Raiz Invest

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 purchase that you make, you are also investing into your Raiz portfolio.

What are round-ups?

A round-up is the virtual spare change captured from rounding up a transaction to the nearest dollar. When you link a credit or debit card to your Raiz account, we track the spare change from your transactions and make it available for you to invest. Your round-ups will be viewable in the app.

How do I choose an Investment portfolio?

Raiz offers you the choice of 9 portfolios, ranging from conservative (least risky) to aggressive (most risky), along with the Emerald portfolio (socially responsible themed), the Sapphire portfolio (Bitcoin holding), the Property portfolio (residential property holding) and the Plus portfolio. These portfolios have different risk profiles and accordingly have different expected returns. You can use the app or read our PDS to learn more about the underlying investments of each portfolio.

What is Raiz Rewards?

Raiz Rewards is our loyalty program. When you shop with our partner brands through Raiz Rewards, they will invest a dollar amount or % of your purchase price back into your Raiz account. Raiz may also be paid a fixed amount or % of your purchase price from promoting the partner brand.