Join Offsetters Now’.

You can choose to unsubscribe from Offsetters by going to:

• Side nav bar

• Offsetters

• Unsubscribe

• Tapping the ‘Yes’ button

If you wish to become an Offsetter again you can follow the same steps to resubscribe.

The My Finance tab is a useful tool within Raiz to help track and categorise your spending, which can assist in creating and sticking to your budget. My Finance will only analyse transactions made from your linked spending accounts. To view your My Finance page, tap on the side nav bar tab located on the top left of your Home page and select the My Finance option. Within the My Finance page you can choose to categorise transactions, see where you spend, and forecast income and spending.

To categorise your uncategorised transactions tap on the ‘Categorise Transactions’ button. You can then individually assign a category to each transaction by tapping on each.

You can track where you spend by tapping on the ‘See More’ option in the My Finance page. In the Where You Spend page you will be able to see a detailed breakdown of your expenses each month including the dollar and percentage values of each category. You can also compare month-to-month spending by using the interactive graph on the top of the page.

The app allows you to forecast income and spending to help with cash flow in the next 30 days. You can find this by scrolling down on the My Finance page and tapping on the ‘Forecast’ button. The app takes an estimate of your income and expenses to forecast any potential spare cash.

1. Category Spending
A breakdown of what categories you have spent the most on for the current month.

2. See More
Tap to see a more detailed breakdown of your categorised spending and view across previous months.

3. Categorise Transactions
Manually assign categories to your transactions.

4. Forecast
Forecast any potential spare cash.

You can access your Raiz Invest Super account by clicking on the Superannuation option on the home screen. Once on the Raiz Invest Super screen you will be presented with many options including your Super Account Information, Invest a Lump Sum, your choice of Portfolio, turning on/off Raiz Reward contribution and setting up a Recurring investment into your Raiz Invest Super account.

You can view the history of your Raiz Invest Super account by scrolling down and selecting the ‘History Details’ button. Like your regular Raiz account, the Raiz Invest Super ‘History details’ displays your total Employer Contributions, your own personal contributions, reinvested dividends, market returns and the total Rollover amount over the history of your Raiz Invest Super account.

To view the performance of your Raiz Invest Super account you can scroll further down on the Raiz Invest Super screen and tap on ‘performance details’. From here you will be able to adjust the performance over time from 1D, 1M, 3M, 6M, 1Y and All time. It has the same functionality as your regular Raiz account performance screen.

1. Raiz Invest Super Balance
Your current total Raiz Invest Super balance.

2. Super Account Info
View your personal information relevant to your Raiz Invest Super account.

3. Find My Super
Select funds to consolidate to your Raiz Invest Super account found through your TFN or add your Super manually.

4. Insurance
Displays your cover amount, coverage, and premium payment details.

5. Portfolio
View or change your Raiz Invest Super portfolio.

6. Dividends
Displays the reinvested and upcoming dividends.

7. Invest a Lump Sum
Make a voluntary one-time contribution.

8. Recurring Contribution
Set up/change a recurring investment into your Raiz Invest Super account.

9. Reward Contribution
Turn Raiz Rewards contributions into your Raiz Invest Super on/off.

10. History Details
Tap to see a complete history of your Raiz Invest Super contributions.

If we have missed anything you think should be explained further, or need any clarification on this guide, please do not hesitate to contact us on 1300 754 748 or email us: [email protected]