New financial year, new financial goals
What are we actually investing towards?
Every new financial year starts with good intentions.
Invest more. Spend less. Get better with money.
The problem is that most financial resolutions are too vague.
People rarely stay motivated by goals like “save more money”. But they’re much more likely to stick with goals that have a name, a purpose, and a clear destination.
That’s exactly why more Australians are creating dedicated savings and investment goals.
In fact, Raiz customers have created almost 100,000 individual Jars, giving us a unique snapshot of what Australians are working towards right now.
Australians are getting more specific with their money goals
The most popular goals aren’t abstract financial targets.
They’re real-life milestones.
The top goals being created in Raiz Jars include:
- Property
- Holidays
- Cars
- Weddings
- Children and family goals
- Retirement
- Education
Property goals have become so popular that they recently overtook holidays as the most common new Jar being created.
That’s a sign many Australians are focusing less on short-term spending and more on longer-term financial priorities.
The goals are getting more personal too
Of course, not every goal is a home deposit.
One of the most interesting things about Jars is seeing how personal financial goals can be.
Among the thousands of goals being created, Australians are also investing towards:
- Tattoos
- Engagement rings
- Surf trips
- Ski holidays
- Nintendo Switch 2 consoles
- Veneers
- Golf carts
- Pets
Because financial goals don’t have to look the same for everyone. If a goal matters to you, it’s worth planning for.
Why named goals work better
There’s a big difference between:
“I want to invest more.”
And:
“I want to invest towards my Japan trip.”
One feels like a chore.
The other feels exciting.
Specific goals can be easier to stick to because you can visualise the outcome and track your progress.
That’s why creating separate Jars can be so effective.
Instead of seeing one account balance, you can see exactly what you’re working towards.
Create your FY27 goal list
As you start the new financial year, think about what you’d like your money to achieve over the next 12 months.
You might create a Jar for:
🏡 Home deposit
✈️ Holiday to Amsterdam
🎄 Christmas 2026
🚗 New Jeep
💍 Wedding
👶 IVF
🤿 Free diving course
Something completely unique to you!
The important thing isn’t the goal itself: It’s giving your money a purpose.
Make progress automatic
Once you’ve created a goal, the next step is making progress easy.
Consider:
- Setting up Recurring investments
- Turning on Round-Ups
- Creating separate Jars for different goals
- Reviewing your goals every few months
The people who achieve their goals aren’t necessarily the most disciplined.
They’re often the ones who create systems that help them stay consistent.
What will your FY27 goal be?
A year from now, the financial year will be over again.
Imagine opening your app and seeing meaningful progress towards something you’ve wanted for years.
Whether it’s a home deposit, a snow holiday New Zealand, your wedding, a golf cart, or something nobody else would understand, the new financial year is the perfect time to start.
Create a Jar, give your goal a name, and start investing towards it today.
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Important Information
This blog has been issued by Instreet Investment Limited (ACN 128 813 016 AFSL 434776) as Responsible Entity of the Raiz Invest Australia Fund (ARSN 607 533 022) and has been prepared without taking into account your objectives, financial situation or needs. Before acting on such information, you should conduct your own review or consult a financial advisor before making a decision to invest. Please read the relevant Product Disclosure Statement and any associated reference documents before making an investment decision. In accordance with the Design and Distributions Obligations, we maintain Target Market Determinations for our Funds. All documents can be found on the Raiz website www.raizinvest.com.au, or calling the Customer Support team on 1300 754 748.
