Raiz Invest review

Raiz app review ROI

Disclaimer: This post contains affiliate links, however the opinions are my own. Please seek professional financial advice when making any financial decisions.

Click here to get your first $5 free when you sign-up to Raiz Invest!

I decided to try out the Raiz Invest app after a friend showed me how he was trialling it a few years ago and I listened to the founder of the app explain how it worked when he was interviewed on the podcast The Mentor.

It’s an interesting concept that allows people to add small change from their transactions in the form of round-ups.

The round-ups take the change up to the nearest dollar amount and then it gets added to your account.

The funds in that account then get invested into an ETF on your behalf.

Why should someone consider using Raiz Invest?

Low barrier to entry for first-time investors.

As someone that has invested in the past, I think this is an interesting concept because there is a low barrier to entry if you want to get involved in trading. You literally have to setup an account and as soon as you start adding a few cents in there, it starts working for you.

Compared to trading on traditional platforms, you will need to invest $500 as a minimum to get your order processed.

The money is managed on your behalf.

Secondly, the funds are managed by experts. So all you need to do is make sure there are funds in the account.

They do this by investing in ETFs (Exchange Traded Funds)

Thirdly, their target growth seems to be around the 10% mark. When you compare this to the rates that the banks are offering (1-3%), it seems like a no-brainer.

It makes saving easy.

The round-ups feature is clever because you save up your spare change which then turns into dollars, which turns into tens of dollars, and then turns into hundreds or even thousands of dollars.

It also bundles with the compounding effect. So you are actually creating a system of wealth for yourself.

Make money without using your own money.

This is the part that gets me interested. Because you can actually earn money without having to put in more of your own money.

On the app, you can do this in a few ways.

Complete paid surveys.

There are surveys on the app that take anywhere from 1-20 minutes to complete. If you qualify for the survey and complete it, you will be given credit on your account.

This shows in your account as rewards and from what I can see, it takes up to 30 days for the credit to be approved and added to your account.

You will generally earn $0.05-2.00 per survey.

The way I see it is if I am having some leisurely time, such as relaxing on social media, going in an elevator, or commuting somewhere, I can do a survey and get paid for that time.

Since installing the app 2 weeks ago, I’ve earned $5 through surveys.


I actually got paid for the surveys that I completed using the Raiz app. So it is possible to get started without actually investing any of your own money. However, you will need to wait 30-45 days to get the funds earned through surveys approved.

Below is a table with the earned funds through surveys via the Raiz app to date.

Date paid for surveysPayment amount (AUD)
10th August 2020$17.31
18th August 2020$7.98
Funds earned via Raiz surveys

Below is a screenshot from my account.

Raiz micro investing
Raiz App Survey Payments
Raiz app activity
Raiz App Activity

What is the return on investment (ROI)?

It is still too early to tell. But so far it is approximately 2% ROI per annum, but this is only based on 2 months worth of data. I’ve invested in Sapphire, which is the most aggressive (and riskiest) portfolio.

Note: The bigger jumps are where funds have been added to the account.

Raiz app ROI

Refer people to use the app with your link.

The app will pay you $5 for every person that you refer to the app.

So if you wanted an account value of $100, you would need to get 20 people to sign-up to the app.

You can share a link on your social media network (Facebook, Twitter, Snapchat, email referral, etc).

Are you ready to get started with Raiz Invest?

Click here to get your first $5 free when you sign-up to Raiz Invest!


I decided to scale up the investment to see what kind of return I could get from the Raiz app. I increased the investment so I would have $10000+ invested in the app with the intention of gaining higher returns and possibly higher dividends.

Below is a screenshot showing some insights into the higher investment.

Raiz dividend payments
Raiz dividend payments

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