Raiz vs Spaceship vs Commsec Pocket App | Best micro investing apps australia 2023

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Welcome to Best of Ecoduro.com, here in this post we will provide insight into the best micro-investing apps in Australia in 2023.

What is Mirco-Investment? Micro investing is when you invest regularly using small amounts of money. This makes investing much easier, especially because it is done through an app.

Best Micro Investor App Australia  | Raiz vs Spaceship vs Commsec Pocket App.
Best Micro Investor App Australia 2023 | Raiz vs Spaceship vs Commsec Pocket App

Let’s start comparing the best micro investor apps…

Raiz Review

What is Raiz and how does it serve?

Raiz is a micro-investing platform with various Raiz portfolios that you can link to your debit card and your bank account and every time you buy it, you round it up to the nearest dollar and then invest that amount in your Raiz investment share portfolio. Another interesting thing about Raiz on the Platform is the low cost of entry. In fact you can start investing with a small amount of money and you don’t have to risk much.

  • Users can check their Raiz portfolio performance on the Raiz app and they can grab various offers under the Raiz rewards section of the app.
  • Raiz is also listed on the ASX. If you want to find Raiz share price, just search for Raiz asx, Raiz share, Raiz stock in google search.
  • Raiz tax statements are sent annually by Raiz.

How to close Raiz account?

If the user wants to close the Raiz account they can do so through the Raiz app or by calling the Raiz contact number.

Which Raiz portfolio is best?

Raiz Sapphire is the best among all portfolios.

Raiz Referral Code👋

Referral code for Raiz is “👋”. Simply create your Raiz account using this link and get $5 as a bonus.

Raiz vs Spaceship

Ease of useEasyEasy
Trading fees$2.50 monthly$3.50 monthly
Referral amount$10 per refer$5 per refer
PortfoliosLimited portfoliosWide range of portfolios
SecurityPassword, Face recognitionPassword, Fingerprint scanner
Raiz vs spaceship

Raiz portfolios – Best mirco investing app
Raiz portfolios – Best mirco investing app

Spaceship Voyager Review

Spaceship Voyager is a micro-investing platform that gives you access to three managed funds that invest directly in stocks. Spaceship Voyager is not a brokerage platform but a managed fund where your money is drawn and then invested and managed on your behalf. When you choose to invest in one of the three available portfolios, a spaceship will manage the portfolio construction and how the invested money will be distributed. Each Spaceship portfolio is a managed investment scheme which means you cannot choose any of the shares in the portfolio. You can invest as much as you want and there is no minimum requirement offering diversification across these three platforms.

  • Spaceship Origins: Tracks the top 100 stocks passively.
  • Spaceship Universe: Actively managed fund that tracks top worldwide stocks.
  • Spaceship Earth: Consists of companies making a positive impact on carbon emissions
Spaceship Portfolios
Spaceship Portfolios

Spaceship Voyager Referral Code👋

The referral code for the spaceship is “👋”. Simply create your Spaceship account using this link and get $10 as a bonus.

Commsec Pocket Review

  • What is Commsec Pocket?
  • How does Commsec Pocket work?
  • How to use Commsec Pocket?

All Above Questions Answered – This app works the same as the Raiz Investment app that many people in Australia have been using for years now. Commsec pocket etfs investment and it offers seven different investment options but all those investment options are based on etfs only and they keep it quite cheap in this app. You can start with as little as $50 and up to $1000 and the brokerage fees is only $2. In total the app offers seven different investment options: These are AU Top 700, AU Dividends, Global 100, Emerging Markets, Health Wise, Sustainability Leaders and Technology.

CommSec Pocket NameTickerSelected ETF
“Aussie Top 200”IOZiShares Core S&P/ASX 200 ETF
“Aussie Dividends”SYISPDR MSCI Australia Select High Dividend Yield Fund
“Global 100”IOOiShares Global 100 ETF
“Emerging Markets”IEMiShares MSCI Emerging Markets ETF
“Health Wise”IXJiShares Global Healthcare ETF
“Sustainability Leaders”ETHIBetaShares Global Sustainability Leaders ETF
“Tech Savvy”NDQBetaShares NASDAQ 100 ETF
Commsec pocket ETFS

Commsec pocket ETFS
Commsec pocket ETFS


These three apps are fundamentally different from each other. Commsec Pocket app and their structure is really simple and the reason is to allow you to easily invest in trading funds exchange and it actually offers seven trading funds.

Things get a little more complicated with Raiz. It uses exchange traded funds but they do it in a slightly different way. What they do is they offer six different options from low to high risk and they really diversify etfs which is a little ironic when you think about the fundamental nature of an etf.

The Spaceship Voyager app makes managing funds really easy. It uses multiple etfs in different ratios. With managed funds there are so-called experts who manage in and out of management and then change it based on what they think is best.

Raiz vs Spaceship vs Commsec Pocket App Payment


Raiz paymentSpaceship voyager paymentCommsec pocket payment
$3.50 per month$2.50 per month$2 per trade under $1000
0.27% balance over $15000some % on account balance + $30 P A0.20% per trade over $1000
Raiz vs Spaceship vs Commsec pocket payment comparison

Minimum investment as per Raiz vs Spaceship vs Commsec

Commsec Pocket has a minimum investment of $50, while Raiz Invest has a $5 a minute investment and Spaceship Voyager has no minimum investment.

RaizSpaceshipCommsec pocket
Raiz vs spaceship vs commsec pocket app investments


The risk of commsec pocket apps is truly low. You can see their commsec pocket app and commsec pocket review.

Is Raiz Safe? Is the Raiz worth it? The risk depends of course on which option. Choose You they offer six different Raiz portfolios with Raiz kids that are tailored to their risk level. The overall risk level is moderate to high. Overall, Raiz reviews, Raiz app reviews are very nice.

The risk they have on the spaceship Voyager is probably a little higher because they haven’t been around that long. It came to Australia in 2018.


All these micro investment platforms Compared to Raiz vs Spaceship vs Commsec Pocket apps are priced differently in that they often seem easier to use and they are much easier to get started with. The main difference between all of them is the payment. And I think the spaceship is still underpaid after all the modifications they’ve made.

Checkout is the best crypto to invest in now in 2023

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My name is Satyajit Srichandan and I am resident of Jatni, a small town dist Khurda in Odisha. I have done 12th Commerce from Prana Nath College in Khurda.

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