Just like you can own a fraction of an ETF in your Raiz portfolio or Raiz Invest Super portfolio, you can own pieces of properties via Superestate, the super fund recently acquired by Raiz that looks to democratise investing in property.
Itâs good news for property investors! Not only has the Treasury expanded the property price caps for homes purchased under the First Home Loan Deposit Scheme (FHLDS) and Family Home Guarantee, but there will also be more slots available in the new financial year. That means more possibilities for first home buyers and single parent home buyers to get into the market. Read Post
The Australian budget is out, and there are three measures targeting home ownership in financial year 21/22, which is fantastic news if you are looking to get on the property ladder!
Written by Ben Nash, financial advisor and founder of Pivot Wealth.
Raiz Home Ownership have partnered up with Pivot Wealth and General Assembly to deliver a series of free online property focused money education events to make buying a home or investment property more straightforward. Events in the series can be found here.
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The growth in the Aussie property market has been huge in recent years, with the average house price up over 400% since the 1990âs. The strategy of buying property is something that has proven successful across several decades, but what strategy is best in 2021?
When you buy a house for another party you will need to pay Transfer Duty (formerly known as Stamp Duty). However, if youâre a first home buyer in NSW you will only pay a concessional rate or no Duty at all if you meet a set of criteria.
Buying a home at auction can be a pretty stressful time. The money stakes are high and most people are likely out of their comfort zone. Here are some tips to help bid at auctions confidently.
Buying a home usually comes with a long-term debt commitment, requiring you to borrow between 70% to 95% of the property value to finance your home.
Life is inherently risky. Every decision you make, whether itâs getting into a car, going on a holiday, or moving house, carries some form of risk that things will not go as expected. But to dodge risk by locking yourself in a cocoon is to pay the highest price: you miss everything.
Raiz Kids is a simple way to save and invest small amounts regularly for your children/grandchildren.
We understand that life gets busy, life gets messy, especially when you have little ones. For the parents and grandparents in our Raiz community, we know it is not simple to get started on a savings fund for your kids.
Raiz Kids is a simple way to save and invest for your children and/or dependents who are under the age of 18.
Just like your main Raiz balance, you can invest your spare change from everyday purchases, set up a recurring or lump sum deposit towards you and your chosen Raiz Kid(s).
Raiz Kids can have direct access to their own investment portfolio, with your permission. This can be an immersive way to help your kids understand how financial markets works and start developing savings and investing habits that they can take with them into their adult lives.
But donât worry, you get to choose how much access your Raiz Kid has. If you give permission in the settings, your Raiz Kids can choose their own portfolio, or can make changes to recurring investments as an example. You can also choose to get notified any time a Raiz Kids account makes changes to these settings.
Each Raiz Kids account can have different permission and controls, tailored to suit the age of the child and what control you would like to give. Each Raiz Kids account can have a different portfolio selection. You can have different one-off and recurring investments for each Raiz Kid, which could be great for different investment pocket money or does different chores around the house that are done đ
We want to give you the chance to see firsthand and free of charge how these new features can help you invest for the next generation.
It is important to note that just like Raiz Invest accounts, Raiz Kids accounts carry investment risk.
To see Raiz fees, click here.
To see if Raiz is a suitable investment product for you, please read the PDS.
Download it for free in the App store or the Webapp below:
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. Please note that past performance is not a reliable indicator or guarantee of future performance. Historical returns, forecasts, and market commentary are provided for general informational purposes only. All investment carries risk and may result in loss of capital. |
By Clayton Daniels, author of Fund Your Ideal Lifestyle
I
remember when I first started trading stocks. Before the likes of Raiz came
around, the only way to access the market was through a broker. These brokers
had minimums of $500. As a uni student a decade ago at 23 years of age, that
$500 minimum was a confronting minimum.
My
emotional investment was high. If the stocks went up, I was elated. If the
stocks went down, I was devastated. It was only at the end of a few years of
this type of investing â which of course didnât end up all too profitable â did
I learn how unbeneficial it was to be emotionally invested in my investments.
Because
when investments go down, it doesnât automatically equal a bad result. Itâs a
bad result if you need the money straight away, but if you donât, all it means
is you now get to purchase more of the asset at a discount.
This
is counter intuitive I know, but it is how the ultra rich get richer. When the
GFC happened, there was a massive transfer of wealth from the middle class to
the upper class because the middle class sold down at the exact time they
should have been buying.
At
the end of the day, if you are investing, you are accepting that what you are
buying is a fair price. If your investments temporarily go down, then you
should be buying in these moments. This very simple investment strategy is
called âbuying in the dipsâ.
If
you are emotionally investing, this does not make sense. But this is why being
in control of your emotions during your investment career is so important. When
the roller coaster happens â as it will every year of your investment career â
take the opportunity to buy more. If you ultimately believe the world will
continue to produce value, and continue to earn a profit, then ultimately the
stock market will go up again, and so will your investments. Especially if they
are invested across indices such as with the Raiz portfolio. For more information on Raiz fees, click here.
If
your only response to a falling market is âsell sell sellâ, then perhaps you
shouldnât be in the market. Again, I know this is counter-intuitive, but your
investment goals should be to control your emotion, and buy more when the stock
market goes down, not the other way around.
We
all need reminders of this every now and again, and as we have seen some
roller-coaster action as of late, I figured this was a timely reminder.
Download it for free in the App store or the Webapp below:
Important Information
The information on this website is general advice only. This means it does not take into account any personâs 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.
