A new way to invest.
How it works
Investing should be regular and it should be for the long term.
So it shouldn't be boring.
Mosaic encourages retention and consistency in investing by offering
a fun and engaging way for users to growth their wealth over time.
Weekly cash prizes for hundreds of users.
For less than the price of a scratchie, users will be eligible for a share in tens of thousands of dollars in prize money.
ALL funds are won by Mosaic users, with no commission or deductions taken.
In this way, Australians help other Australians grow their wealth.
A fun, responsible incentive.
Market returns still outstrip savings accounts rates.*
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After ALL fees and the weekly draw deduction, a Mosaic Invest account will still out-earn a standard bank account over time.*
After 5 years, a Mosaic account will have over $1400 more.
After 10 years, a Mosaic account will have over $8600 more.
After 20 years, a Mosaic account
will have
over
$66,000 more.
The longer you invest, the greater opportunity for growth.
Need help?
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How much can I invest?
Users select from a $10, $25, $50, $75 or $100 automated deposit that will be transferred from a linked bank account to their Mosaic account every week.
However, users will still have the option to invest one-off payments whenever they like.
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What investment options will I have?
Users have the choice of an ETF portfolio based on risk and growth: Conservative, Balanced, Growth or High-Growth, or alternatively, they have the option to choose from a range of 12 world-class ETFs.
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How does the weekly cash draw work?
A users' weekly investment will have 5% automatically diverted into the Mosaic cash pool (note: this amounts to 50c from a $10 deposit)
Each user will then be eligible to win a share from the total cash prize of their pool. I.e. all $10 investors will be in the draw to win the total of their 5% deductions, all $25 investors will be in the draw to win the total of their 5% deductions, etc.
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Why a 5% deduction cash-draw?
A wealth of research has revealed the productive influence that lotteries and competition-style draws can have on people's behaviour.
A modest deduction from a user's investment will have only a minor impact on investment returns, but offer a sizeable incentive for users to continue their weekly investing habits.
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Am I able to withdraw my winnings?
Although re-investing any winnings a user may receive will have a compounded effect on their future investments, a user may withdraw any and all winnings at any time they wish.
* Based on the standard 30 year S&P500 returns of 10% return p.a. and 30 year average Australian bank savings account rates of 3.475%