Only just started investing 3 months ago
I've had a look at long term growth for State Street ASX 200 ETF that Raiz has automatically put 54% of my money into. Growth over the last 5 years of that ETF is 16% which is about 3% annually as opposed to State Street S&P 500 ETF which is up 78% over the last 5 years. Would you guys recommend having a look at creating a custom portfolio or just trust the process?
Genuine question. I find myself opening my broker app out of habit more than because anything has actually changed. Half the time nothing has moved enough to matter.
For people who hold ASX and US stocks, what would actually make you open your app with a purpose? Earnings? A big price move? News? Or do you just accept daily checking is part of it?
Curious if anyone has cracked a system that doesn’t feel like babysitting.
I’m wondering if it’s worth it for me to continue to contribute to Raiz if one day I’ll have to pay 30% Tax minimum.
I know that these policies could be reversed if a new government gets elected (ON/LNP) but again, who knows.
For context, all I have is about $5,000 in a HISA and about $1,600 in Raiz currently. No super due to reasons(complicated long story)
I contribute roughly $200 a month in to Raiz Aggressive portfolio atm.
I'm looking at setting up a secondary "Raiz Jar" to separate my holiday savings goal from my main long-term "Emerald" investment portfolio. The app marketing makes it look incredibly clean to have multiple targets tracking side-by-side. But before I pull the trigger, I want to clarify the underlying fee structure. If you run a primary portfolio, a Jar portfolio, and a Kids account under one log-in, are you getting hit with multiplied monthly maintenance fees that eat up your micro-investing returns, or do they cleanly aggregate into a single flat-rate fee bucket?
Hi
I have selected Emerald as my raiz portfolio and have had this portfolio for the past 2 years. Have had raiz since 2021 and have only ramped up investments in the past 2 years (depositing around $200 per month with extra lump sums deposited of $1000 every couple of months).
Chose emerald because I am passionate about sustainability and ethics.
Obviously, the market is pretty volatile at the moment, but it feels like I've hit a wall for the past year, not much growth.
Any advice on how I can improve the portfolio?
Here is my portfolio 3 months in. I had no (edit) knowledge of investing and markets prior to opening this account and felt a large hedge was warranted to ease my concerns about investing. I've invested regularly and have educated myself to a point where I now understand growth vs hedge and opportunity cost.
I'm after advice on gradually reducing my gold percentage without triggering selling via auto-rebalancing. Would reducing gold by 1% the day before my weekly investment be adequate to dilute its weight rather than selling?
I’ve been investing with Raiz since late 2020.
It’s been a great starting point and I’ve learned a lot along the way. I’m now planning to move over to Betashares Direct as the higher fees are starting to add up for me, and it feels like a good time to make the transition given the upcoming CGT rule changes.
I’ll be moving the funds into my offset account for now to take advantage of the 6.09% interest rate, and then starting regular investing of around $200–$400 per week into either DHHF or a custom portfolio (50% A200 / 40% BGBL / 10% OZBD) to keep the compounding going.
finally started being consistent the start of this year and feeling pleased watching it slowly grow :)
(I’m a bit of a dummy about this stuff to be honest, I pretty much view the system as a secondary high interest account, any corrections if I’m off base would be appreciated)
If you’re not looking to sell for the next 20-30 years, is it not reasonable to continue investing, under the assumption that at some point the there will probably be another adjustment to CGT/how shares are taxed?
And in saying that, you’ll only be taxed on the actual realised profits, you still stand to access a large portion of capital, no? Especially once you’re older and not working as much/at all?
My plan is to keep putting 400 dollars a week into my account and hopefully have enough for a deposit on a house within a year or two I’m want to know what you guys think of my account. Is my account more based on long term or short or is it safe for both I’m very new to the market so my investments are based off someone else on the app.
Pretty optimistic about this! I’m 19 and just got my first “big girl job.” I chose the moderately conservative portfolio. I don’t know a lot about investing and bonds etfs etc… but I guess I’ll learn along the way. Any tips?
I've been on Sapphire portfolio for just about 2 months now investing $50 a week with some random roundups. I feel like my portfolio is still way to conservative, or maybe I'm just early and it feels slow? I'm willing to take risk since I'm so young, but I also want it to be stable long-term. so my question would be what would you do? Custom portfolio? Switch to a different app entirely? Or just stay put?
Thx in advance
Just throwing this out here to see what advice may come.
I am 22 years old & have been investing on and off wirh raiz since i was 16 (through my parents) unfortunately i did sell my earlier investments while in university, but i have been investing on average $10/day for the past 18 months since starting full time work.
I also have a Tip Jar with $1861 set to the default Agressive portfolio ($50/week since march + $1330 extra deposit)
Then, outside of Raiz, i have a portfolio on NABtrade i use to purchase individual stocks (i plan to expand this once my raiz hits $26,000 in value to avoid the fees)
Overall, my total stock portfolio is worth around $12,900 after 18 months of investing again.
This is up from $12,500 (total value 1 week ago)
Hopefully, one day this can be my way into the housing market.
Any advice or comments are welcome :)
Thanks Everyone.
Hi there is there any changes i should be making to my portfolio? Im 33 tradesman looking to buy my first property in the next 3 months, i may have to retrieve some funds out of this portfolio for the deposit other than that I plan on not touching the money and looking long term. Any advice would be helpful cheers!
Hey guys, just turned 18 and have been finally able to legally invest into the market. Heres my portfolio would love tips, feedback etc. Im looking at holding for 7 years for a house by 25 but thinking about keeping majority of the portfolio and only taking a bit out for a deposit. Possibly even getting a loan based on the equity the portfolio creates etc. I’m not too sure, but thats a later problem and ill go with the flow given circumstances of the world etc.
Tax Store and others are forecasting the Concessional Cap to rise to $32,500 from July 1, 2026, due to wage indexation. For those using Raiz Invest Super: are you planning to take advantage of this to salary sacrifice more into your account? Or are you worried that the "Division 296" tax talk for large balances makes putting extra into super less attractive, even for us smaller fish?
Hello all,
As I’m sure you’re aware the current market conditions feel shaky, my general vibe. I’m thinking of withdrawing while stocks are high. If anyone has better advice or suggestions for safe investments I’m all ears.
Thanks FP69.
Hi everyone,
Been doing DCA for over a year now trying to stay consistent with at least $100 a week.
I am happy to just keep ticking along am in no rush to take it out but just wanted to confirm my portfolio is good as i have seen some others have much higher returns in the same time. Im not looking to see a massive increase but more to get some reassurance to keep going this way and not waste time in a bad portfolio.
Thanks in advance to everyone, open to any criticism.
