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$5 Referral on Spaceship Voyager ($5 Minimum Deposit) (Until Sep 30 2020)

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$5 Referral on Spaceship Voyager ($5 Minimum Deposit) (Until Sep 30 2020)
Go to Deal
atlinus on 04/08/2020 - 17:36 spaceship.com.au (1911 clicks)
Last edited 01/09/2020 - 12:38 by 2 other users

Spaceship Voyager referral bonus is back but ony for $5.
Previous post last July gets $10 referral bonus has already expired and referral database was deleted.

The $5 referral codes are valid up to Aug 31, 2020. Sep 30, 2020.
Spaceship Voyager $5 referral bonus for both referrer and referee once a minimum $5 has been deposited by the referee within 14 days of signing up.

I am a Spaceship Voyager user and has no association with Spaceship Voyager.

Two portfolio to choose from: Spaceship Universe Portfolio and Spaceship Orogin Portfolio.

The referral codes can be entered once you signed up.

Instruction to enter code after you signed up:

In mobile app:

Go to Account -> Referrals -> Enter Referral Code

On Website:

Go to Account (bottom left) -> Referrals -> Click on "Click Here"

MODS: Please create a new referral links on OzB as the referral database was deleted.

Mod Note: New Referral System has been setup.

Referral Links

Referral: random (185)

$10 referral bonus for both referrer and referee

Referee must add a referral code and deposit a minimum of $5 within 14 days of sign up.

(Referrer must have already deposited a minimum of $5 to qualify.)

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closed Comments

    • atlinus on 04/08/2020 - 17:51
      +10

      There is no other way to add referral at the moment. Mod deleted the existing referral database.
      Why I put the a message for mods to cleare the OzB database if you read.

      Mods will create/setup the OzB referral database.

    • creeps_bay on 04/08/2020 - 18:25

      I see the post has been updated since my comment.

      • atlinus on 04/08/2020 - 18:34

        Modified by MOD I guess when they create the OzB database for referrals - happy?

  • MatrixM on 04/08/2020 - 17:43
    +1

    Just messaging so can check back when referral system us back.

  • ruskiromka on 04/08/2020 - 17:48
    +1

    Voyager Vs. Raiz Vs. Commsec Pocket Vs. Vanguard Personal Investor

    • netjock on 04/08/2020 - 19:01
      +9

      All different purpose products.

      Voyager - their own constructed portfolios, regular investing
      Raiz - invest your spare change into their constructed portfolio
      Commsec pocket - invest when you want into limited range of indexes
      Vanguard - more like a regular share trading account

      Work out level of involvement you want to have, work out whether the portfolios would keep you awake at night about losing your money.

    • melbstheburn on 04/08/2020 - 19:08
      +1

      I have been with raiz the last 9 months, I'm up 8.5% which is pretty good as I brought just before covid slump

      • ATangk on 04/08/2020 - 19:19
        +2

        Voyager has supposedly been up 40% over the last 12 months.

        • melbstheburn on 04/08/2020 - 20:00

          As I stated, I started just before the bust so my figures should be bad. If I started 12 months ago I would have a much higher %

          • Unseatingcargo1 on 04/08/2020 - 20:21
            +2

            @melbstheburn: Voyager was $1.48 at the peak before COVID, now it's $1.68 representing a 13.5% growth from peak before crash to now. Voyager is FANG heavy, so that's why it is doing so well.

      • firestint on 04/08/2020 - 21:41

        Started with both spaceship and Raiz around the same time, back in Feb. A small amount invested automatically every fortnight for both.

        Spaceship universe up 12% vs Raiz moderate aggressive up 5% incl dividends reinvested. Fees for spaceship $0 given my balance is less than $5k vs Raiz $2.50 per month. Of course past performance is no guarantee of future results so will continue with both to diversify risks.

        • melbstheburn on 05/08/2020 - 06:46

          I'm on the aggressive portfolio if that's any help (historically has the best returns)

  • Ryk on 04/08/2020 - 17:49
    -3

    Is this a real product? seriously, Spaceship ??
    $5 for investing, barely one telstra share. big spenders…

    • ruskiromka on 04/08/2020 - 17:56
      +15

      Best micro-investing app by a mile. Fees? $2.50 per year, free in some cases! Awesome selection of growth stocks in the Universe Portfolio 40% YTD return. 10/10.

    • atlinus on 04/08/2020 - 18:00
      +9

      You can start investing for as low as $5.
      You can also run and close the account after you get your $5 joining bonus if you think it isnt for you.

      Spaceship Voyager issued by Spaceship Capital Ltd AFSL 501605.
      They are licensed by Australian financial services (AFS) to conduct a financial services business.

      No trading fee up to 5k portfolio.
      Raiz charge you $2.50/month
      Pocket charge you $2/trade
      Vanguard has keeping fee

      • ruskiromka on 04/08/2020 - 18:13
        +5

        Spaceship is so much better for me its a no-brainer! Also love their stock slection in the portfolio, best growth stocks in the world for free (essentially).

    • theg00s3 on 04/08/2020 - 18:28
      +4

      You don't get to choose the individual shares to invest in. These are managed funds

  • langitbiru on 04/08/2020 - 18:20

    Thanks OP

  • w37hsyea on 04/08/2020 - 18:53

    It's a decent site & app - been using it for long time.

  • samyall on 04/08/2020 - 19:10
    +2

    I joined on the last referral deal and so far have been loving the app. Very easy to use but be warned that depositing is slow (a few days) so it is basically impossible to "play the market" using this. This is more geared towards long term savings, but with little to no penalty for withdrawal.

    • atlinus on 04/08/2020 - 20:15

      It is not a platofrm for trading.
      It is for investing long term similar to your SUPER.

      In SUPer, your employer top up on a regular basis no matter what the condition of the market.
      you dont even bother how long your employer takes to deposit the money to your SUPER.
      Most of the time you dont even check the performance of your SUPER often and where they invest or how they invest your money.

      Depositing to Spaceship takes about 5days. Withdrawing your money they said takes less than that (I havent withdrawn any).

      It is frustrating when it takes a long time to deposit.
      But read above, with your SUPER most if not all dont even bother when your money was deposited by your employer.
      You only look at your payslip if money was deducted for your SUPER.

      I top up on a weekly basis and you can top up as low as $5.

      If the market dip, maybe think of doing a manual top up with a bigger amount.

  • 2pro4sho on 04/08/2020 - 19:15

    Seems like a good time to invest in the market…

    • firestint on 04/08/2020 - 21:43
      +2

      Maybe a few months ago…

      • T18 on 04/08/2020 - 22:44

        Agreed, I got in around the bottom of covid

  • piston3461 on 04/08/2020 - 19:15
    +3

    Universe profile is great , switched on fund managers

  • Xizor on 04/08/2020 - 19:20
    +1

    Just setup a real trading account with Selfwealth and select the appropriate ETFs for you. Its a really quite shockingly small learning curve (read reddit ausfinance) to get into ETF passive investing, which is basically all this is. Cut out the middleman.

    • abc on 04/08/2020 - 19:41
      +3

      Depends how much money you have. If you have a lump sum sure. If you can only afford a few bucks a day or only invest a little at a time the brokerage will cruel your earnings.

    • coffeehunter on 04/08/2020 - 20:05
      +3

      Spaceship works well for me to save on brokerage and build up my parcel sizes, I like to do weekly deposits into Spaceship and then withdraw once I have a decent sum to invest. Earns a hell lot more then leaving it in a HISA.

      • Xizor on 04/08/2020 - 20:25
        +1

        Yeah, that is fare point for small sums and a good way for some to ease in. Good catch.

        As for it earning more than HISA, well, that all depends on the market and when you invest/sell. Under the pretty app and funky name its just the stock market with all the ups and downs that come with it. Will be interesting what they start charging once they hit their growth goals.

        • abc on 05/08/2020 - 10:03
          +1

          I'm not sure how sustainable their fee structure is tbh. A lot of their money they would be managing for free as they seem to be targeting millennials with not much savings and other people who are into "micro investing".

          Would like to see their company reports :P. I know your money is "safe" as it would be in a trust, however if Spaceship went belly up you wouldn't see your money straight away as there would be a process of either liquidation or transfer to another investment manager.

          • Xizor on 05/08/2020 - 10:18
            +1

            @abc: I think they do have a bit of colourful history to them. I recall reading some highly skeptical views a year or so ago that was enough to keep me clear, but im already in ETFs anyway. Like any company in a "growth" or acquisition" it's only a matter of time before the fee's have to go up. But the more people who get comfortable with the ups and downs of the market and have the fortitude to ride it through the better IMO.

          • atlinus on 05/08/2020 - 10:29
            +1

            @abc: I also wonder how sustainable having FEE free structure up to 5k and only 0.05% / 01% annual fee if over 5k.
            Maybe good to ask them directly how they were able to sustain their fee structure.

            Im thinking they are using a robo-advisor so they dont have to pay much for fund managers and not much ove heads.

            From what I read that there are actually customer that are paying and continuing with their investment over 5k.

            I would and I am willing to pay for 0.1% annualy for SSV Universe portfolio.
            For a 10k portfolio, I will be paying $10 per year, still cheap compare to Vanguard (website says they charge less than 1%) though Vangaurd is more reputable and has a been there for a while.

            US has a different structure where brokers like RobinHood , Charles Schwab and eTrade able to provide No trading fee.
            Mainly they earn from the cash balance available, use it for margin lending and other services.

  • Charlie Dont Surf on 04/08/2020 - 19:32

    Thanks, hadn't heard of this.

  • rakeycakey on 04/08/2020 - 19:34
    +3

    Happy to report I am up 40% in Voyager. I put wayy more money into Acorns (now Raiz) and essentially even from when I started. Just withdrew 50% of my Raiz to put into Voyager as it's clearly the better performer, and I would argue that the investments are more future proof.

    • T18 on 04/08/2020 - 22:41

      Wonder why you got negged

      • abc on 05/08/2020 - 10:08

        Butthurt.

  • Digitalco on 04/08/2020 - 19:40
    +1

    Do you think this is a good app for beginners?

    • abc on 04/08/2020 - 19:48
      +3

      Absolutely. There are no fees for balances under $5K and 0.05-0.1%pa above $5K depending on the portfolio.

      You can invest as little as $1 at a time.

      Look up the concept of Dollar Cost Averaging which would be good for a beginner to learn by putting in a set amount each week, fortnight or month. Regardless of what the market does you ignore it and keep investing without fail. Over the long term one is rewarded for this kind of discipline.

      • Xizor on 04/08/2020 - 20:27

        Following the concept of DCA… compounding!

  • High on 04/08/2020 - 19:50
    +1

    Asking for bank client ID and access code? This is crazy… otherwise need to contact support to verify account.

    • atlinus on 04/08/2020 - 20:06
      +1

      You can do it manually if you are not confident logging in to your bank acocunt.

    • coffeehunter on 04/08/2020 - 20:06

      You can contact them if you want, I've done it before and all they needed was a bank statement and verified it in like one business day.

  • heal on 04/08/2020 - 20:01
    +5

    I started with Spaceship in August 2018 with a $5 deposit. I have received $50 worth of referrals over that time, and my current portfolio balance sits at just over $89. Not bad for $5.

  • skido on 04/08/2020 - 20:23

    universe or origin?

  • Jimothy Wongingtons on 04/08/2020 - 20:35

    Really slow deposits. Been in since last referral deal and seeig a pretty okay gain.

    The plan is to just throw spare change at it tilll get to 5k then withdraw and throw into a 5k parcel of VDHG.

    • skido on 04/08/2020 - 20:35

      noob here, what are you investing in?

      • Jimothy Wongingtons on 04/08/2020 - 20:38

        What? On spaceship? You only choose original investment scheme - thats it.

  • skido on 04/08/2020 - 20:35

    guys, why does it say that my referral code is " INELIGIBLE " ?

    • BargainJunkie on 04/08/2020 - 20:39

      App issue that happens from time to time. If you restart the app or log back in again that will resolve it.

      • skido on 04/08/2020 - 20:41

        seems its a bit laggy, just refreshed it and seems to work. thanks!

  • tunzafun001 on 04/08/2020 - 20:47

    1. Are the funds government secured?

    2. How/ what do you report in your tax? (This a trust setup? Fair bit of extra book keeping for a few $).

    • atlinus on 04/08/2020 - 20:59
      +4

      It is not a savings account.
      It is invested in Stock market, can go up or down in price.

      Spaceship Voyager issued by Spaceship Capital Ltd AFSL 501605.
      They are licensed by Australian financial services (AFS) to conduct a financial services business.

      Yes you need to report in your tax as Spaceship gives distribution (similar to dividend) at the end of financial year (may or may not).
      You also need to declare if you sell and made a gain or losses.

      Wait till end of Jul or early Aug (Spaceship sends statement record to ATO by end of July) to file tax as it will be autoprefill like your savings account when you tick (manaeg fund).

      It is autoprefill in Mytax, you can do it yourself. - just tick the box that says "Manage fund" and MyTax will pull the details.

  • da1andonly on 04/08/2020 - 20:48

    Only $5 now? Pointless… You're better signing up to etoro, they'll give you $100 for every referral.

    • atlinus on 04/08/2020 - 21:07
      +1

      (etoro)And you need to deposit $200 and make a trade to get your referral.
      When you send $200 you are subject for FX rates (AUD to USD).
      Can get more from referral but a bit complicated (fx rates, what to buy, when to buy, how much to buy) for first time investors.

      • da1andonly on 04/08/2020 - 21:22
        -1

        Yeah, I think it's worth that little more effort. You will get 100usd for signing up, so that around $140 aud. So which would you rather have $5 or $140?

        • atlinus on 04/08/2020 - 22:24
          +2

          I would get em ALL.

          But I am going to stick for the long run using Spaceship than eToro.
          - less capital / can automate auto top up evne with small increments
          - I dont need to think what stock or company to buy (though i have other broker account and i admit i also buy individual stock but i don't want to add up
          - Diversify my investment using a manged fund like Spaceship aside from buying individual stocks/ETF's
          - I can auto top up and set as little as $5 weekly or change the amount as I wish/ can also do manual when I see more opportunity and available funds.
          It is ready diversified in globalstock (I choose Universe). as los as $5 invested in Tesla and google etc… you can't buy $5 worth in etoro though I think they now offer buying in partial/fraction but it has minimum amount.
          - I don't want to think about fx rates converstions when using etoro (though you cna hire an accountant to do everything for you just give them th statement)
          - less tax filing to worry about as you need to convert aud to usd and depends on the number of trades in eToro
          Spaceship provides statement around end of July and its auto prefill in MyTax once they sumitted the records to ATO
          - Those who are not familiar with stock market can start and not much risk starting as low as $5 just to test the water than putting in $200 on eToro
          - I can take it out unlike SUPER that you need to wait for retiremnt pension age.

          I think Spaceship is a good intro to investment in stock market.
          When they are comfortable enough about buying/selling and how stock works and researching on companies they like then they can level up and use Etoro or Stake or SelfWealth to buy individual stocks or crypto.

    • abadacus on 07/08/2020 - 00:10

      Do you know how long it takes for the etoro referral bonus to be paid?

  • wako on 04/08/2020 - 21:51
    +2

    Debroah congrats on your $5 referal bonus :)

  • RedSky on 05/08/2020 - 02:00
    +2

    So this an active fund that focuses on growth stocks? With a snazzy app? There are a ton of active and passive ETFs that do the same thing. There's no reasonable expectation that this company will outperform the market. Active funds generally underperform passive. These guys don't have a track record like Buffett.

    Return is proportional to risk. If they have outperformed the market broad index, they were probably in riskier stocks. That means generally when the market does drop (and doesn't rebound sharply like this time), they will book bigger losses than the index as well.

    I genuinely hope that those putting their money into this are aware that there is non-insignificant risk of being down 20-40% on another market crash like March without an immediate bounce. There is nothing special about this fund.

    • Leuke on 05/08/2020 - 09:54
      +1

      I use it as a tool to help my friends and family understand ETF investing without incurring much risk. Many people don't have any knowledge about getting into the stockmarket or ETFs, and this can be an easy way to show them. Investments up to 5k are fee free, so they can put money in and pull it out as they please without worrying about brokerage. Once they understand the system, I help them move on to Vanguard ETFs.

      • RedSky on 05/08/2020 - 12:20

        I think the correct approach gaining an understanding is a paper money account.

        I fully get this app offers convenience and a nice UI which is more enticing to get started but nobody should be fooling themselves into thinking they are low risk. This is a high risk/reward fund.

        The tech stock / growth bias means they're buying momentum stocks with high betas and expensive valuations. This has worked out well in the past 10 years, but there's no guarantee this will continue. Fundamental valuations can only get so stretched.

        If (when) the market crashes, a portfolio like this will drop further than a more balanced index that includes value / dividend stocks.

        • squarepants on 05/08/2020 - 13:37

          Out of curiosity, you seem very confident that a market crash is coming, may I know what that is based on please?

          • RedSky on 05/08/2020 - 22:43

            @squarepants: Stretched fundamental valuations especially in the US based on P/E, EV/EBITDA, CAPE, take your pick. I don't pretend to know when the market will correct, but historically markets mean revert. If you look at forward returns, when valuations were this high historically, they were poor/negative. That's why I think being in growth stocks right now is particularly risky.

        • Leuke on 06/08/2020 - 12:00

          While I think you're right with the theory of a paper money account, in reality I don't think it holds enough gravitas for many people to really get an idea of what're they're signing up for.

        • Autonomic on 02/09/2020 - 13:49

          If (when) the market crashes, a portfolio like this will drop further than a more balanced index that includes value / dividend stocks.

          Not saying you're wrong, but we just had a major crash a few months ago and we can see how that turned out for tech stocks vs value/dividend stocks.

    • atlinus on 05/08/2020 - 10:00
      +1

      Yes, it is like other investment (active / passive ETF) that does the same thing (invest in the stock market).
      There is always risk involve like any other investment on the stock market.
      Nothing special but gives opportunity to those who wants to start investing in the stock market with low capital expose on diversified global portfolio.
      Others use this to start accumulating and when they have enough, they take it out and buy individual stocks rather than waiting to have enough capital.

      It is type of micro-investing platform where you can invest using small amounts of money (manual or regulat top up) and makes investing more accessible as it accessible using mobile app that appeals to younger generation.

      Those fund managers/large institutions and retail investors who thinks everything was over price already missed out the run from March despoite covid cases increasing in US and some parts of the world.

      I may have missed buying a lot during the dip as I am also on the fence how te market keeps going when unemplyment and covid cases are still increasing in some parts of the world, but Spaceship keeps me invested as I set a weekly top up so in a way i didnt missed a lot if I wasnt able to buy much on the individual stocks.

      I always tell to myself and to anyone I know to treat SpaceshipV like your SUPER (long term investment). It is not designed for short term trading.
      You can actively manage it by increasing, stopping reducing your top up or taking it out

      • RedSky on 05/08/2020 - 12:31

        If you're younger and have the time horizon and risk tolerance to tolerate a 40% drawdown and being underwater for say 3-5 years then they're not a terrible option.

        This would be a terrible option for someone approaching retirement. From what I've gathered, they're not really calibrating your portfolio to your risk like robo advisers do.

        If you think my scenario is unrealistic, I suggest reading about the history of the Nifty 50 in the US. This fund looks like it's taking the same approach and buying growth stocks at any price. Just because this has worked so well for the past 10 years doesn't mean it will continue. If anything, markets are mean reverting and stretched valuations have become more likely to correct down.

        https://en.m.wikipedia.org/wiki/Nifty_Fifty

  • reactor-au on 05/08/2020 - 07:37
    +1

    Note, not Starship Voyager.
    Leaves disappointed.

  • sandman20104159 on 05/08/2020 - 09:29

    i hope my money doesn't end up on the other side of the galaxy!

    • atlinus on 05/08/2020 - 09:40

      To the moon and back just avoid those blackhole.

  • bigchunguss on 05/08/2020 - 10:53

    Damn i remember when this app first came out and was giving $50 referrals.

    • Leuke on 06/08/2020 - 12:00

      I got $20 when I signed up, but it's been $5 for awhile.

  • Tsort on 06/08/2020 - 23:40

    Sorry to whoever whose referral code I clicked, but then not using. I have gone through set up process to the end and I can't see where to enter referral codes, suddenly account created already….. No $5 for you neither for me…

    • atlinus on 07/08/2020 - 00:15

      You need to create the account first which what you already did.
      Once account is created, login and follow the instruction on the post if you are using mobile or website to enter the code to get the $5 bonus.

  • tunzafun001 on 08/08/2020 - 00:33

    Minimum age? Can you set something like this up for kids? Tax implications?

    • atlinus on 08/08/2020 - 01:11
      +1

      16 yrs old.
      They said they have plans for kids account (i asked more than 6 months ago)

      Workaround:
      If you have two kids.
      You and your wife can opens two account ( one universe and one origin portfolio). You got 4 account allocated to each member of the family. Open kids account when they turn 16, sell the assigned account for your kids and use the proceed to fund their own account.

      Or just invest as much on your account and sell portion of it to fund your kids account when they turn 16.

      Same effects (primary/guardian is taxed) on tax implication if there is a sub account for kids on most stocks, the primary/guardian is taxed for the kids account anyway. Only advantage of having sub/kids account is it can automatically transferred to their own name once they reach legal age seemlessly.

      • hanofee on 08/08/2020 - 12:13

        Yeah I did that too. Will worry about the transfer when my kids reach 16 (mine still years away). If spaceship is still a thing when the times comes, I guess we could just withdraw all and reopen with kids name to reinvest.

        • atlinus on 08/08/2020 - 17:15

          You may withdraw partial on your account and use those to fund you kids when they tur 16.

  • AusGeno on 11/08/2020 - 18:42

    Finally had my transaction complete. So far I've made minus 10 cents! Yay I'm playing the share-market!

  • AusGeno on 12/08/2020 - 16:12

    Woo now I'm down to -48c lets ride this spaceship all the way to the bottom!

    • Chickenleg on 15/08/2020 - 07:32
      +1

      I was down but now up 14c. This is way too much of an emotional rollercoaster for me.

      • AusGeno on 17/08/2020 - 14:36
        +1

        And I'm up 13c! We're on the gravy train now! Toot toot!

      • AusGeno on 10/09/2020 - 16:13

        Hows your Voyager account now? I was up almost $4 but got wiped out over the last week, only up 50c now.

        • Chickenleg on 10/09/2020 - 17:40
          +1

          Same! I realise it's all ebbs and flows but i couldn't imagine throwing a decent amount of money in, unless you had money to burn

  • Chickenleg on 15/08/2020 - 07:31

    Completely forgot to enter a referral until now, enjoy the $5 Shaun 😄

  • abc on 01/09/2020 - 12:56

    Referral bonus extended Sept 1st to Sept 30th.

  • Moderatorhamza23 on 01/09/2020 - 13:10

    New codes for September, current codes expired, you'll need to enter your new code into the system (you will also have received a site notification).

    • atlinus on 01/09/2020 - 19:00

      Thanks Mod.

      Spaceship Universe curernt unit price at $1.79
      Broke $1.80 level a few days ago.

      Price increase was mostly contributed by US tech stock.

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