Invest the spare change

It’s that time of year again. Christmas decorations are in store, event notifications are coming through on Facebook and colleagues are already asking what your plans are for the holidays. Virtually or not, gathering with friends and family this year may have you wanting to lose those dreaded iso kilos. Here are 6 tips from our Dietitian Tess, to help you lose a kilo (or two!) before Christmas. Read Post

Cyber Monday is now in full swing as sales continue on from Black Friday. Remember to shop with your favourites brands through Raiz Rewards to earn cash rewards invested back into your account on top of some of the biggest sales of the year. We know that Christmas can be a hard time on your bank account so take advantage of these sales and rewards to save as much as you can on your shopping! Many of them are for one day only so get in quick.

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This year Black Friday falls on the 27th November but many brands are starting their sales early! We’ll continue updating this blog as we hear of any new Black Friday offers from our partners. Remember to shop through Raiz Rewards in the Raiz app to earn rewards on top of some of the biggest sales of the year, just in time for Christmas. Happy Saving!

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Here at dk active we are always striving towards becoming more sustainable, more eco-friendly and more supportive of this planet that we are so lucky to inhabit.

With the fashion industry contributing significant amounts of waste to landfill (in the way of 500,000 tonnes per year in Australia alone), we are mindful of how we can reduce this impact, whilst also educating our community at the same time. Read Post

Our rewards partner Crabtree & Evelyn are well-known for their luxury bath, body & hair care. They were founded by wanderlust and nature enthusiast Cyrus Harvey who explored the world and brought back capsule collections of the products from his adventures. He didn’t sell soaps, he sold stories. With such a wide range, their products are the perfect stocking-filler for every beauty lover. Not sure what to get them? Crabtree & Evelyn have got the answer with their interactive gift finder! Take the QUIZ now to find a gift for the explorer in your life, based on their personality.

Otherwise if you know what your gift receiver might want but want them to experience a variety of their products, Crabtree & Evelyn allow you to create your own gift box. Select the products you like and they’ll send your picks in a perfectly sized gift box. It’s that simple.

Here are some must-haves:

Velvet Body Melt – 250ML $52.50

Volcanic Ash Face Mask 100ml – $54

Smells like… Tropical flowers after the rain
Feels like… A Balinese mud ritual
Gives you… Smooth, radiant skin

Satin Hand Cream 75ml – $34.50

Check out all of their products and start creating your gift box here.

Shop with Crabtree & Evelyn through Raiz Rewards in the Raiz app and they will invest 7% of your purchase back into your Raiz account. Reward amount and prices as of 20/11/20.

Important Information

If you have read all or any part of our email, website, or communication then you need to know that this is factual information and general advice only. This means it does not consider any person’s particular financial objectives, financial situation, or financial needs. If you are an investor, you should consult a licensed adviser before acting on any information to fully understand the benefits and risk associated with the product. This is your call but that is what you should do.

You may be surprised to learn that RAIZ Invest Australia Limited (ABN 26 604 402 815) (Raiz), an authorised representative AFSL 434776 prepared this information.

We are not allowed, and have not prepared this information to offer financial product advice or a recommendation in relation to any investments or securities. If we did give you personal advice, which we did not, then the use of the Raiz App would be a lot more expensive than the current pricing – sorry but true. You therefore should not rely on this information to make investment decisions, because it was not about you for once, and unfortunately, we cannot advise you on who or what you can rely on – again sorry.

A Product Disclosure Statement (PDS) for Raiz Invest and/or Raiz Invest Super is available on the Raiz Invest website and App. A person must read and consider the PDS before deciding whether, or not, to acquire and/or continue to hold interests in the financial product. We know and ASIC research shows that you probably won’t, but we want you to, and we encourage you to read the PDS so you know exactly what the product does, its risks and costs. If you don’t read the PDS, it’s a bit like flying blind. Probably not a good idea.

The risks and fees for investing are fully set out in the PDS and include the risks that would ordinarily apply to investing. You should note, as illustrated by the global financial crisis of 2008, that sometimes  not even professionals in the financial services sector understand the ordinary risks of investing – because by their nature many risks are unknown – but you still need to give it a go and try to understand the risks set out in the PDS.

Any returns shown or implied are not forecasts and are not reliable guides or predictors of future performance. Those of you who cannot afford financial advice may be considering ignoring this statement, but please don’t, it is so true.

Under no circumstance is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz Invest or Raiz Invest Super.

This information may be based on assumptions or market conditions which change without notice and have not been independently verified. Basically, this says nothing stays the same for long in financial markets (or even in life for that matter) and we are sorry. We try, but we can’t promise that the information is accurate, or stays accurate.

Any opinions or information expressed are subject to change without notice; that’s just the way we roll.

The bundll and superbundll products are provided by FlexiCards Australia Pty Ltd ABN 31 099 651 877 Australian credit licence number 247415. Bundll, snooze and superbundll are trademarks of Flexirent Capital Pty Ltd, a subsidiary of FlexiGroup Limited. Lots of names, which basically you aren’t allowed to reproduce without their permission and we need to include here.

Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.

Home loans are subject to approval from the lending institution and Raiz Home Ownership makes no warranties as to the success of an application until all relevant information has been provided.

Raiz Home Ownership Pty Ltd (ABN 14 645 876 937), an Australian Credit Representative number 528594 under Australian Credit Licence number 387025. Raiz Home Ownership Pty Ltd is 100% owned by Raiz Invest Australia Limited (ABN 26 604 402 815).

Before you know it Christmas will be here, so it’s time to start thinking about what you’re going to get for your family and friends. Members of the Canningvale team have got some fantastic ideas if you’re looking for inspiration. Shop at Canningvale through Raiz Rewards to earn 5.6% of your purchase invested back into your Raiz account!

Large Scented Soy Wax Candle – Blood Orange & Grapefruit

“One of my favourite Canningvale products is the Large Scented Soy Wax Candle in Blood Orange & Grapefruit. The scent reminds me of what it feels like when you’re lying on the beach, drinking a refreshing cocktail, in an exotic location. The candle has a burn life of 65+ hours, so it’s amazing for the price and it even smells delicious when it’s not lit!”

Beautysilks Pillowcases

“My go-to gift this Christmas is the Beautysilks Pillowcases. It’s the perfect combination of something beautiful, practical and unexpected. The gorgeous silk finish is a style statement that will bring a touch of luxury to any bedroom. Plus, the Mulberry Silk is rejuvenating for dry hair and skin so it’s like a beauty treatment whilst you sleep.”

Luxury Cotton Velour Beach Towels

“Christmas in my household means one thing – time to go to the beach! And Canningvale ‘slatest range of luxury cotton velour beach towels are the perfect gift for an Aussie summer. They come in a range of colourful designs that your friends and family will love. The best thing about them is that velour doesn’t hold sand, so they’re perfect for the beach.”

Lusso Cotton Terry Bathrobe Large – Mezzanotte Blue

“This Christmas, I’ll definitely buy the Lusso Cotton Terry Bathrobe in Mezzanotte Blue. I love the spa-like feeling it brings when you wear it. It’ll be the perfect gift for my husband who lives far away from us at the moment. I’m sure every time he puts it on, he’ll feel our love.”

Beautysilks Eye Mask

“The BeautySilks Eye Mask is a perfect stocking filler for the princesses in your life. It’s made from 100% Mulberry silk, which is the most expensive type of natural silk. It’s wonderfully soft and naturally hypoallergenic, ideal for people with sensitive skin.”

Browse Canningvale’s gift section, you’ll find plenty of gift ideas for you and your loved ones.

This article was originally published on Canningvale.

Shop with Canningvale through Raiz Rewards in the Raiz app and they will invest 5.6% of your purchase back into your Raiz account. Reward amount as of 18/11/20.

Important Information

If you have read all or any part of our email, website, or communication then you need to know that this is factual information and general advice only. This means it does not consider any person’s particular financial objectives, financial situation, or financial needs. If you are an investor, you should consult a licensed adviser before acting on any information to fully understand the benefits and risk associated with the product. This is your call but that is what you should do.

You may be surprised to learn that RAIZ Invest Australia Limited (ABN 26 604 402 815) (Raiz), an authorised representative AFSL 434776 prepared this information.

We are not allowed, and have not prepared this information to offer financial product advice or a recommendation in relation to any investments or securities. If we did give you personal advice, which we did not, then the use of the Raiz App would be a lot more expensive than the current pricing – sorry but true. You therefore should not rely on this information to make investment decisions, because it was not about you for once, and unfortunately, we cannot advise you on who or what you can rely on – again sorry.

A Product Disclosure Statement (PDS) for Raiz Invest and/or Raiz Invest Super is available on the Raiz Invest website and App. A person must read and consider the PDS before deciding whether, or not, to acquire and/or continue to hold interests in the financial product. We know and ASIC research shows that you probably won’t, but we want you to, and we encourage you to read the PDS so you know exactly what the product does, its risks and costs. If you don’t read the PDS, it’s a bit like flying blind. Probably not a good idea.

The risks and fees for investing are fully set out in the PDS and include the risks that would ordinarily apply to investing. You should note, as illustrated by the global financial crisis of 2008, that sometimes  not even professionals in the financial services sector understand the ordinary risks of investing – because by their nature many risks are unknown – but you still need to give it a go and try to understand the risks set out in the PDS.

Any returns shown or implied are not forecasts and are not reliable guides or predictors of future performance. Those of you who cannot afford financial advice may be considering ignoring this statement, but please don’t, it is so true.

Under no circumstance is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz Invest or Raiz Invest Super.

This information may be based on assumptions or market conditions which change without notice and have not been independently verified. Basically, this says nothing stays the same for long in financial markets (or even in life for that matter) and we are sorry. We try, but we can’t promise that the information is accurate, or stays accurate.

Any opinions or information expressed are subject to change without notice; that’s just the way we roll.

The bundll and superbundll products are provided by FlexiCards Australia Pty Ltd ABN 31 099 651 877 Australian credit licence number 247415. Bundll, snooze and superbundll are trademarks of Flexirent Capital Pty Ltd, a subsidiary of FlexiGroup Limited. Lots of names, which basically you aren’t allowed to reproduce without their permission and we need to include here.

Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.

Home loans are subject to approval from the lending institution and Raiz Home Ownership makes no warranties as to the success of an application until all relevant information has been provided.

Raiz Home Ownership Pty Ltd (ABN 14 645 876 937), an Australian Credit Representative number 528594 under Australian Credit Licence number 387025. Raiz Home Ownership Pty Ltd is 100% owned by Raiz Invest Australia Limited (ABN 26 604 402 815).

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We enlisted our mates at Wotif.com to share why we should still be planning a holiday and the best budget hacks to get away.

2020 has been the year of stoic and sensible. We stayed at home to fight a global pandemic. We saved our pennies as talk of recession began and job stability became a little less stable. We entered deeper self-reflection as social issues became much louder on a global scale.

It’s easy to become overwhelmed with how things are this year and that’s why it’s important to offer ourselves some respite as well. So really, it’s only sensible to revisit self-care by engaging in activities and experiences that can help maintain and enhance well-being. When we travel, we broaden our horizons, get real-life education, understand ourselves better and get a break from the routine of everyday life. Read Post