Super Archives - Raiz Invest

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.

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Australian shares were little changed this week, with the ASX 200 edging up 0.3%. Investor attention remained firmly on the RBA, which left interest rates unchanged following three consecutive hikes. While rates were kept on hold, the RBA reiterated that inflation remains elevated and signalled it is prepared to tighten policy further if needed. This reinforced expectations that interest rates could remain higher for longer, despite signs that demand is beginning to soften.

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End of financial year (EOFY)  isn’t just about tax returns and paperwork.

It’s one of the few times each year when people naturally stop and think about their money. Where it’s going, what’s working, and what they’d like to do differently next year.

The good news? You don’t need a complete financial overhaul.

A few simple money moves before 30 June could help you head into FY27 feeling more organised, more confident, and more in control.

Here are seven worth considering.

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Australian shares delivered a strong performance this week, with the ASX 200 rising 2.1%. Investors were encouraged by growing speculation that the RBA may be nearing the end of its tightening cycle, helping the local market shrug off weakness in US markets earlier in the week. Gains were broad-based, with consumer, property, healthcare and industrial stocks leading the way. Despite the rebound, Australian shares remain relative underperformers this year as investors continue to navigate sticky inflation and the impact of recent Federal Budget tax changes. 

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If you’ve spent any time reading investing news, you’ve probably seen the terms bull market and bear market thrown around.

Markets are bullish. Markets are bearish. A bull run is underway. A bear market is looming.

But what do these terms actually mean, and why do investors pay so much attention to them?

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Australian shares fell 1.2% this week, underperforming global markets as concerns around interest rates and the Federal Budget weighed on sentiment. Investors continued to assess proposed tax changes, while inflation concerns were amplified after the Fair Work Commission announced a 6% increase to the minimum wage, above industry expectations. The decision has raised questions about whether inflation could prove more persistent, keeping pressure on the RBA to remain vigilant.

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Some weeks markets are up. Other weeks they’re down. That’s a normal part of investing.

But when markets move around, it can leave investors wondering: Should I wait? Should I invest now? What if the market drops tomorrow?

That’s where dollar cost averaging comes in.

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Australian shares edged higher this week, with the ASX 200 up 0.9%. Sentiment was supported by reports of a tentative deal to help secure shipping through the Strait of Hormuz, easing some concerns around global energy supply. Locally, inflation trends also showed signs of improvement, with a greater proportion of CPI components recording more moderate price increases. While markets remain sensitive to geopolitical developments, investors are increasingly hopeful that cooling inflation could provide greater flexibility for monetary policy in the months ahead.

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Big changes are coming to how super gets paid in Australia, and if you’ve got a job, it’s worth knowing what’s changing.

The Australian Government is introducing “Payday Super”, which means employers will need to pay super at the same time as your salary and wages, instead of only paying it quarterly. The change is expected to start from 1 July 2026.

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