Super, saving like a boomer and exit-rentvesting dilemmas – Q&A

Dec 4, 2025

This week, the discussion tackles whether to save in high-yield accounts or invest after setting aside an emergency fund. They explore using multiple brokers, weighing the pros and cons of core and satellite portfolios. A spotlight on investment bonds for kids uncovers tax considerations and provider selection. Plus, insights on exiting rentvesting and the complexities of selling properties while managing tax implications. Lastly, they clarify what happens to HECS-HELP debt after death, shedding light on estate responsibilities.

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INSIGHT

What Happens To HECS When You Die

HECS-HELP balances are written off on death after the estate files a final tax return and any final repayment is taken if income exceeded the threshold.
The outstanding HELP balance mostly disappears with the deceased's estate.

ADVICE

Emergency Buffer Before Investing

Keep a three-month emergency fund in a high-yield savings account before investing the rest.
If you need the money within ~3 years, prioritise cash; otherwise move surplus into ETFs to pursue long-term growth.

INSIGHT

Time Horizon Trumps Simple Rules

Time horizon, compounding and inflation should guide whether money sits in cash or is invested.
Short-term goals favour cash; long-term goals favour being invested to capture returns above inflation.

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