Uncategorized Archives - Page 52 of 53 - Raiz Invest

February 2, 20160
image

He that is good for making
excuses is seldom good for anything else”
 – Benjamin Franklin

What does everyone who finds it
hard to save money have in common? We all have an excuse for why we can’t do
it. Let’s talk through a few of the most commonly made excuses.

1.       You
can’t afford it

You want to save, maybe you even
“try” to save sometimes, but your money just doesn’t stretch far enough. It’s
not unusual to feel that you’re not making enough money to start saving, and
even those who have generous wages report this as an excuse not to save.

So why do you feel like you don’t
have enough money? The simple answer is that you may just be spending more than
you actually need toTake a good hard look at
your “necessary” spending, and think about which items you may be able to cut
down on, and try not to spend more just because you’re earning more.

2.       You
will start saving “tomorrow”

You want to save, but it can wait
until tomorrow, or next month, or next year, what difference does it make? Well
actually it could make a lot of difference. Too many of us tell ourselves that
it’s fine for us to just leave it until later to start saving.

Take a moment to think of your
future self, who wants to buy a house, go on holiday, or maybe even retire
early. Now ask yourself if there’s any good reason why you shouldn’t start
saving now; with compound returns it can make a big difference if you start
saving early. So don’t put off until tomorrow what you can do today.

3.       It’s
too complicated

With all the different saving and
investing options, it’s not surprising that many of us are confused about where
to start. Super funds, savings accounts, share market? You’ve got a few
options, but they don’t make it that easy for you. Choosing the right super
fund, or constructing the right portfolio of shares can be a daunting task at
times, and may require a significant level of knowledge and expertise.

ETFs provide you with a great
option to begin investing in the share market; ETFs can track a certain index
such as the ASX 200, and allow you to gain exposure to a variety of different
shares for a very small fee.

Using Raiz to help stop the
excuses

Whether you think you can’t
afford it, you’re putting it off until tomorrow, or it all seems too complicated,
we think that by using Raiz you can help eliminate those
excuses from your life.

By rounding-up your purchases, Raiz
helps you link spending to saving, so instead of thinking about what you can
and can’t afford, you can just go about your business while Raiz does your
saving in the background.

It’s never too complicated with Raiz;
we’ve constructed 5 different portfolios for you to choose from, from 7
different ETFs. With Raiz you get the sophistication of a fund manager, with a
fraction of the fees. For more information on Raiz fees, click here.

You don’t need to keep putting it
off until tomorrow. We have made our sign-up process as easy as possible, so
you can start today and thank yourself later.

Say hello to Raiz, and goodbye to
excuses.


Don’t have the Raiz App?

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

download-raiz-app
Click to download the Raiz app

 

Important Information

The information on this website is general advice only. This means it does not take into account any person’s 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.

January 9, 20160

Hello and a Happy New Year from the Raiz blog! 2015 was
pretty good, but with Raiz’ full launch next month it looks like 2016 will be
even better. Around this time of year people start to make resolutions,
things they want to start doing, or stop doing, to improve their life. We may
be slightly biased, but we reckon 2016 should be the year you make saving and
investing your resolution. Starting, and sticking to, a good savings plan could
be one of the most important things you do this year, and could prove to be a
big step on the way to reaching your financial goals.With that in mind we thought we’d talk about how to save,
sticking to your resolution, and how Raiz could help.

The Big Budget Every saving plan starts with a budget. It’s important to
get it all on paper (or excel). Writing it all out makes you realise how much
you have, what your necessary expenses are, and where you could be making cuts.
Take a bit of time on your budget, and be realistic, there’s no point in making
a strict budget you can’t keep to.

Tips from the team at Raiz Here are some of our team’s best tips for saving money:George – Cut the Coffee: If you’re like many Australians, you’re probably spending far too much on coffee. Instead of buying two $4 coffees
a day, buy a jar of instant and save $30 a week.

Ali – Cash is king: It’s pretty easy to lose track of how much
you’re spending when you just tap your card everywhere. Using cash gives me a
regular reminder of how much I’ve spent each day.

Brendan – Make a date with your money: Holding yourself
accountable is important. Set aside a time every week to look at how much you
spent, and whether you’re hitting your saving targets.

Tony – Set and forget: If you can, try automatically setting
aside a portion of your pay check into a savings account every month – you can
usually set up these automatic transfers through your online banking.

Ishaan – $5 Jar: I’ve found that you don’t get given $5 notes
as much as you’d think. Try putting away each $5 you get into a jar, then focus
on keeping out of the jar.

Sticking to your plan: Sticking to your savings plan can be the most difficult
part. Whether it’s new clothes, a big night on the town, or any of the other
million things to spend your money on, it’s quite easy to break your budget.
Here’s a few things that may help you stick to the plan.

Save before you spend: Money can be like a gas that fills all the available space, you end up spending
whatever you have. How to you combat this: Put your money away before you have
the chance to spend it.

Goals based saving: Setting targets for yourself can be a great way for you to stick to a plan. Make your
milestones realistic so you don’t get disheartened. When you see that you’re
making progress towards a certain goal (enough for a holiday, new car, etc.),
you’ll be encouraged to keep at it.

Make it habitual: Once you get into the habit, saving can seem quite addictive. There’s no easy way to
make something a habit, but there are tools out there. Some of the Raiz team
use apps such as 7 Weeks, and Habitica to help them start a habit. 

How Raiz fits in: Raiz is here to help you with your resolution. With Recurring
Investments
you can save before you spend, regularly saving money daily,
weekly, or monthly. Unique ways to invest with Raiz.With Round-ups you
can save whilst you spend, so even if you’re making more purchases, you’re
saving and investing at the same time. A natural way to invest.With Raiz you
can track how much you have invested, and how much it’s grown, so you can keep
your financial targets in view. We hope we have a great 2016 with you as an Raiz customer. For more information on Raiz fees, click here.


Don’t have the Raiz App?

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

download-raiz-app
Click to download the Raiz app

 

Important Information

The information on this website is general advice only. This means it does not take into account any person’s 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.

December 21, 20150

It’s usually around this time of year that we start to look at the calendar, and ask ourselves where the year went. So we thought there would be no better time than now to reflect, and look at the big events that shaped the financial markets in 2015.
Stocks slipping up on Oil
What?
The price of oil has been in freefall. It’s hard to believe that in 2014 the price of oil was US$115 a barrel. Since then, the price has fallen nearly 70%, and is now at just over US$36.
Why?
In short, supply and demand: Too much oil being produced, and not enough people buying it.
Effect?
Sharp falls in some of the biggest Australian companies’ share prices. Santos is at just 25% of the price it was in late 2014.
A near Greek Tragedy
What?
It seems like an awfully long time ago – but over May, June, July of this year, Greece was on the verge of leaving the European Union.
Why?
Debt. The Greek economy is in a bit of a mess, and they owed people a lot of money.
In June they had a big debt repayment to make, and the only way they were going to be able to make it was by the rest of Europe helping them out.
But they wouldn’t help Greece out unless Greece agreed to some economic reforms. Greece were reluctant.
Effect?
Greece ended up agreeing to the reforms, they were bailed out, and managed to make their debt repayment.
The markets were very volatile around this time, but they soon stabilised and the whole incident was actually quickly forgotten about.
Trouble in the Far East, sending markets south
What?
The market had been worrying about a slowdown in Chinese growth for a while, and in July and August these fears came to a head.
Why?
China has experienced spectacular growth in recent history, and the data indicated a big slowdown.
Effect?
The Chinese stock market fell spectacularly in one day, China’s Black Monday, as it was dubbed. But before that, it had already fallen 15% in July. It is important to note that the Chinese stock market had grown by ~150% in the year before “Black Monday”.
Global stocks fell with China – but now there is widespread agreement that China’s growth is stabilising and not slowing down even faster.
Rising interest in Fed Rates
What?
The event everyone had been waiting for all year has come right at the end of 2015, with the Fed finally raising rates for the first time in 9 years.
Why?
After the GFC, rates have been at rock bottom to support the US economy and help it grow. With strong data coming from the US and signs that the economy is on a good path to recovery, the Federal Reserve have begun to raise rates.
Effect?
The symptoms (strong US economy), and anticipation of a rate rise has seen a very strong US dollar in 2015. We also saw a very weak Australian dollar with the RBA cutting Australian rates. If you went on holiday then this is probably a gloomy reminder, as it has basically meant you haven’t been able buy as much foreign currency for your Australian dollars.
What’s in store for 2016
Well the biggest news around the world in 2016 will surely be February’s launch of Raiz Australia…
But other than that there is a lot of room for the Australian and International stock market to go up, especially after a disappointing 2016. But stock markets have risk and it is never a certainty. Let us know your predictions for 2016 on our Twitter and Facebook pages.


Don’t have the Raiz App?

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

download-raiz-app
Click to download the Raiz app

 

Important Information

The information on this website is general advice only. This means it does not take into account any person’s 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.

December 10, 20150

This week the Federal Government
announced a $1bn package to help support innovation in
Australia. Over 20 ideas designed to support entrepreneurship, ideas,
investments and startups have been released, and as a startup, Raiz welcomes
this with open arms. We wanted to let you know a little more about the package
and why it’s important for Australia.

Where did it all begin?

It seems to have started in
September; from Malcolm Turnbull’s very first speeches as Prime Minister he
talked about an Australia that needed to be “agile, innovative, and
creative”
, an Australia that needed to recognise “disruption
as our friend”
.

This was promising, but I think
we can all be forgiven if we didn’t believe every word coming out of a
politician’s mouth… so we waited to see whether any real actions would be
taken.

Why is it important?

It is important because until now
Australia has been lagging behind. For a country with so many bright and
talented individuals, we don’t have the culture of innovation to encourage them
into entrepreneurship. The best talent is frequently being lured away to places
like San Francisco, Singapore, and London. Australia needed a change so that we
could become a nation of innovators, and encourage Australians to start their
business journey here. The opening of Fintech Hub, Stone & Chalk, in Sydney
this August, was also a welcome sign of change. Stone & Chalk houses over
40 different startups.

What’s in the $1bn package?

We won’t go through all 20 ideas
in the package (we’d encourage you to do some of your own reading if you have
time), but here are some of our highlights:

Women in Tech: It’s
a simple one, for too long we’ve been complaining about the lack of women in
the tech industry. This package puts a handy $13m towards encouraging and
supporting women to run with their ideas, and start a company.

Tax incentives for
investors:
 Tax may be boring, but it’s important. A major problem in
Australian entrepreneurship is funding, and good people with great ideas not
being able to obtain funding. Tax incentives will encourage more investment in
startups – meaning that more startups will be able to take the next step, and
great ideas won’t need to be abandoned.

Stop the boats
(leaving):
 You may not know this but we have been kicking smart people
out the country for a long time. With the new “entrepreneur visa”, PhD
graduates and other startup founders will be given the chance to stay and build
their company in Australia.

Summary:

This won’t turn Australia into
the new home for innovation on its own, but it is a great start. The commitment
to innovation not only has the backing of the government, but also of the
opposition Labor party.

Now what we need is you and all
other Australians to start running with your ideas and becoming a part of the
new creative, disruptive Australia.


Don’t have the Raiz App?

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

download-raiz-app
Click to download the Raiz app

 

Important Information

The information on this website is general advice only. This means it does not take into account any person’s 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.

November 8, 20150

When you invest, that decision
and the patience to stick with it will begin to pay dividends – and not just
figuratively! You will literally be paid something called “dividends” or
“distributions” (we will use dividends for both) from the ETFs in your
portfolio; so what are dividends? And how do they fit in with Raiz.

A dividend is a portion of a company’s earnings that is returned to
shareholders. Companies use dividends to pass on their profits directly to
their shareholders.

A company will pay a small percentage of its profits to the owner of each share
of stock.


Example:
You own 1000 shares of fictional company Mighty Oaks. Mighty
Oaks pay a dividend of 5c per Share.

\You will receive $50 (Number of Shares Owned X Dividend per
Share) in dividend income.


Dividends and ETFs
As an Raiz investor, you’ll have a portfolio of ETFs, so that raises a few more
questions…


Do ETFs pay dividends?
Yes! In short – and in fact, for the most part, dividends in ETFs are
relatively straightforward. As discussed in our “What is an ETF” blog, ETFs are
essentially a combination of shares or bonds bundled together. To put it
simply, ETFs basically just take all the dividends from the bundle of shares,
and pay all those dividends out to ETF unitholders. 

So, as an ETF shareholder, you benefit from the dividends of all the companies
which are contained in your ETF.


What will Raiz do with my dividends?
With Raiz, your dividends and distributions will be automatically reinvested in
your portfolio. You can view your dividends and distribution history through
the platform, and we will aim to provide information on when the ETFs in your
portfolio will pay their dividends.


Why reinvest?
To answer this it might be useful to understand why some companies don’t pay
dividends. One reason for this, is growth. Whilst it may make shareholders
happy to receive a dividend, it may make them even happier if the company keeps
their profits and invests them to grow the business – which will in turn, can
increase the value of the stock.

We hope that by reinvesting your dividends back into your Raiz portfolio we are
investing in the growth potential of your portfolio.  Another step in the
right direction, helping your spare change grow.

Now you know about dividends, let’s hope that you can start benefiting from
them soon, with Raiz. Sign up today at 
https://www.Raizinvest.com.au


Don’t have the Raiz App?

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

download-raiz-app
Click to download the Raiz app

 

Important Information

The information on this website is general advice only. This means it does not take into account any person’s 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.

October 29, 20150

With Movember just around the corner, people all over
the world are preparing to grow a moustache to raise money and awareness for
men’s health issues. This got the team at Raiz thinking about what it takes to
grow facial hair, and found that it’s very similar to growing your money.

4 key stages to growing:

The Decision

You’ve thought about it for a
while, you’ve seen your mate’s ‘stache (or stash of money), and you know how
great it could be. It’s time to start growing!

The Envy

It’s been a few days and you’ve
not got much to show above your upper lip – you begin to notice every beautiful
moustache you pass and wonder why that can’t be you. The same happens with
saving, not everyone can put away $100 a week, but it’s about working with what
you’ve got.

Don’t get jealous, just be
patient, slow and steady wins the race.

The Itch

You’re beginning to get some
solid growth, but with this growth comes a nasty itch.

For growing a moustache, the itch
is physical one, as prickly hairs scratch your skin, and you start thinking
about shaving the itch away.

For growing your money, the itch
is one of temptation. The itch to start spending the nice little stash that
you’ve accumulated.

The solution? Fight through the
itch! You’ve made it this far, so keep at your long-term strategy and keep it
growing so that you can reach stage 4…

The Glory

This is what you’ve been waiting
for, once you reach this stage nobody remembers The Envy, or The
Itch
, you’re just happy you made The Decision. You’re
either sitting with a pile of savings, or a luscious moustache, either way you
feel pretty good.

When saving money, everyone has
different definitions of glory, it could be a car, a holiday, or a more stable
financial future – whatever your goal is, Raiz wants to help
you get there. With our different tools we give you a more natural way to
invest, and a new way to let your money grow. All you have to do is remain
patient. For more information on Raiz fees, click here.

So this November, make the
decision to Invest the Change with Raiz, grow your mo with Movember, and raise
some money for a great cause in the process.

https://www.Raizinvest.com.au

https://au.movember.com


Don’t have the Raiz App?

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

download-raiz-app
Click to download the Raiz app

 

Important Information

The information on this website is general advice only. This means it does not take into account any person’s 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.

September 29, 20150
image

The summary:

Last week, controversy surrounded
Volkswagen, as it was revealed that the German automobile manufacturer has
cheated on emissions testing for their cars. They have defrauded customers,
broken regulators’ rules in a big way, and will face suitably big fines as a
result.

What effect has this had on the
share price?

Since the news was revealed,
Volkswagen lost around 1/3rd of
their market value.

This story gives us a timely
reminder of why diversification is key, and the benefits of
buying into ETFs.

Imagine your portfolio was made
up of 100% VW shares. Last week you lost ~33% of
portfolio value.

Now imagine if you had some
diversified to 50% VW shares. You’ve just lost ~16.5%. This assumes that nothing
else in your portfolio loses value.

Now if you had diversified a lot
more (maybe using an ETF), to just 1% VW shares. You only lost ~0.33%. Again
this assumes that none of the other shares that compose the ETF loses (or
gains) value.

It’s a simple example, but it
shows the dangers of exposing yourself too much to any one stock. These
scandals specific to one company do happen, and companies lose big chunks of
value regularly. By using ETFs you can give yourself a smaller exposure to a
large number of companies, eliminating the risk that one bad holding will harm
your hard earned savings.

Raiz uses 7 different ETFs to
construct our portfolios for you, read more on ETFs here, and sign up to Raiz using the
link below.

https://www.Raizinvest.com.au


Don’t have the Raiz App?

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

download-raiz-app
Click to download the Raiz app

 

Important Information

The information on this website is general advice only. This means it does not take into account any person’s 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.

September 16, 20150
image

“Compound return is the 8th wonder of the world. He who
understands it, earns it. He who doesn’t, pays it”

Albert Einstein wasn’t known for
investing, but he got it spot on with this. Let’s understand the power of
compound returns, why it’s important, and how you can use it.

The concept of return is
simple; take Albert who has $1,000 in his account – If he earns a return rate
of 8%, he earns return of $80 ($1,000 x 8%), over one year.

Now, the idea of compound
returns 
is pretty simple too, it’s just earning return on
your return
, over time.  For example, Albert earned $80 of return in
year one; in year 2 Albert earns 8% return on his $1,000, and, 8%
return on the $80 he earned in year one. So in year two Albert earns returns of
$86.40 ($1,080 x 8%), bringing his total balance to $1166.40. A modest
increase, but over time this effect snowballs, and after 40 years of compound
return, Albert’s $1,000 grows to nearly $22,000, that’s 2200%.

Why is this important to you? By
choosing to invest now, you could make compound returns work for you, and help
you reach your financial goals in the future.

If you start investing now, and
patiently let your money enjoy compound return, the returns could be truly life
changing:

– If you’re 25 and choose to
start investing now, say $1,000 a year, until your 65, with a return of 8% p.a.,
you could put a handy $280,000 towards your retirement.

–  If you wait until you’re
30 to invest, you’ll put about $186,000 away

–  And if you don’t start
investing until you’re 35, you’ll only put $120,000 away.

graph showing effect of time on compound returns
The earlier you start, the more time compounding has to take effect.

With Raiz we encourage investors
to start small, contribute often, and commit long-term. For more information on Raiz fees, click here.


Don’t have the Raiz App?

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

download-raiz-app
Click to download the Raiz app

 

Important Information

The information on this website is general advice only. This means it does not take into account any person’s 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.

August 10, 20150
image

We
are very excited about launching Raiz Down Under, giving Australians the chance
to invest their change to build something much bigger. One of the most
important messages we want to spread is that when you invest with Raiz, you
have chosen a smart and secure way to invest. Let’s look at one of the
techniques Raiz utilises to manage and grow your savings effectively-dollar-cost
averaging.

The
market will go up, the market will go down, being able to pick the low point
and see your portfolio grow in value is the dream, but is unlikely when acting
on intuition alone. Dollar-cost averaging involves regular investment over
time, regardless of movements in the market. This aims to reduce the need for
intuition in picking highs and lows in the market.

For
example, say you have $1,000 to invest. Instead of investing it all at once,
you could invest $100 each month into the market for 10 months, despite the
changes in the market value. If for example the stock of choice was priced at
$10 the first month, you would purchase 10 units. If during the second month
the stock was priced at $5, you would purchase 20 units, and so on. In the end,
you would have purchased more shares when prices were lower and fewer shares
when prices were higher, having invested more prudently than simply investing
the money all at once in a lump sum.

This
strategy has the potential to give you a low cost per share relative to the
overall average price per share – as you buy more units when the price is low,
and less when the price is high. This disciplined strategy is important,
ensuring you are not too exposed to falls in the market when you buy at the
top; and rewarding you when the market recovers, for buying when the market was
falling.

Dollar-cost
averaging is most effective in a long term saving strategy. As the market moves
up and down, dollar-cost averaging over time reduces your risks of trying to
pick the best times to invest from these swings, trending your portfolio
towards profitability.

You
can utilise Raiz to implement dollar-cost averaging at your own pace by
selecting another key feature, recurring deposits.  Raiz will manage your
investment, all while saving you time, energy and uncertainty. For more information on Raiz fees, click here.

For
more information and to register for our beta testing due in November 2015,
make sure you visit www.Raizinvest.com.au and sign up!


Don’t have the Raiz App?

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

download-raiz-app
Click to download the Raiz app

 

Important Information

The information on this website is general advice only. This means it does not take into account any person’s 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.

July 24, 20150

We are really excited about Raiz
coming to Australia and we want to make sure everyone understands the unique
opportunities with Raiz! Here at Raiz we have made it easier than
ever to fund an investment account. We understand that investing is important,
and just as no single investment will ever be suitable for everybody, there is
no single, perfect way to fund an investment account.  This is why we
built an entirely new micro-investing platform that enables multiple ways to
invest.  There are four easy ways to get invested with Raiz:

Round-Ups
This is our most innovative feature, round-ups provide a whole new way to save
and invest money. The goal of the round-up is to help people invest money every
day, even if it’s just a small amount. We think the best way to accomplish this
is by linking investing to something we all do every day – spending. Raiz makes
it possible to link your spending accounts (EFTPOS, debit and credit cards
etc.) and then round up the virtual change from every transaction. These
round-ups can then be manually or automatically moved into your Raiz investment
account.

Automatic Investments
Raiz also makes it easy to set up recurring deposits on a daily, weekly, or
monthly basis. It’s as simple as selecting the amount of money you wish to
invest regularly, and then choosing a time period. This type of investing is
great for setting and maintaining investment goals. Setting up automatic
investment can be done in seconds through the app.

Lump Sums
In addition to some of the more unique ways of adding money to an account, our
users can also invest any amount, at any time, with a simple lump sum
investment. This makes it easy to add larger sums of money when they become
available or when your investment goals change. It only takes seconds to
deposit a lump sum into your investment account, and money is always available
for withdrawal the same way: no fees, no penalties.

Raiz Reward
This exciting functionality is truly exciting. Not only does Raiz make saving
and investing money as easy as possible, we also help find money for you. Raiz
can identify rewards programs, credits from other loyalty programs, and offers
from third parties that can be converted into investments. What other investment
program finds money for you?

With so many unique ways to fund
an account, Raiz is creating an entirely new approach to saving and investing
money. For more information on Raiz fees, click here.

So if you are as excited as we
are, make sure you sign up at www.Raizinvest.com.au quickly and register your
interest with only your email address and we will keep you update on our
progress and register you for our Beta testing program commencing later this
year.


Don’t have the Raiz App?

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

download-raiz-app
Click to download the Raiz app

 

Important Information

The information on this website is general advice only. This means it does not take into account any person’s 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.

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