Key Benefits


Whai Rawa can help to create a better future for Ngāi Tahu whānau through greater wealth and wellbeing. Improving participation in tertiary education and levels of home ownership, along with having sufficient funds for retirement, are keys to growing wealth and wellbeing. Outlined below are some of the benefits Whai Rawa offers that can help you and your whānau save more for these key goals.

Ngāi Tahu Contributions

Te Rūnanga o Ngāi Tahu provides a range of benefits to assist members to save,  such as matched savings and payment of administrative costs. Find out more.

Savings Locked In For Key Life Events

Savings can only be used for the key purposes of the scheme: Tertiary education; First home purchase; aged 55+ withdrawals; and in some other special circumstances.  This provides you with an opportunity to save with a clear focus on important goals that can improve the wellbeing of your whānau.  Find out more.

Returns On Your Funds

Whai Rawa funds are invested in the Mercer, Conservative Fund (Mercer (NZ) Ltd are the Fund Manager).  Each quarter a return is calculated and allocated to members’ accounts.  Find out more.

Tax Paid On Your Behalf

Whai Rawa has been structured to ensure members in NZ are not required to include information about Whai Rawa earnings in their tax returns provided they provide the required tax information. Find out more.

Reduced Fees and Costs

Under the terms of a Service Level Agreement, all Whai Rawa costs and expenses, other than Investment Manager fees, will be met by Te Rūnanga while Whai Rawa Fund remains the Manager.  See Section Five of the Product Disclosure Statement for more information.