The four "R"s of Raiz - Raiz Invest

Reading, (w)riting, (a)rithmetic. These were the three “R”s of days gone by to help people learn the skills for adulthood and the workforce. But what about financial education and skills? Did you receive the right framework to get on top of your finances?

We want to help you and our community learn to save and invest and get on top of your finances. We know it’s a bit cheesy, but we think the four “R”s of Raiz can help 😉


The four “R”s are:

  • Round-Ups
  • Recurring Investments
  • Raiz Rewards
  • Retirement



This is the ideal starting point of the investing journey. It is easy to do and requires very little investment or effort to get started. The best part is it happens automatically, starting from as little as $5. Every purchase you make can have the spare change automatically invested in a diversified portfolio. This can help those new to markets understand what an investment portfolio is and how it could grow over time.


Recurring Investments

This is another regular investment style, but this one requires a little more discipline and the ability to allocate a small portion of your savings or income to a regular investment. Those investing just $10 a week with an automatic recurring investment could grow their investments by over $500 a year. Remember: It is much easier to save and invest in little bits than in one go. And the fact it is automatically invested means your good habits stay switched on in the background.


Raiz Rewards

With Raiz Rewards, you can receive cashback invested into your portfolio from your everyday shopping. So many of us have weekly staples to shop for, like groceries, petfood, etc. With Raiz Rewards, it is easy to find if your regular shopping partner is a Raiz Rewards Partner.

With our free Chrome Web Browser Extension and Safari Mobile Extension  you can quickly and easily see which brand is a Raiz Rewards Partner, click a button to activate the reward, and receive a cashback investment into your account while you shop.

Why not invest while you shop, especially when shopping for necessities. And if you want to treat yourself every now and then, why not get a reward for it too!



This is the big one! No one wants to be worried about finances when they should be enjoying their golden years. By building healthy saving and investing habits now, you can make decisions to consolidate your super to avoid unnecessary fees, and to choose a portfolio that suits your needs and life-stage.

Raiz Invest Super can help you plan for the long term, and has many of the same great features, like recurring investments and the ability to invest your Raiz Rewards as a voluntary contribution, giving you more ways to help your super balance grow.

For Raiz Invest fees, click here.

Please read the PDS to see if Raiz Invest is suitable for you.

Please also read the PDS to see if Raiz Invest Super is suitable for you.


It’s never too late to start

It is never too late to start, and it’s never too late to learn.

We are here to help you get and stay on top of the four “R”s.



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).