r/RaizAU

Started 2024 with $10 day, now just doing $200 a month due to some financial challenges......I just hit $10k....not sure what my goal is yet but I just put in what I can afford..

Currently on the moderate aggressive plan.

Hi,

I am 24 years old with my investing journey starting in 2019. I am currently on sapphire portfolio but I feel like my gains have not been as impressive as other on the group. I feel like having such a heavy weights ASX position is leaving some gains on the table. In saying this I plan on investing over a 30 year horizon. What do you think I should do from here?

Thank you!

Hi all,

Relatively new to this whole thing and finding the set and forget style of Raiz a great option to have the ball rolling while I continue to do own research.

Just wanted to see the general consensus on the current custom portfolio I’m running. A lot of these individual stocks I thought seemed decent and stable options when I started out but have been thinking lately about whether it may be a better option to simplify things and cull down to a few ETFs instead.

While I’m definitely stoked sitting on ~20% gains, I’m curious, if you were making a similar switch over, which ETFs would you choose and how would you split your %s?

Any and all advice or thoughts super welcome! :)

Been on raiz since april 2025
Just looking for some general long term portfolio advice

Hi everyone 👋,

I’m very new to investing and honestly have no idea if this is okay - I’m set on the emerald portfolio. If anyone could give me any advice on how to get the most out of investing would be so amazing 🙏

I’ve been using Raiz since 2018 when it was called Acorns. I add a lump sum each month on payday, depending on how much my pay was. I have roundups turned on and also add $12 a day, but it used to be less. Bumped it up as pay increased, and saw the performance gains.

I used aggressive portfolio for the first few years, then switch up to a custom one. There is overlap in mine, but it’s served me well. If I had time over, it might look different, but not by a lot.

I’ll likely ease up a bit now though and continue with the roundups. I’ll divert more to use Commsec Pocket for ETF’s since it seems like they’ve ditch fees.

Greetings!

Hope y’all are doing well. I’ve just started Raiz - a few days ago, tbh. I’m currently setting aside 100-200 pw and this is what my portfolio looks like. I would really appreciate any advice or even comments from fellow investors🫶🏼

Thanks heaps!✨

My age is 20 years and just started investing through Raiz and do around 50 dollars every week. Currently I have aggressive portfolio should I make some changes in it or let it be the same and keep investing.
Thank you for your advice!

I’ve had Raiz for just under a year now and have shifted between the sapphire portfolio and the aggressive portfolio. I have never really looked all that much into the portfolio makeup but noticed that it is heavily reliant on the Australian market which and has little exposure to the international markets. Personally I don’t have a tonne of faith in seeing gains in my portfolio by having 54% of the portfolio locked into the S&P/ASX but I have just made a portfolio which solely focusses on ETFs as I am looking to use this portfolio largely as a set, have daily top ups and forget about it.

I’m curious if anyone else has gone down this rabbit hole creating their own long term ETF mix instead of using the default Raiz portfolios.

If you’ve built your own long term ETF portfolio using Raiz and can share how you structured it, I’d really appreciate hearing different approaches. I’m especially interested in how people have balanced their exposure with international ETFs, and how those portfolios have performed over time. Any recommendations, perspectives, or examples of how you’ve split things would be super helpful.

10 g today. Probably 9900 tomorrow after interest rates rise 😄

Chasing some advice on whether I’ve chosen good investment option’s. I’m on the plus plan, previously aggressive. I did some research to identify what would be high growth..
200$ p/wk plus auto roundups. It’s been sitting in negative for a while and only just showing positive as of today.
I know its always a gamble but I’ve seen massive % returns for others whilst mine just sits idle. No real knowledge in investing, so appreciate advice.
Cheers

Aggressive portfolio the whole time but about to go custom.

My daily amount has changed.. its currently $10 a day but has been higher. Hoping to get it back up to 30 or 40 per day soon.

If it wasnt for raiz i wouldnt have 25k invested or saved

Currently two years into my RAIZ adventure and looking for some advice as to if I should move around my portfolio? I feel as though there are long term gains I'll be missing out on with the current set up.

Thanks