{"id":15330,"date":"2020-12-13T22:10:43","date_gmt":"2020-12-13T11:10:43","guid":{"rendered":"https:\/\/stillaslife.com\/?p=15330"},"modified":"2021-03-11T16:15:20","modified_gmt":"2021-03-11T05:15:20","slug":"comprehensive-raiz-review-micro-investing-app","status":"publish","type":"post","link":"https:\/\/stillaslife.com\/ja\/comprehensive-raiz-review-micro-investing-app\/","title":{"rendered":"\u5305\u62ec\u7684\u306aRaiz\u30ec\u30d3\u30e5\u30fc\u2013\u30de\u30a4\u30af\u30ed\u6295\u8cc7\u30a2\u30d7\u30ea"},"content":{"rendered":"

What is \u30e9\u30a4\u30c4<\/a>? With bank interest rates so low, is there another option that can make your money work harder for you? What is micro-investing? Is it worth doing? Is \u30e9\u30a4\u30c4<\/a> good? I’ve talked briefly about \u30e9\u30a4\u30c4<\/a> a number of times<\/a> in the past, but I have never done a proper \u30e9\u30a4\u30c4<\/a> review and really gone into why I started using \u30e9\u30a4\u30c4<\/a>, why I continue using \u30e9\u30a4\u30c4<\/a>, and why I think every Australian should use \u30e9\u30a4\u30c4<\/a> to help grow their wealth. \u30e9\u30a4\u30c4<\/a> is easy to set and forget at a level that is manageable for you with a diverse range of investment options providing different levels of risk to suit your life stage and risk preferences. So, without further ado, here’s my review of \u30e9\u30a4\u30c4<\/a>, the micro-investing app.<\/p>\n\n\n\n

Disclaimer: <\/strong>I’m not a financial expert or professional and this is not financial advice. This article is based on my own experience of a product that I’ve chosen to use. You should do your own research and speak to a financial professional to decide if investing in stocks and bonds through \u30e9\u30a4\u30c4<\/a> is right for you. This article is not sponsored or funded by \u30e9\u30a4\u30c4<\/a>, but if you use my invite code, MPPXWB<\/strong><\/em>, you can get $5 when you sign up and I get $5 in return for inviting you. <\/em><\/p>\n\n\n\n

So, what is Raiz?<\/h2>\n\n\n\n

\u30e9\u30a4\u30c4<\/a> is a micro-investing app that allows you to invest in both domestic and international stock markets, corporate bonds, government bonds and as of 2020, one investment option includes Bitcoin as well. <\/p>\n\n\n\n

\"Raiz<\/a><\/figure><\/div>\n\n\n\n

\u30e9\u30a4\u30c4<\/a> aims to make investing simple and accessible to everybody by facilitating micro-investments in a thing known as an “Exchange Traded Fund”, typically referred to as an ETF.<\/p>\n\n\n\n

What is an ETF?<\/h3>\n\n\n\n

What’s an ETF you might ask? I wondered that as well, so I researched it and wrote an article explaining what an ETF is over here<\/a>. <\/p>\n\n\n\n

\"ETF\"<\/a><\/figure><\/div>\n\n\n\n

In short though, an ETF is an investment fund that is traded on the stock exchange similar to how a company is traded. That fund manages investments in certain stocks or commodities. The S&P 500 is a well known ETF that holds a variety of stocks in their investment fund. When you invest through an ETF you are buying shares in the investment fund rather than directly in the company. As a result, your money is exposed to far more companies than it could have been had you invested directly.<\/p>\n\n\n\n\n\n

What do ETF’s have to do with Raiz?<\/h3>\n\n\n\n

\u30e9\u30a4\u30c4<\/a> takes the ETF approach to investing and builds on it further by offering a number of portfolios designed to suit different risk levels. These portfolios are made up of multiple ETF’s. For example, the “Aggressive” portfolio is currently made up of:<\/p>\n\n\n\n