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Waiho i te māhaka tī kia kore ai e motu Choose a fund to help you achieve your goals.

Bringing Investor Choice to our members has long been a goal for our scheme. We are creating options for all whānau – no matter your age, Whai Rawa savings balance or life stage. You can now choose a fund that better reflects your personal needs and risk appetite.

Make the choice
Choosing a more appropriate investment fund is an important decision and may have a significant impact on your investment... for your future education, whare or retirement. The Whai Rawa Unit Trust (the Scheme) is invested in Mercer Investment Trusts New Zealand’s Socially Responsible Conservative, Balanced and Growth Portfolio’s. The level of risk and return in each Portfolio correspond to your fund choice.
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WHAI RAWA FUND OPTIONS
Tōtara
Conservative Fund
Mataī
Balanced Fund
RāTā
Growth Fund
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Socially Responsible Funds
Socially Responsible means sustainable and ethical investments. We live on an increasingly ecologically-stressed planet and there is rising concern over the impact of companies on individuals, the environment and communities. There is also a growing movement of investors who recognise the connection between investment and real-world impact. Socially Responsible investors want their funds to reduce pollution or exploitation, and to invest in companies with high ethical standards.
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Supporting our whānau
Whai Rawa aims to play an important role in the future of Ngāi Tahu whānau, who are members of Whai Rawa, by supporting savings for three main kaupapa – tertiary education, home ownership and retirement. Also by supporting whānau to register tamariki and mokopuna, Whai Rawa can have a direct impact on the future Ngāi Tahu whānau and create better futures for the next generation.
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Ngāi Tahu Contributions
Take advantage of contributions to your account from Te Rūnanga o Ngāi Tahu. Since setting up Whai Rawa, Te Rūnanga o Ngāi Tahu has contributed over $35 million in matched savings, distributions and associated tax credits. 
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WELCOME TO INVESTOR CHOICE whānau

FAQs - Investor Choice General
What is Investor Choice?

Traditionally, Whai Rawa Funds were invested in a Socially Responsible Conservative Fund. You can now choose between three Socially Responsible Fund choices for your investment– Conservative, Balanced or Growth. Each comes with its own level of risk.

What might be best for you might not be best for your tamariki. This is great opportunity to decide on whether you would like to switch Funds, or you can do nothing and remain in the Conservative Fund.

What is Te Puāwaitanga?

We’ve called our Investor Choice journey Te Puāwaitanga. It references the growth of the Scheme to three Funds, each with their own level of risk. Like a tree that takes years to grow, your investment will also be impacted by how long you save, your contributions, and local and global market activity.

What are the new Fund options?

You can now choose between three Fund choices for your investment– Conservative (Tōtara), Balanced (Mātai) and Growth (Rātā). You can choose a Fund that better reflects your needs and risk appetite.

On our Investor Choice journey we’ve associated South Island trees with each of our Funds. The associated trees reflect the characteristics of each Fund type.

Tōtara reflects our Conservative Fund.

Mātai reflects our Balanced Fund.

Rātā reflects our Growth Fund.

Are all the Funds Socially Responsible?

Yes, all Whai Rawa’s Fund portfolios are Socially Responsible.

FAQs - Investor Choice Switching
How do I switch Funds?

Have you recently received an email from Whai Rawa on Investor Choice and the new Fund options?

Your email will have a link to a website which will help you to take the risk quiz and/or complete a Fund switch. You can also select to remain in the Conservative Fund.

Have you recently received a post pack from Whai Rawa on Investor Choice and the new Fund options?

Visit the website on the postcard to link to a website which will help you to take the risk quiz and/or complete a Fund switch. You can also select to remain in the Conservative Fund. You can also take the paper risk quiz and if you’d like to make a switch complete the form at the bottom and return in the post and we will send you a paper switch form (and a Product Disclosure Statement) to complete and return.

I haven't received anything?

Communications will be sent via email on the 20th and 21st February. Post packs will be sent from the 20th February. Please allow up to one week to receive these via post.

If you do not receive a pack, please call us to check we have your correct details on our system. You can also check your personal details by logging in to your Whakapapa account here. We’ll need your updated email or post address for you to receive the Investor Choice pack.

How do I know which Fund to choose?

Within your Investor Choice email pack is a link to a website which will guide you through a 5 question risk quiz. The risk quiz may help you to better understand how your approach to risk translates to the investment options available to you. Answer 5 quick questions to find out which investment option could be right for you.

In the post pack you’ll need to visit the website on the postcard to access the risk quiz.

 

What happens if I do nothing?

The default for members is the Conservative (Tōtara) Fund. Every member is currently in the Conservative (Tōtara) Fund and will remain there if they make no choice.

How do I switch my tamariki or mokopuna if I'm an account holder?

The same way as you will switch. Your tamariki, mokopuna or other accounts you manage will receive an email or post campaign with the same links to access the risk quiz and ability to switch Funds. Keep an eye out for their pack on your email or to your mailbox.

 

How can I split my funds between Investment options?

At this time, you can only invest 100% of your Funds and future contributions into one Fund type.

Does it cost anything to switch?

No, there is no charge to switch Funds at this time.

How long does it take to switch Funds?

Your Fund switch will be completed within 5 working days if you complete your switch online through the website.

It can take up to 7 working days to process a paper switch form.

I still need more information to make a choice. What can I do?

Read the Whai Rawa Product Disclosure Statement which you can access online here www.whairawa.com/pds

If you would like to seek qualified financial advice, visit the Financial Markets Authority website to view a list of registered financial advisors here. Please note this is not a subsidised benefit by Whai Rawa.

General Disclaimer

Whai Rawa Fund Limited is the issuer of the Whai Rawa Unit Trust. A copy of the Product Disclosure Statement is available at www.whairawa.com/pds.

Risk Quiz Disclaimer

We take no responsibility as to whether or not you complete our Risk Quiz before selecting a fund, and take no responsibility for checking that the fund you select matches the outcome of your Risk Quiz or that you have completed it correctly. The Risk Quiz does not provide investment recommendations or financial advice personalised to you.
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.

Giveaway Terms and Conditions

Investor Choice Giveaway Terms and Conditions

Note the following:

  1. In the month of March 2020 Whai Rawa will draw prizes for:
    • 2 x Apple iPads valued at $599 each and one of two Ngāi Tahu Pounamu valued at $230 each. Prizes not able to be exchanged or sold for cash.
    • The prizes will be gifted to members of Whai Rawa who have open accounts. All members are eligible.
    • The prize draw ends at midnight on the 20th March 2020.
    • The Promotional Period for the prize draw is 19th February 2020 – 20th March 2020.
    • Members must complete a switch online, via post or complete a risk quiz at a Roadshow to be in the draw to win. For post entries members must complete a switch form and send to Whai Rawa to be in the draw.
  2. The winner of the Prize Draw will be notified by email or by telephone.
  3. If Whai Rawa is unable to contact the winner within one week of the Prize Draw the winner’s entry will be declared invalid and the Prize forfeited. If so, Whai Rawa reserves the right to redraw another winner on the same terms and conditions as the original draw.
  4. Whai Rawa is in charge of the final decision and any decisions are final and binding.