{"id":3064,"date":"2017-02-13T23:46:09","date_gmt":"2017-02-13T23:46:09","guid":{"rendered":"https:\/\/raizinvest.com.au\/investors\/twelve-months-in-did-you-miss-out\/"},"modified":"2021-02-08T04:47:24","modified_gmt":"2021-02-08T04:47:24","slug":"twelve-months-in-did-you-miss-out","status":"publish","type":"post","link":"https:\/\/raizinvest.com.au\/investors\/blog\/twelve-months-in-did-you-miss-out\/","title":{"rendered":"Twelve Months in – did you miss out?"},"content":{"rendered":"
\"image\"<\/figure>\n

By Clayton Daniel of Fund Your Ideal Lifestyle<\/a><\/i><\/p>\n

As
\nRaiz ticks over the first twelve months of a successful campaign to engage
\nAustralian\u2019s with their money, I wanted to circle back around to see if you
\nbenefited. To see if you were in the market, or out of the market.<\/p>\n

See
\nRaiz simply holds your investments for you. And I say \u2018simply\u2019 on purpose. As a
\nformer financial adviser who built a career around investing millions of
\ndollars, I can tell you \u2013\u00a0how\u00a0<\/i>the money is invested is usually
\nthe hard part. But thankfully it\u2019s all now at the tip of your fingers.<\/p>\n

So
\nover the last twelve months \u2013 the market went UP. Great result for everyone
\ninvested. But were you invested, or were you \u2018trying to get a better return\u2019
\nsomeplace else?<\/p>\n

A
\nbig misconception with Raiz is that they are an investment \u2013 which they aren\u2019t.
\nThe investments that sit within the Raiz investment structure (the app on your
\nphone) hold investments called\u00a0ETFs<\/a>. In a nutshell, these ETFs go up if the market
\ngoes up, and down if the market goes down.<\/p>\n

Really
\nsimple stuff.<\/p>\n

So
\nagain I ask \u2013 did you invest, or did you miss out?<\/p>\n

Do
\nthe markets go up all the time? Of course not. But do they go up more than the
\ngo down? Yes \u2013 that\u2019s because our economy keeps growing, and companies like
\nCommonwealth bank and Woolworths keep making a profit. And as long as our
\neconomy keeps growing, and our companies keep making profits, the market will
\ncontinue to go up.<\/p>\n

I\u2019ve
\nhad my account for around nine months now. And I\u2019m happy with how the market
\nwent. Again, the result wasn\u2019t created by Raiz \u2013 but they gave me the
\nopportunity to access growth over the last nine months. Check out the screen
\ncapture below:<\/p>\n

\"image\"<\/figure>\n

Did
\nI make life changing money?<\/p>\n

No.<\/p>\n

But
\nwould I make life changing money in any retail investment in less than twelve
\nmonths?<\/p>\n

No.<\/p>\n

So
\nwhy am I such a big fan of this non-life changing money?<\/p>\n

Because
\nI didn\u2019t think about this investment at all. Not at all. I invest without
\nthinking about it, and the market does what it does, and the majority of the
\ntime I\u2019ll make more money. Some weeks it goes down, and even some years it will
\ngo down, but none of that matters. Assuming our economy has many years in it \u2013
\nthe investments will ultimately go up. And I won\u2019t think about any of it.<\/p>\n

Compare
\nthat to the Melbourne property I own with a couple of mates inside of a Self
\nManaged Super Fund. We have to have annual meetings with each other, with the
\naccountant, with the rental manager, with the banks, think about tenants, think
\nabout bills, think about vacancy \u2013 think about everything! There\u2019s a lot of
\nthinking going on!<\/p>\n

If
\nyou\u2019ve read any of my previous articles on\u00a0decision fatigue<\/a>\u00a0you\u2019ll know I\u2019m not a big fan of
\nthinking about investing and cash flow. Turns out you get better results when
\nthings are set up on automatic.<\/p>\n

Which
\nis why I ask \u2013 did you miss out?<\/p>\n

Raiz
\nshouldn\u2019t be your entire investment strategy \u2013 that wouldn\u2019t be prudent. No one
\nshould have all their eggs in one basket when it comes to investments. But
\nshould it be an additional little regular investment you have on the side which
\nyou spend zero head space on?<\/p>\n

Yeah.<\/p>\n

Use
\nit for Christmas presents every year, use it for an annual getaway, use it for
\nan emergency account (probably the best idea) or use it to simply \u2018go hard on
\nthe money\u2019 and learn about investing in the simplest way possible. Whichever way
\nyou choose to use your Raiz account is up to you \u2013 just don\u2019t miss out. For more information on Raiz fees, click here<\/span>.<\/a><\/span><\/p>\n

Check out the exclusive Acorns offer for Clayton Daniel\u2019s new book Fund Your Ideal Lifestyle.<\/a><\/i><\/p>\n

 <\/p>\n

\n

 <\/p>\n

Don\u2019t have the Raiz App?<\/h3>\n

Download it for free in the App store or the Webapp below:<\/p>\n

\n
\"download-raiz-app\"<\/a>
Click to download the Raiz app<\/a><\/figcaption><\/figure>\n

 <\/figure>\n

Important Information<\/strong><\/span><\/em><\/p>\n

The information on this website is general advice only. This means it does not take into account any person\u2019s 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.<\/em><\/p>\n

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.<\/em><\/p>\n

The information may be based on assumptions or market conditions which change without notice. This could impact the accuracy of the information.<\/em><\/p>\n

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.<\/em><\/p>\n

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.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

By Clayton Daniel of Fund Your Ideal Lifestyle As Raiz ticks over the first twelve months of a successful campaign to engage Australian\u2019s with their money, I wanted to circle back around to see if you benefited. To see if you were in the market, or out of the market. See Raiz simply holds your […]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mi_skip_tracking":false},"categories":[1],"tags":[],"yst_prominent_words":[1512,98,1502,1498,1409,151,224,245,314,1513,1511,289,153,313,97,82,117,166,125,239]}