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Investments you think you own: the dark side of raiz

Investment Confusion | Raiz Users Demand Transparency in Asset Ownership

By

Fatima Zahra

Apr 7, 2025, 11:21 AM

Edited By

Liam O'Reilly

2 minutes of reading

A visual representation of financial uncertainty, highlighting investment challenges and control

A growing wave of frustration has hit Raiz users, as many express dissatisfaction with the platform's lack of clarity regarding investment ownership and withdrawal processes. As customers discover that sell orders aren't executed until the next business day, particularly in volatile markets, the concern grows.

The principle behind platforms like Raiz focuses on long-term investing, encouraging users to adopt a set and forget mentality. Yet, with newfound pressures to stop losses amidst market fluctuations, some users wonder if this approach unfairly restricts their ability to make timely withdrawal decisions. "I woke up to the reality that I don't have control over my money," one user lamented after attempting to withdraw their funds.

Meanwhile, a significant portion of the community remains skeptical about the claims of full ownership of shares. Many note that even when informed that Raiz is indeed a chess-sponsored platform, the apparent disconnect in support communication leaves much to be desired.

As sentiments continue to pulse through social media and forums, three primary themes have emerged:

  1. Ownership Clarity: Users struggle with the notion that they dont "fully own" their investments, pointing to a need for more transparency.

  2. Withdrawal Delays: The timing of order executions has raised concerns as customers wish for real-time selling capabilities to react to market changes.

  3. User Experience: While some users advocate for long-term investment strategies, others argue for the flexibility typical in trading platforms, pushing back against the prevailing investment model.

While many users are aware of the typical T+2 settlement period, the communication gap remains frustrating. A community member noted, "While I can sympathize with your feelings of frustration, Raiz does not support intra-day trading; it’s all about the long game."

Interestingly, as discussions heat up regarding the platform’s operational model, several users contemplate switching to alternatives like Stake, where transaction processes might align more closely with their investing strategies. "I’d much rather pay $3 to have full control than be left in the dark," said another user in support of a competing platform.

Community Sentiment Breakdown

These comments portray a mixed bag of emotions:

  • Frustration: Users feel isolated and uninformed about their asset management, leading to rising tensions.

  • Understanding: Some recognize Raiz's long-term investing philosophy, expressing acceptance of the existing model.

  • Desire for Change: A significant number of individuals are actively seeking more flexible options to safeguard their investments.

Key Insights

  • ✴️ Users express significant concern about asset ownership clarity.

  • ⚑ Frustration over withdrawal delays resonates widely.

  • πŸ’‘ The market remains divided on the long-term versus active trading approach.

As discussions continue, will Raiz adapt to its customers' demands, or will these voices go unheard? The coming days may reveal the platform's commitment to addressing its users' pressing needs and concerns.