"What is crowdfunding? Crowdfunding works by many people (the crowd) putting in small amounts of money to raise funds for a company or project. When you put money into an equity crowdfunding project, you're buying shares. Typically this will be in small or start-up businesses, meaning you become a part owner of the business. Crowdfunding is also often used to describe donation or rewards-based fundraising. In those cases, supporters receive rewards (for example tickets to a show or a credit on a film or website) or simply make donations to individuals in need or charities. This type of fundraising is legal but is not covered by financial market laws. Equity crowdfunding is usually done on websites run by crowdfunding service providers. Each service will work in a different way, but typically you'll be able to browse the website to see potential companies to invest in. You'll be able to read information to help you work out which companies you'd like to support. Then the service will tell you how you can purchase shares. For example, the service may hold your money until the fundraising goal has been reached. Then they’ll pass it on to the company who issues you with the shares you now own. Companies seeking money have to follow certain rules, such as being honest about the information they provide and how they will use the money. The most a company can seek to raise from equity crowdfunding is $2 million in a 12 month period."Sourcehttps://www.fma.govt.nz/investors/ways-to-invest/crowdfunding/

"Cash investments are relatively safe because you’re promised a fixed interest rate. But the returns you get through interest rates tend to be low, so they’re not always the best option – particularly if you’re saving for retirement. About cash investments Cash investments include savings accounts and term deposits with a bank, credit union or building society. You can also invest cash through a managed fund (this includes KiwiSaver) which pools together money from individuals for investments, managed by a fund manager. Understanding returns Savings accounts and term deposits typically guarantee a set level of interest each year. Most basic savings accounts allow you to withdraw your money whenever you want. A term deposit offers a higher interest rate but you may have to forgo your interest or get lower interest if you withdraw your money before the term finishes. Term deposits can range from three months to five years. Understanding the risks We don’t regulate savings accounts or term deposits but we do regulate managed fund providers.  While generally considered a safer form of investment, there are still some risks to consider. Your money might not grow as fast as the cost of living Cash investments are considered low-risk but this usually means they offer a low-interest rate. If you have a long-term goal, such as saving towards your retirement, the risk is that your money won’t grow as fast as the cost of living. This is known as inflation risk. If inflation increases more than the returns on your investment, your money will have less buying power when you need it. There’s no guarantee on bank investments Putting your money with banks is considered one of the safest forms of investment in New Zealand, but there’s no guarantee the banks won’t fail. A good rule is to spread your money across different cash investments. Understanding costs Providers’ fees vary and depend on the accounts you choose. Generally, accounts offering higher interest also tend to have conditions attached, such as maintaining a minimum deposit in your account. There may also be penalties for withdrawing money early – such as a break fee, or reduced interest on early withdrawals. " Source:  https://www.fma.govt.nz/investors/ways-to-invest/cash-investments/