Start Investing Spare Change Today!
I am micro-investing with Raiz. If you join using this link, we will both get $5 when you use my invite link: HERE
What Is Raiz?
Raiz is a financial service, helping you to save and invest your money. We enable Australians to start early, invest often, and reach their financial goals.
How Does Raiz Work?
Raiz works by allowing you to invest small amounts of money into a diversified portfolio of assets. Raiz is best known for its Round-Up feature which involves rounding up your transactions to the nearest dollar and investing the spare change into your Raiz account. This means that for every spend that you make, you are also investing into your Raiz portfolio.
What is the minimum investment amount required to open an account?
Raiz has no minimum account balance requirement to open an account, but in order for you to start investing your funds into your chosen portfolio your round-ups/lump sums must amount to more than $5. This is conveniently done through our round-ups process; each time you make a purchase, those rounds-ups accumulate towards the $5 threshold.
Which ETFs make up my portfolio?
For the weighting of each ETF in a given portfolio please refer to the PDS on the Raiz website.
The following ETFs are included in the portfolios ranging from Conservative to Aggressive:
- Australian Large Cap Stocks – SPDR S&P/ASX 200 ETF (STW.AU)
- Asian Large Cap Stocks – ISHARES ASIA 50 ETF (IAA.AU)
- European Large Cap Stocks – ISHARES EUROPE ETF (IEU.AU)
- US Large Cap Stocks – ISHARES CORE S&P 500 ETF (IVV.AU)
- Australian government bonds (fixed income) – ISHARES CORE COMPOSITE BOND ETF (IAF.AU)
- Australian corporate bonds (fixed income) – RUSSELL AUSTRALIAN SELECT CORPORATE BOND ETF (RCB.AU)
- Australian money market (cash) – BETASHARES AUSTRALIAN HIGH INTEREST CASH ETF (AAA.AU)
The Emerald portfolio invests in the following ETFs:
- Australian large cap responsible investing stocks – RUSSELL AUSTRALIAN RESPONSIBLE INVESTING ETF (RARI.AU)
- Global large cap sustainability leaders stocks – BETASHARES GLOBAL SUSTAINABLE LEADERS ETF (ETHI.AU)
- Australian Large Cap Stocks – SPDR S&P/ASX 200 ETF (STW.AU)
- Asian Large Cap Stocks – ISHARES ASIA 50 ETF (IAA.AU)
- European Large Cap Stocks – ISHARES EUROPE ETF (IEU.AU)
- US Large Cap Stocks – ISHARES CORE S&P 500 ETF (IVV.AU)
- Australian government bonds (fixed income) – ISHARES CORE COMPOSITE BOND ETF (IAF.AU)
- Australian corporate bonds (fixed income) – RUSSELL AUSTRALIAN SELECT CORPORATE BOND ETF (RCB.AU)
- Australian money market (cash) – BETASHARES AUSTRALIAN HIGH INTEREST CASH ETF (AAA.AU)
The Sapphire portfolio invests in the following ETFs:
- Australian Large Cap Stocks – SPDR S&P/ASX 200 ETF (STW.AU)
- Asian Large Cap Stocks – ISHARES ASIA 50 ETF (IAA.AU)
- European Large Cap Stocks – ISHARES EUROPE ETF (IEU.AU)
- US Large Cap Stocks – ISHARES CORE S&P 500 ETF (IVV.AU)
- Australian government bonds (fixed income) – ISHARES CORE COMPOSITE BOND ETF (IAF.AU)
- Australian corporate bonds (fixed income) – RUSSELL AUSTRALIAN SELECT CORPORATE BOND ETF (RCB.AU)
- Australian money market (cash) – BETASHARES AUSTRALIAN HIGH INTEREST CASH ETF (AAA.AU)
The Sapphire portfolio also includes a target asset allocation of 5% Bitcoin.
For More Information:
If you would like to join me in investing for the future or would like more information or to download the App Click Here and receive a Bonus $5 to help you on your way to a financially stable future.
