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Farming is totally unrepresented on the NZX making access difficult for most Kiwis.

So what makes investing in term deposits potentially problematic?

COMMENT: Financial advisers and fund managers under pressure from low-cost options talk up skills and play down the impact of fees.

COMMENT: Can the experience that a retail investor has with the finance sector reasonably be described as having their interests put first?

COMMENT: A flawed forecast can be the difference between hitting your nest-egg goal and still needing to work at 70.

COMMENT: The golden rule that IPO's generally are not good for your financial health.

The biggest investment most retail investors will make is in the residential property market but research is not extensive.

Investing columnist Brent Sheather on low cost versus high cost, passive versus active models.

COMMENT: Anyone fancy a guess as to the return of US shares in the next 35 years? No one knows for sure, Brent Sheather writes.

COMMENT: It is hard to see any correlation between fees and returns, Brent Sheather writes.