Raiz Review: Compare Raiz (Acorns) vs Stockspot
Raiz (previously Acorns) is a micro investing app that allows you to round up your daily spending and automatically invests the change into an investment fund pooled with other people's funds. Stockspot is Australia's first & largest online investment advisor (robo advisor), founded in 2014.
We compare Raiz and Stockspot, so you can make an informed decision about the best way for you to invest.
Raiz Review: Compare Raiz & Stockspot
Stockspot
Stockspots fee structure is markedly lower than active fund managers and traditional financial advisers.
Stockspot management fee starts from just $1 per month for accounts up to $20,000, see Stockspot's full fee tiers here.
Raiz
The Lite option charges $2.50 per month for balances under $1,500, with access to three preset portfolios only and no access to Raiz Kids.
The Regular option charges $5.50 per month up to $26,000 and/or 0.275% p.a. account fees for balances above $26,000. Sapphire Portfolio and Property Portfolio incur a $5.50 monthly fee and 0.275% p.a. account fee.
The Plus option charges $6.50 per month for balances up to $28,000 or 0.275% account fees for balances above $28,000.
Stockspot
Stockspot charges 0.66% p.a. for balances between $20,000 and $199,999,
0.528% p.a. for balances between $200,000 and $1,999,999
and
0.396% p.a. for balances above $2,000,000.
Raiz
The Lite option is not available for balances above $20,000.
The Regular option charges a $5.50 account fee for balances up to $26,000 or a 0.275% p.a. account fee for balances above $26,000.
For the Sapphire and Property Portfolios, the fee is $5.50 per month plus 0.275% p.a.
The Plus option applies a $6.50 account fee for balances up to $28,000 or a 0.275% p.a. account fee for balances above $28,000.
StockspotKids invest for free with Stockspot with zero management fees for kids accounts up to $10,000 or until they turn 18.
RaizNo fee-free option for kids.
StockspotPersonal investment advice based on your situation, your goals, your timeframe and your personal capacity to take risks with returns. You receive a personal Statement of Advice. Stockspot is bound to act in your best interest and review your situation annually.
RaizWhen you sign up to Raiz, you need to select an investment strategy yourself. No personal Statement of Advice is provided.
StockspotStockspot does not mix your money up with other investors. All investments are held on your own individual HIN (Holder Identification Number) at the Australian share registry. Is a safer way of investing because your funds are separated from other peoples in your own account.
RaizRaiz pools your money into a Managed Investment Scheme where Instreet Investment Limited is the Responsible Entity and Australian Executor Trustees is the Trustee. Fractional units not owned by investors are held on Raiz's own account, not yours.
StockspotNo custody risk.
RaizThere is a risk that the Fund may incur a loss arising if the Custodian fails to meet their obligations, including its obligation to provide for the safe custody of the assets of the Fund.
StockspotDividends and distributions are paid directly into your account. You get the full tax benefits and have control over your dividends and distribution.
RaizAll dividend and distribution income is automatically reinvested. If you would prefer to receive your distribution as income, investments need to be sold.
StockspotStockspot offers a personalised sustainable investment option for each portfolio type.
RaizRaiz offers a single sustainable investment option.
Stockspot$1,000
Raiz$5
* Information on Raiz (previously Acorns Australia) is based on details from their website, blog and Financial Services Guide (FSG) as at 31 December 2025.
Get your free personalised portfolio recommendation
Benefits of Stockspot portfolios
Investment expertise
We continually research and review the best investments for your portfolio
Keeps risk under control
We precisely rebalance your portfolio as the market changes
View your portfolio anytime
You can keep track of your portfolio and investing goals online and on our app
Enjoy fewer ups and downs
Diversification into bonds makes our portfolios less risky than just owning Australian shares
Makes your money work harder
We automatically reinvest your dividends, earning you more
Local team available to help
We help thousands of people every day, from those just starting out to experienced investors
Trusted by thousands of Australians
We're trusted by thousands of clients to manage hundreds of millions of dollars. That's because we always act in our clients' best interests.
