PremiumOpinionOpinion byDiana ClementYour Money and careers writer for the NZ Herald·NZ Herald·27 Jun, 2026 09:00 PM4 mins to readDiana Clement is a freelance journalist who has written a column for the Herald since 2004. Before that, she was personal finance editor for the Sunday Business (now The Business) newspaper in London.You are very unlikely to make hundreds of thousands of dollars sitting back on your sofa. Photo / Getty ImagesIt often starts the same way: someone posts a slick video, shows a convincing spreadsheet, and promises returns that sound just plausible enough to believe. Next minute [or year], investors are chasing losses, delays, and unanswered emails.
Investments that are too clever for their own boots and offer get-rich-quick style
