Te Uru Tahua

Joining

• Available exclusively to registered members of all participating iwi.
• You can join from any age (including newborns)
• Parents, grandparents and wider whānau can apply for children

Making contributions

• You decide how much you save – you can contribute any value at any time
• Set up an automatic payment or make electronic transfers directly into your account
• You can also make contributions directly into the account of your tamariki, mokopuna or wider whānau

Iwi contributions

• Iwi contributions are tailored to suit each rohe and each iwi. Each year your participating Iwi will let you know how much it will contribute to your savings. 
• Your iwi contributions will include Maori Authority Tax Credits, available for members to offset against tax payable on their taxable income – see more

Investment choices

• You have six investment options providing a range of different risk/return levels, depending upon your preferred risk level, including income, conservative, balanced, growth, high growth and ethica. 

 For more information on WhanauSaver read the product disclosure statement.

WhānauSaver is intended to complement your KiwiSaver account. 

Kiwisaver

• The Government makes a contribution (up to $521 per year) – see more
• Your contributions are automatically deposited by your employer (a percentage of your income)
• Your Employer makes contributions (3% of your income) – see more
• You can use KiwiSaver to apply for the HomeStart grant (up to $10,000) – see more
• KiwiSaver can be withdrawn when you purchase your own home or at age 65

WhānauSaver

• You make deposits when you like and at the amount you choose.
• Your Iwi will make annual contributions.
• WhānauSaver can be withdrawn for tertiary education, your first home, financial emergencies or at age 55

 For more information on WhanauSaver read the product disclosure statement.

• Short-term emergencies
  You can make an early withdrawal for a short-term emergency (up to $500 a year).
• Tertiary education
  Use your savings to finance your studies in an NZQA equivalent course – Tertiary Education Withdrawal policy
• First home
  Use your savings to help buy your first home – the same withdrawal rules apply to those for KiwiSaver – see more.
• Retirement
  Access your savings from age 55.
• Death, serious illness or significant financial hardship
  Similar to KiwiSaver, you can also access your savings when in these circumstances.

 For more information on WhanauSaver read the product disclosure statement.

Yes.

You must be a registered member of one or more of the eligible participating Iwi.

If you are a member of more than one of the eligible Iwi, you could receive multiple contributions to your WhānauSaver – there’s never been a better time to ensure you’re registered with all the iwi that you whakapapa to. 

Iwi partnerships in WhānauSaver is growing so check back regularly if you don’t see your iwi listed below.

Register with your eligible Iwi now

Taranaki

Te Atiawa

Ngāruahine

Ngāti Mutunga

Ngāti Maru

Superlife

For more than 20 years SuperLife has been caring for and nurturing the financial wellbeing of New Zealanders. The programme is delivered by Smartshares through SuperLife, using its registered SuperLife Invest and SuperLife KiwiSaver schemes. 

• Smartshares is a proud partner of Ka Uruora as the provider of WhanauSaver, a savings programme with special features and benefits to help whanau achieve their financial goals.
• Smartshares Limited is the manager of the SuperLife Invest and SuperLife KiwiSaver Schemes. The product disclosure statement is available at www.superlife.co.nz

A passive investment philosophy

SuperLife believes that a passive approach to investing will deliver better long-term results. Passive investing means SuperLife will either invest in a fund designed to track an index or in a number of assets for the long term. SuperLife do not think that constantly changing investments (that is, trading regularly and seeking short-term gains), consistently adds value to investors.

Low fees

• Our fees are among the lowest in the market. We don’t charge performance-based fees or commissions.
• Fees matter. The impact of even small fee differences each year can be significant over time.
• We make decisions based on what is practical, sensible and for the long term. All decisions must be cost-effective – the return to you is improved by the careful management of costs

Flexibility

• Your money is invested with SuperLife giving you the choice of six funds that could help grow your savings even faster.
• You can set and change their investment strategies at any time, free of charge.

Transparency

• This means being honest about what we can and can’t do for you.
• We will always quote investment returns after (net of) total fund charges and taxes. This is because we believe this information is more useful for you.

Exceptional customer service

• We are focused on providing you with information to help you make informed decisions. This does not include personalised financial advice.

Smartshares Limited is the manager of the SuperLife Managed Investment Schemes.  The product disclosure statements are available at www.superlife.co.nz

To add another iwi to your WhānauSaver account you’ll need to email whanausaver@kauruora.nz and request to add an iwi. We will need to confirm that you are a registered member of the Iwi.

This can be fast tracked if you provide a confirmation letter from your chosen iwi and/or an email from the Iwi registration officer confirming you are indeed a registered member.