Not a confident investor? Start small and learn - Raiz Invest

Do you fit into a category that could be defined as “not confident investing”? If so, you are not alone! A recent survey run by Raiz has found that some investors are reluctant to start investing because they lack confidence.

The same survey results also show that a large proportion of people also plan to start investing in 2022. So how do you balance the lack of confidence with the desire to start investing, and trusting companies such as Raiz to see how saving/investing can benefit you?


Start small

If you start small with just $5 invested a week, you can start to understand how markets work and how they are affected by real world events.

Our automated round-ups feature allows you to start investing with just your spare change. Rather than setting how much you can afford to save a week or month, round-ups will do it in the background as you spend.  This could be a great way to dip your toe into the market.

For information on Raiz fees, click here.

To see if Raiz is suitable for you, please read the PDS.


Set a goal

Setting a goal can be extremely helpful in getting you to where you want to go. Planning a holiday in 2022? Want to save and invest to build a deposit for your dream home? Having a plan on how much you need and when you want to get there can really help you feel in control of your investing journey.

As you become more comfortable you can set a goal in the Raiz App, and by setting a recurring investment, whether its daily, weekly, fortnightly or monthly, it is easy to track how you are going and when you are expected to reach that goal.



Why not make a small withdrawal so that you understand the process?

On the Raiz App, in a couple of taps of your finger, you can withdraw your money.

There are no additional fees to make a withdrawal from Raiz. By making a small withdrawal after you have made a few investments, you can begin to learn about the process involved when it comes to selling your investments and understanding how long it takes to return your money to you.

Due to ASX clearing operation issues it may take up to five business days for the money to hit your bank account, but this is normal in investments in Australian equities due to:

  • A two-day settlement period being imposed by the Australian Stock Exchange (ASX)
  • Additional checks we perform on our end that help keep your funds safe and secure

By going through this withdrawal process for the first time, even for a small withdrawal, you will begin to understand the process and ensure we meet your expectations on how withdrawals are performed. Remember, sometimes you can get your funds back within three or four business days.


Learn more about how seriously we take security at Raiz

We’ve made your peace of mind our absolute highest priority. Check out this short video and feel confident in investing with Raiz.


Keep learning

Read more blogs. Read more articles. Learn something new every day. By getting in the habit of learning about markets, little by little you will increase your confidence.


Confidence comes with time

Don’t stress if the process feels slow. It won’t happen overnight, but by consistently learning and gaining hands on exposure to the markets through the Raiz app, your financial literacy should improve.



Don’t have the Raiz App?

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


Click to download the Raiz app


Important Information

If you have read all or any part of our email, website, or communication then you need to know that this is factual information and general advice only. This means it does not consider any person’s particular financial objectives, financial situation, or financial needs. If you are an investor, you should consult a licensed adviser before acting on any information to fully understand the benefits and risk associated with the product. This is your call but that is what you should do.

You may be surprised to learn that RAIZ Invest Australia Limited (ABN 26 604 402 815) (Raiz), an authorised representative AFSL 434776 prepared this information.

We are not allowed, and have not prepared this information to offer financial product advice or a recommendation in relation to any investments or securities. If we did give you personal advice, which we did not, then the use of the Raiz App would be a lot more expensive than the current pricing – sorry but true. You therefore should not rely on this information to make investment decisions, because it was not about you for once, and unfortunately, we cannot advise you on who or what you can rely on – again sorry.

A Product Disclosure Statement (PDS) for Raiz Invest and/or Raiz Invest Super is available on the Raiz Invest website and App. A person must read and consider the PDS before deciding whether, or not, to acquire and/or continue to hold interests in the financial product. We know and ASIC research shows that you probably won’t, but we want you to, and we encourage you to read the PDS so you know exactly what the product does, its risks and costs. If you don’t read the PDS, it’s a bit like flying blind. Probably not a good idea.

The risks and fees for investing are fully set out in the PDS and include the risks that would ordinarily apply to investing. You should note, as illustrated by the global financial crisis of 2008, that sometimes  not even professionals in the financial services sector understand the ordinary risks of investing – because by their nature many risks are unknown – but you still need to give it a go and try to understand the risks set out in the PDS.

Any returns shown or implied are not forecasts and are not reliable guides or predictors of future performance. Those of you who cannot afford financial advice may be considering ignoring this statement, but please don’t, it is so true.

Under no circumstance 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.

This information may be based on assumptions or market conditions which change without notice and have not been independently verified. Basically, this says nothing stays the same for long in financial markets (or even in life for that matter) and we are sorry. We try, but we can’t promise that the information is accurate, or stays accurate.

Any opinions or information expressed are subject to change without notice; that’s just the way we roll.

The bundll and superbundll products are provided by FlexiCards Australia Pty Ltd ABN 31 099 651 877 Australian credit licence number 247415. Bundll, snooze and superbundll are trademarks of Flexirent Capital Pty Ltd, a subsidiary of FlexiGroup Limited. Lots of names, which basically you aren’t allowed to reproduce without their permission and we need to include here.

Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.

Home loans are subject to approval from the lending institution and Raiz Home Ownership makes no warranties as to the success of an application until all relevant information has been provided.

Raiz Home Ownership Pty Ltd (ABN 14 645 876 937), an Australian Credit Representative number 528594 under Australian Credit Licence number 387025. Raiz Home Ownership Pty Ltd is 100% owned by Raiz Invest Australia Limited (ABN 26 604 402 815).