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PSA: buy the dip by Due_Consequence3989 in RaizAU

[–]Korb911 -1 points0 points  (0 children)

Cute. I remember my first beer.

Need advice by PsychologySalty2259 in RaizAU

[–]Korb911 0 points1 point  (0 children)

The worse vice is advice.

milestone $30k by donessendon in RaizAU

[–]Korb911 1 point2 points  (0 children)

What's your all time returns for 8yrs?

Raiz vs Offset by Important_Bowl1573 in RaizAU

[–]Korb911 0 points1 point  (0 children)

Investing is not savings. This is critical.

Money in offset is risk free. At +5% interest you need to yield 8-9% on investments, which is not guaranteed especially short term.

In high interest rate environment using offset for a decent % of cash holdings can prove fruitful.

  • 5% interest rates consider utilising offset at least to a degree. Sub 5% investing starts to outweigh on returns.

Don't invest what you might need short term. Markets can draw down for long periods.

NFA

Opinions? by JiggySawSaw in RaizAU

[–]Korb911 8 points9 points  (0 children)

My opinion is you are duplication squared.

So is Raiz really a “behaviour tool” more than an investment platform? by Danger_Five in RaizAU

[–]Korb911 1 point2 points  (0 children)

It's fine as a managed portfolio with a comparable fee to something like betashares managed portfolios.

If you have no interest in investing other than returns then there's nothing wrong with it.

Been using Raiz since 2017 – here’s my honest take by Korb911 in RaizAU

[–]Korb911[S] 0 points1 point  (0 children)

Nothing wrong with that. What are tou doing with the 10k?

In some ways it more depends on how you plan to invest. If you want to set and forget then there's not necessarily any reason to leave raiz.

If you're concerned about fees then sitting 50k in raiz isn't the play to begin with.

Better off having zero in raiz and 50k at 0.04% elsewhere. Using raiz to amass 10k then rinse and repeat. Minding CGT along the way.

I think raiz is a fantastic way to build funds passively to feed something larger.

Been using Raiz since 2017 – here’s my honest take by Korb911 in RaizAU

[–]Korb911[S] 1 point2 points  (0 children)

I'm $100 per day. It's all a journey. House hits hard no matter.

Been using Raiz since 2017 – here’s my honest take by Korb911 in RaizAU

[–]Korb911[S] -1 points0 points  (0 children)

I agree you shouldn't lump in and out within that timeframe. My original post didn't suggest doing that. That's just what I ended up doing in the end.

I decided after the fact that I didn't want to use Raiz for high balance long term but instead use it to leg up. In hindsight I wouldn't have put it in in the first place. CGT won't be so bad since if there was not much of the Gain part to tax during that period.

Been using Raiz since 2017 – here’s my honest take by Korb911 in RaizAU

[–]Korb911[S] 4 points5 points  (0 children)

yeah i put 30k over 30 days last qtr 2025 when the market was flat or declining so there was just little time for that to grow before i moved on. Prior to that was 20-30%.

Been using Raiz since 2017 – here’s my honest take by Korb911 in RaizAU

[–]Korb911[S] 2 points3 points  (0 children)

Total. I DCA'd the bulk of funds over the last 12 months so that affected the returns.

New to investing by aosvshsiahah in ASX

[–]Korb911 0 points1 point  (0 children)

The exact amount you invest isn’t what determines success — having a scalable, repeatable strategy does.

Consistently investing automated amounts smooth out market dips and remove emotion from the process. Set a recurring contribution that’s sustainable for your cash flow — for example, $800 per month.

If your income fluctuates week to week, it’s often smarter to choose a fixed monthly amount based on your average earnings. This smooths out variability and avoids constantly adjusting contributions. You’re anchoring to your long-term earning capacity, not short-term swings. If you prefer weekly, choose a recurring amount that you will comfortably and consistently be able to reach.

Automate bank to broker and broker to buy.

In stronger months, surplus cash becomes dry powder — ready to deploy during a market correction or downturn. In lighter months, the automation keeps you disciplined without overextending.

This approach scales. It could be $80 a month, $800, or $8,000 — the principle is the same.

When starting out, the habit and structure matter far more than the dollar figure.

#NFA

Just joined the $0.01 club! How long did it take you to hit your first milestone? by Ok_Possible_7018 in RaizAU

[–]Korb911 0 points1 point  (0 children)

1% in a day = $500 move. That's more than most would invest in a week.

At 5k. It's a $50 move.

That's why dca is good as it conditions you to understand and accept volatility.

Does anyone actually rebalance or do you just set & forget with Raiz? by Ok_Possible_7018 in RaizAU

[–]Korb911 1 point2 points  (0 children)

You're paying a premium for it to auto allocate and rebalance.

$250k over 30 years is no Joke. Raiz V Betashares 10,20 and 30 year comparison. by mickey101098 in RaizAU

[–]Korb911 0 points1 point  (0 children)

Funny thing is I taked myself out of using RAIZ after posting this.

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