Saving money is just as important as the return on your investments. Being able to regularly add to your investments and earn compound returns on your savings (in our view) is the number one way to hitting your financial goals. And we want to make that easy for you.

When you complete your application form you will receive a BPAY biller code and reference number. Store these in your online banking as they will remain active for the life of your account.

If you would like to request a stock transfer or EFT from your bank please contact the Rask Invest team via the chat function in the bottom right hand corner of your screen.

When completing your account opening you'll be given the option to set up a reoccurring direct debit from your bank account into your Rask Invest account. You can also turn this on at any point via the Investment Preferences section.

Starting at a minimum of $100 per month, the Rask Invest administrator will direct debit your nominated bank account on the 15th (or closest business day thereafter) of the month.

Your financial institution will attempt to pull the funds on two more occasions. Following this, your institution may issue you with a direct debit rejection fee. This fee will vary from institution to institution.

There will be a delay between the funds being drawn and your contribution/transactions being shown in your account.

This delay can take up to five business days.

This delay is due to the direct debit process with the bank. Here is the reason:

When the administrator run direct debits, the bank immediately credits our account with the funds requested. This crediting happens before the bank contacts your bank to draw the funds from your account.

The bank contacts your financial institution and attempts to pull the funds. If there are insufficient funds, the bank will try again in the next two business days. If they can't pull the funds, the direct debit is rejected, and the bank claws back the cash they sent through to us.

Because of this, we wait for that rejection process before transferring the funds to your account.

Then, there is a 24-hour delay in our reporting on the website.

This is why there's a delay with funds appearing to be drawn from your bank account to when they are visible in your Rask Invest PMA.

Remember you can always use Bpay to top up your account at any time. You can also set up regular Bpay payments from your banking platform.

There is no definitive answer to this question as it depends on how much you add relative to the current cash balance of your account. Your additional investment must exceed both the minimum transaction size ($150 - this is in place to prevent lots of small transactions) and increase the cash weight 2% higher than the model weight.

Why's that? It's all because the Rask Invest portfolios are operated as model portfolios. Each ETF in the models has a specific weight assigned to it. Therefore, if you invest $20,000 or $2,000,000 you will hold the same percentages. Cash, as an asset class will have a specific weight in each portfolio.

Therefore, it depends on whether your additional investment is enough to push that cash weighting above the model weight, triggering transactions to bring your portfolio back in line with the model.

If adding smaller amounts to your portfolio, these will build up in the cash balance and be invested once they exceed both the minimum transaction size ($150) and increase the cash weight 2% higher than the model weight.

Quick answer, 4-5 Business days

When you BPAY your funds before 6 pm on a business day, they will typically arrive in our PMA Trust Account the following business day.

We will email you that we have received your partial or total funds, depending on the amount you have sent.

Once we have received the total funds for investment, we will then send your funds to the share brokerage account opened in your name. This transfer typically takes overnight as well.

When your funds arrive at the share broker the next business day, we will begin to purchase holdings in line with your chosen portfolio.

Once the shares/ETFs have settled (T+2), we will enable the online platform for you to view and administer your holdings. We will send you a welcome email explaining how to access the online platform.

This process takes about 4-5 business days from when we receive your total funds.

No, whatever you add to your account will be invested in line with the model portfolio. Your account must track your chosen model portfolio.

Due to brokerage charges, we would generally suggest being mindful of them and making larger contributions if possible. Saying that, please refer to the help article "Will all of my funds be invested straight away".

When you add funds you will not always buy all of the holdings in your account. The cash will be taken into account in the context of the percentage weightings of the asset classes in your account and chosen model portfolio. If the cash balance is overweight by 2% or more the cash will be used to buy the ETFs/holdings that are most underweight when compared to the model.

We do not advocate market timing. If adding your savings as you go to your account we recommend sticking to your plan of consistently adding through a dollar cost averaging strategy.

We don't advocate holding off these regular savings in anticipation of a pull back. When waiting you forego capital gains and dividends, also the pull back may not happen.

If you are not following a dollar cost averaging strategy and have additional funds, taking advantage of a downturn when it occurs will prove fruitful over the long-term.