Raiz explained: simple answers to common questions
How much do I need to start investing with Raiz?
You can open a Raiz Investment Account with as little as $5. Whether you prefer to invest a lump sum, set up recurring deposits, or use Round-Ups to automatically invest your virtual spare change from daily purchases, Raiz makes it easy to get started.
Can I withdraw my money anytime?
Yes. You can request to withdraw all or part of your investment at any time through the Raiz app or website. We typically process withdrawals within 5 business days after selling your investments. There are no withdrawal fees or penalties. However, if your account balance is low, the withdrawal amount may be rounded up to close your account.
Does Raiz charge any fees?
Yes, Raiz charges fees depending on which plan you’re on and the balance of your Raiz Investment Account, including Raiz Kids accounts and Jars.
Lite plan
• Up to $1,500 balance: maintenance fee of $2.50 per month
Regular plan*
• Under $26,000 balance: maintenance fee of $5.50 per month
• Over $26,000 balance: no maintenance fee is charged, an account fee of 0.275% per year (calculated daily, deducted monthly) applies
*For the Sapphire and Property Portfolios, the maintenance fee is $5.50 per month and the account fee of 0.275% p.a. applies regardless of account balance
Plus plan
• Under $28,000 balance: maintenance fee of $6.50 per month
• Over $28,000 balance: no maintenance fee is charged, an account fee of 0.275% per year (calculated daily, deducted monthly) applies
Other things to know
• No trading or switching fees: You won’t pay extra to make deposits, withdraw funds, or change portfolios .
• Underlying issuer fees: ETFs and other investments inside your portfolio also have their own fees. These are not charged by Raiz but are built into the returns of those investments.
What are the risks of investing with Raiz?
All investments carry risk. The value of your Raiz account can go up or down depending on market conditions. Higher-risk portfolios, like Aggressive or Sapphire (which includes Bitcoin), can experience greater fluctuations, while more conservative portfolios aim for avoiding loss and providing stability these may offer lower returns. Choosing the right portfolio for you depends on your goals, timeframe, and how much risk you are willing to take.
How does Raiz choose its portfolios?
Most of the Raiz portfolios are built using exchange-traded funds (ETFs) that represent different asset classes, such as Australian shares, international shares, bonds, and cash. Some portfolios also include alternative assets like Bitcoin or Australian residential property (via the Raiz Property Fund). The investment team uses modern portfolio theory to create diversified portfolios that match different risk profiles.
What are Raiz Kids?
Raiz Kids lets you set up investment accounts for up to 8 children, grandchildren, or dependants under 18. You choose the portfolio, make contributions, and the account is held in the child’s name until they turn 18, at which point you can choose to transfer full control.
As the adult, you can also set permissions for what the child is able to do within the app. This means you can gradually introduce them to investing by allowing them to track their account, see how their portfolio is performing, and learn about money management through real experience. It’s a hands-on way to help young people build financial awareness from an early age.
Raiz Kids is designed for long-term investing towards a child’s future.
Don’t have the Raiz App?
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.
