<prompt> Human: I am curious, compared to what is available in other parts of the world, is 4.2 a good return on NZD in with a New Zealand bank?Is this an appropriate way to store capital?Assistant: Thats 4 times more than I get in the U.S. on my savings account.Human: I would assume that a U.S. bank has 4 times the backing and security of a NZ bank, or is this not the case?  <response>: US bank deposits are insured up to 250k by the federal government. Ive just read that NZ does not insure deposits at all.How much money are we talking about here? 