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# Raiz Invest — Full Reference

> Raiz Invest Limited (ASX: RZI) is Australia's leading micro-investing app,
> enabling 1.5M+ users to invest spare change into diversified ETF portfolios
> starting from AU$5. Founded in 2016 and headquartered in Sydney, Australia.

## Company Overview

- **Legal Name**: Raiz Invest Limited
- **ASX Ticker**: RZI
- **Founded**: 2016
- **Headquarters**: Sydney, NSW, Australia
- **Users**: 1.5 million+ sign-ups
- **App Rating**: 4.7 stars (45,000+ reviews)
- **Website**: https://raizinvest.com.au

## Products

### Raiz Invest (Core Product)
Micro-investing app that lets Australians invest spare change from everyday purchases into diversified ETF portfolios. Key features:

- **Round-Ups**: Automatically invest spare change from linked card transactions
- **Recurring Investments**: Set automated weekly, fortnightly, or monthly investments
- **Lump Sum**: Make one-off investments of any amount from $5
- **8 Diversified Portfolios**: Conservative, Moderately Conservative, Moderate, Moderately Aggressive, Aggressive, Emerald (ESG), Sapphire, and Property — each comprising a mix of Australian and international ETFs
- **Available on**: iOS and Android

### Raiz Kids
Investment accounts for children, managed by parents. Helps families start investing for their children's future with the same diversified ETF portfolios available in the core product.

### Raiz Super
Superannuation product offering diversified ETF portfolio options for retirement savings. Managed within the Raiz app alongside investment accounts.

- **Trustee**: Equity Trustees Superannuation Limited (AFSL 229757, RSE Licence No L0001458)
- **Division of**: AMG Super

### Raiz Rewards
Cashback program that invests rewards directly into your Raiz portfolio.

- **Partner Stores**: 1,000+
- **Total Cashback Distributed**: $49M+
- **Top User Cashback**: $9K+

### Jars
Goal-based savings and investing feature. Create separate investment jars for different financial goals (holiday, emergency fund, house deposit, etc.) within a single Raiz account.

## Portfolios

Raiz offers 8 diversified ETF portfolios ranging from conservative to aggressive:

1. **Conservative** — Higher allocation to bonds and fixed income, lower allocation to equities
2. **Moderately Conservative** — Balanced towards fixed income with moderate equity exposure
3. **Moderate** — Balanced mix of equities and fixed income
4. **Moderately Aggressive** — Higher equity allocation with some fixed income
5. **Aggressive** — Predominantly equities for maximum growth potential
6. **Emerald (ESG)** — Socially responsible investing portfolio focused on environmental, social, and governance factors
7. **Sapphire** — Technology-focused growth portfolio
8. **Property** — Australian residential property exposure via the Raiz Property Fund

All portfolios invest in a mix of Australian and international ETFs. Portfolios are rebalanced regularly to maintain target allocations.

## Fee Schedule

Raiz offers tiered pricing plans:

### Plans
- **Lite Plan** — Entry-level plan for beginning investors
- **Regular Plan** — Standard plan with full feature access
- **Plus Plan** — Premium plan with additional features

Fee details are available at https://raizinvest.com.au/fees and https://raizinvest.com.au/super-fees for superannuation.

## Regulatory Information

### Raiz Invest Fund
- **Responsible Entity**: Instreet Investment Limited (ACN 128 813 016, AFSL 434776)
- **Promoter & Administrator**: Raiz Invest Australia Limited (ACN 26 604 402 815)
- **ARSN**: 607 533 022
- **Product Disclosure Statement**: https://raizinvest.com.au/product-disclosure-statement
- **Target Market Determination**: https://raizinvest.com.au/target-market-determination

### Raiz Super
- **Trustee**: Equity Trustees Superannuation Limited (AFSL 229757, RSE Licence No L0001458)
- **Product Disclosure Statement**: https://raizinvest.com.au/super-product-disclosure-statement
- **Target Market Determination**: https://raizinvest.com.au/super-target-market-determination

### Important Documents
- **Financial Services Guide**: https://raizinvest.com.au/important-documents
- **Privacy Policy**: https://raizinvest.com.au/privacy
- **Terms of Use**: https://raizinvest.com.au/terms

## Frequently Asked Questions

### What is Raiz?
Raiz is Australia's leading micro-investing app that lets you invest spare change from everyday purchases into diversified ETF portfolios. You can start with as little as $5 and choose from 8 portfolio options ranging from conservative to aggressive.

### How do round-ups work?
Round-ups automatically invest your spare change. When you make a purchase with a linked card, Raiz rounds up to the nearest dollar and invests the difference. For example, a $3.50 coffee triggers a $0.50 investment.

### What are the minimum investment amounts?
The minimum initial investment is $5. Round-ups and recurring investments can be set from small amounts. There is no maximum investment limit.

### How do I withdraw money from Raiz?
Log into the Raiz app, go to your portfolio, and select the withdrawal option. Withdrawals typically take 3-5 business days to process into your linked bank account.

### Is Raiz safe?
Raiz Invest is an ASX-listed company (ticker: RZI). Your investments are held in trust by the Responsible Entity, Instreet Investment Limited (AFSL 434776). Raiz uses bank-level encryption and is regulated by ASIC.

### What ETFs does Raiz invest in?
Each portfolio invests in a diversified mix of Australian and international ETFs. The specific ETF allocations vary by portfolio and are detailed in the Product Disclosure Statement.

### How is Raiz different from a savings account?
Unlike a savings account, Raiz invests your money in ETF portfolios, meaning your balance can go up or down with market movements. Historically, diversified ETF portfolios have delivered higher long-term returns than savings accounts, but past performance is not a guarantee of future returns.

### Can I have multiple portfolios?
Yes, through the Jars feature you can create separate investment goals, each with its own portfolio allocation and target amount.

### What is Raiz Rewards?
Raiz Rewards is a cashback program with 1,000+ partner stores. When you shop through Raiz Rewards, a percentage of your purchase is invested directly into your Raiz portfolio.

### How do I contact Raiz support?
Contact Raiz customer support by calling 1300 75 47 48 or emailing support@raizinvest.com.au. Support hours are Monday to Friday, 8:30am to 5:30pm Sydney time.

## Key Links

- **Homepage**: https://raizinvest.com.au
- **About Us**: https://raizinvest.com.au/about-us
- **How It Works**: https://raizinvest.com.au/invest
- **Raiz Super**: https://raizinvest.com.au/raiz-super
- **Raiz Kids**: https://raizinvest.com.au/raiz-kids
- **Raiz Rewards**: https://raizinvest.com.au/rewards
- **SMSF**: https://raizinvest.com.au/smsf
- **Raiz Property Fund**: https://raizinvest.com.au/raiz-property-fund
- **Offsetters**: https://raizinvest.com.au/offsetters
- **Jars**: https://raizinvest.com.au/jars
- **Fees**: https://raizinvest.com.au/fees
- **Super Fees**: https://raizinvest.com.au/super-fees
- **Security**: https://raizinvest.com.au/security
- **Support**: https://raizinvest.com.au/support
- **iOS App**: https://apps.apple.com/au/app/raiz-invest/id1065498498
- **Android App**: https://play.google.com/store/apps/details?id=com.acornsau.android
- **Investor Hub**: https://investorhub.raizinvest.com.au/
- **ASX Listing**: https://www2.asx.com.au/markets/company/rzi
- **Wikipedia**: https://en.wikipedia.org/wiki/Raiz_(company)
- **Wikidata**: https://www.wikidata.org/wiki/Q55641534

## Education Resources

- [What is an ETF?](https://raizinvest.com.au/what-is-an-etf)
- [Investing Basics](https://raizinvest.com.au/investing-basics-types-of-investments)
- [Understanding Risk](https://raizinvest.com.au/understanding-risk)
- [Dollar-Cost Averaging](https://raizinvest.com.au/the-advantages-of-dollar-cost-averaging-2)
- [ETFs vs Stocks](https://raizinvest.com.au/etfs-vs-stocks)
- [Passive vs Active Investing](https://raizinvest.com.au/passive-vs-active-investing)
- [Socially Responsible Investing](https://raizinvest.com.au/a-guide-to-socially-responsible-investing)