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In the third world there is some scheme which lends to poor people with no collateral who are starting enterprises. India I think.
Its been going for years and is very safe and well managed from what I HEARD.
I'm like you, money in the bank, waiting to buy land. Why dont we just buy land now? Probably a good time to buy? NZ property prices havnt bounced back but it could. Or get cheaper.
Some stocks could be awesome money earners and be really cool companies that you could be proud of? Health and environment products?
Stocks come down to buying either good ideas, good products, good people managing, or ideally a combination. Management is probably a top priority.
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