Episode Details

In today’s Start Here episode, we’re answering a very common question:

👉 “Is micro-investing enough… and is something like Raiz a good place to start?”

If you’ve ever felt unsure about how to begin investing — or you’ve come across apps like Raiz Invest and wondered if they’re the right path — this episode will give you the clarity you need.

This is not about right or wrong.

It’s about understanding:
✔️ How micro-investing works
✔️ Where it fits in your financial journey
✔️ And when it may be time to evolve your strategy

💡 WHAT YOU’LL LEARN

In this episode, I break down:

• What micro-investing actually is and how platforms like Raiz work
• The power of round-ups and why they’re so effective for building habits
• The pros of micro-investing (especially for beginners)
• The hidden limitations that can hold you back long term
• The difference between a custodian model vs owning investments in your own name
• What happens when you transition to a traditional platform (including CGT and brokerage)
• Why investing amounts matter and how parcel size impacts your returns
• What to look for in a long-term, more powerful investment platform
• How to build a simple, scalable investing strategy that grows with you

⚖️ KEY TAKEAWAYS

• Micro-investing is a great place to start, but not always where you should stay
• Round-ups help build consistency — but they are not a complete investment strategy
• Fees, structure, and flexibility matter more as your portfolio grows
• Transitioning platforms may involve capital gains tax and brokerage costs
• Building wealth long-term often requires larger, more intentional investment contributions
• Your investing platform should evolve as your confidence, knowledge, and goals grow