We wanted to provide you all with an update on COVID-19 and we have a series of FAQs of the most relevant up to date information below.

Whai Rawa Tīma and Business
Is Whai Rawa contactable?

Any alert level changes in Aotearoa still mean business as usual for the Whai Rawa Tīma.

If you’ve got any pātai we are available to help you during normal business hours. If the phone lines are busy you can email us at [email protected] We’re also available on Facebook Messenger.



Are you still processing withdrawals during Alert level changes?

Yes, it is business as usual for Whai Rawa. Any withdrawal applications will be processed as normal including first home, tertiary and retirement. Please allow 10 working days for these to be processed as normal. Note with market fluctuations recently we advise you check your account balance before proceeding with withdrawals and contact us if you’re not sure how much you will have available. You can login at If you are logging in for the first time please reset your password.

Financial Hardship FAQs
I’ve lost my job and I have no money apart from my Whai Rawa account. Can I access it?

Members who are experiencing financial hardship as a result of Covid-19 and are not eligible for Covid-19 Work and Income New Zealand (WINZ) support or international equivalent (or have already exhausted all WINZ support entitlements or international equivalent) can apply for a significant financial hardship withdrawal to meet minimum living expenses. Please visit here to download the form and check if you are eligible.


How do I qualify for a Significant Financial Hardship withdrawal?

See the criteria and full information required to apply for a Significant Financial Hardship withdrawal here –

Can I access funds from my tamariki or mokopuna accounts that I manage?

No, you can only access your own account funds. You cannot withdraw from tamariki accounts.

Market Fluctuation FAQs
Does my balance get affected by market fluctuations?

Your balance may be affected by any market fluctuations that occur. Gillian Boyes from the Financial Markets Authority (FMA) comments that investments work in timeframes of decades, up to 40 or 50 years. For these long-term goals, a growth or balanced fund is usually the best option. These funds have higher-risk assets in them, such as shares and property. So, when world markets are unpredictable, they will be the ones with balances that move around more. The (significant) upside is, over the longer-term these funds will usually provide higher returns, growing your money more.

If you’d like to revisit your Risk profile at this time you can take our Risk Quiz here – This may help you in determining the most appropriate fund for your investments.

What else should I worry about?

The Financial Markets Authority (FMA) has warned New Zealanders to be vigilant of financial scams and cold calls at this time as individuals may try and take advantage of the current market situation and your worries about your investment(s).

These include the following investment offers observed overseas:

  • Goods or industries experiencing strong demand, such as sanitary products or pharmaceutical companies
  • Products supposedly effective against Covid-19, such as vaccines, medications, protective gear or equipment
  • So-called “safe haven” assets, including cryptocurrencies or precious metals such as gold, silver or platinum

Scammers are also using common techniques to trick anxious consumers:

  • Phishing emails, claiming to be from health authorities, banks or insurers, trying to trick people into sending sensitive information, or open attachments with malware
  • Telephone scams, pretending to be from health authorities, claiming that a relative has fallen sick and requesting payments for medical treatment

For more warning signs and ways to stay vigilant, read more here –

Useful Links

To keep updated on investments and financial markets Whai Rawa gathers information from a wide range of parties involved in New Zealand and global markets and we recommend you do the same. Here are some useful links:

Whai Rawa Fund Limited is the issuer of the Whai Rawa Unit Trust. A copy of the Product Disclosure Statement is available at

Past performance should not be relied upon as an indicator of future performance. The information contained on this page is intended for general guidance only and is not personalised to you. It does not take into account your particular financial situation or goals. Before making any investment decision, you should refer to the Product Disclosure Statement or consult an appropriately authorised adviser.