AUSTRALIA MICRO-INVESTING IN
EPISODE WORKBOOKMICRO-INVESTING INAUSTRALIAW R I T T E NB YKATE CAMPBELL
The Australian Finance PodcastWELCOME TO THE PODCASTDear Listener,The Australian Finance Podcast is your crash course guide tosorting out your finances, one episode at a time. We aim to bringyou bring you actionable information that you can put into practicetoday, so you can smash those money goals and set yourself upfor success.You can always catch our episodes on Apple Podcasts, Spotify,Castbox and YouTube!Cheers!KATE & OWENEPISODE WORKBOOKWWW.RASK.COM.AU
The Australian Finance PodcastEPISODE SUMMARYFor many Australians, investing is a daunting activity to get started with,however, micro-investing apps like Raiz Invest (which has over 200,000active Aussie users) have broken down many of the traditional barriersto investing for beginners.Starting with just 5 you can get your first taste of being an owner ofour global economy rather than just a consumer, which it prettyexciting!Micro-investing is a way to get started investing with much less thanthe typical 500 minimum you need to buy shares/ETFs, mandated bymost Australian brokers. Micro-investing focuses on getting you startedinvesting with a small amount and making regular contributions overtime, with the wheels of compound interest working in your favour overthe long run.Some micro-investing apps (like Raiz Invest or Spaceship) allow you toinvest directly into a diversified portfolio of shares or ETFs from just 5and others are more like a broker, where you can buy a single orfractional share or ETF (like CommSec Pocket or Stake).In this episode we dive into what micro-investing is, how itworks, pros and cons and apps in Australia.EPISODE WORKBOOKWWW.RASK.COM.AU
The Australian Finance PodcastKEY EPISODE TAKEAWAYS01Although some of these arecategorised as ‘fractional investingapps’ rather than micro-investingapps, here are some options youhave in Australia:Hereare Kate &Owen'smaintakeawaysfromthisepisode.Raiz Invest - micro-investing in a choice of 7diversified ETF portfoliosSpaceship - micro-investing with two differentportfoliosCommsec Pocket - invest in a selection of 7individual ASX ETFs (individual HIN)Superhero - 100 minimum ASX investing (groupHIN model)Goodments - fractional US investing with ethicalfiltersStake - fractional US investingInvestigate The Fees02When investing very small amounts, sometimes thefees can outweigh the benefits of investing and it maybe a better idea to keep saving until you can invest alarger amount.Doing Your Own Research03If you’d like to do your own research on a micro-investingapp, here’s some of the questions that I’d be asking tofurther understand the structure:Where will my assets be held? Do I get my own holderidentification number (HIN) (this is good), are myholdings beneficially held or do I receive units in a fund?Do you use an external custodian (good) and who is it?Are you registered to provided financial services inAustralia? Do you have an AFSL (good)?What would happen in the event your company goesunder?EPISODE WORKBOOKWWW.RASK.COM.AU
The Australian Finance PodcastQUESTIONS & REFLECTION TOPICS01What features of a micro-investing app are important to you?Round-ups, regular contributions, fractional purchases,diversified ETF portfolio etc.02Head over to the MoneySmart fee calculator to play aroundwith some different scenarios, and identify the effect fees haveon your investments over the long-term.03What does risk mean to you? Have you investigated your ownrisk profile, behaviour and strategy?04Have you investigated your other alternative options to microinvesting to compare the products on offer?EPISODE WORKBOOKWWW.RASK.COM.AU
The Australian Finance PodcastEPISODE ACTION STEPS & NOTESTo get the most out of each episode, make a list of tasks to completeafter listening and any points of interest from the episode. Then comeback in a few weeks to revise what you've learnt!TaskDue DateEPISODE NOTES:EPISODE WORKBOOKWWW.RASK.COM.AU
The Australian Finance PodcastEPISODE RESOURCESHere are some of thresoe beurcests from this epwhiisodch aere worthexploring and cobackmingto! Theselinks areclickableas well.Previous podcast episodesCheck out previous episode of the Australian Finance Podcast, includingEp. 8. ETFs, Managed Funds & Index Funds, Ep. 21. How To Pick &Choose ASX ETFs & Ep. 64. How to build an ETF portfolio, with KrisWalesby of ETF Securitiesraiz invest - micro investing appExplore episode guest Raiz Invest, an Australian micro-investingapp, in more detail over here.compare micro and fractionalinvesting appsTake some time to compare the different micro-investing and fractionalinvesting apps available in Australia.Take note of the structure, investment type, fees, security and risks.Rask’s Beginner ETF Investing CoursEImagine this: In 60 minutes from right now, you know everything you need toknow about ETFs and how to get started.In this free course, we’ll answer the 10 most common questions Australianshave about ETFs, including what they are, how to get started, what you need totell your accountant, and more.Next, we’ll take you through 5 steps for getting started and what you canexpect.EPISODE WORKBOOKWWW.RASK.COM.AU
TUNE IN;THANKS FOR LISTENINGTO THIS EPISODE OFTHE PODCASTCONTACT US:PODCAST@RASK.COM.AUKEEP UP TO DATE:EPISODE WORKBOOKWWW.RASK.COM.AU
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