Investing In The Background – How Raiz Makes Everyday Spending Work Harder

By Raiz Invest

Between work, weekends, and wondering what’s for dinner, finding time to invest can feel impossible. But what if your everyday spending could quietly build your wealth — no spreadsheets, no stress?

With Raiz, it can.

Round-Ups: invest while you spend

Raiz’s Round-Ups feature automatically rounds up your purchases to the nearest dollar — and invests the spare change.

• That $4.50 coffee? We round it to $5.00 and invest the 50 cents.
• That $23.20 Uber? Rounded to $24.00, with 80 cents invested.

Those little bits add up over time, creating powerful momentum — without requiring you to lift a finger.

Raiz Rewards: cashback that builds your portfolio

When you shop with our partner brands through the Raiz app, you’ll earn cashback that’s automatically invested.

Fan favourites among our customers include:

• Sephora – Skincare that boosts your portfolio.
• The Iconic – Fashion with financial flair.
• Adore Beauty – Beauty meets investing.
• Cotton On – Everyday essentials, now with investment perks.
• Expedia & Luxury Escapes – Even your holidays can fund your future.

It’s a smart way to turn everyday spending into long-term gains.

Set and (almost) forget

The real magic? Raiz works quietly in the background. While you live your life — sipping lattes, shopping for skincare, or booking your next escape — your money is steadily growing.

It’s investing, made simple.

If you’re ready to get started without overhauling your lifestyle, Raiz might just be the smartest financial habit you didn’t know you needed.

Raiz Invest Australia Limited (ACN 604 402 815, authorised representative of AFSL 434776). The Raiz Invest Australia Fund is issued in Australia by Instreet Investment Limited (ACN 128 813 016 AFSL 434776), a subsidiary of Raiz Invest Limited and promoted by Raiz Invest Australia Limited (ACN 604 402 815).   

The information is general information only and does not take into account your personal financial situation, goals or needs. Product fees and risks are set out in the PDS and TMD, which are available on the Raiz Invest website (www.raizinvest.com.au). You should read and consider those documents before deciding whether, or not, to acquire interests in the product.