Investopoly Q&A - Kids’ inheritance, ETF vs property, & smarter super
Jan 12, 2026
In a lively Q&A, Campbell tackles real-life financial dilemmas Australians face. He delves into managing a $50k inheritance for teens, weighing ETFs against property investments. Retirement planning gets a spotlight as he offers strategies on mortgage payments and super contributions. The pros and cons of leveraging property versus shares are explored, alongside smart tax strategies for retirement income. Campbell simplifies ETF options and discusses alternative indexing methods, all while providing actionable insights to help listeners make informed financial decisions.
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Prefer Liquid ETFs Over Trust Property
- Invest the $50,000 inheritance in a simple diversified ETF rather than tying it up in property held in trust.
- Use a broad growth/all-growth ETF from Vanguard or BetaShares to keep liquidity and flexibility for the kids at 25.
Document Any Trust Money Used For Property
- If you must use the inheritance toward property, document the structure clearly as a gift, loan, or tenants-in-common split.
- Prepare for stamp duty, ownership complexity, and potential timing issues (different ages, liquidity preferences).
Pay Mortgage Then Prioritise Super
- For couples nearing retirement, pay off the mortgage then maximise concessional super contributions.
- Use leftover savings for a taxed personal ETF portfolio and consider a separate investment loan if gearing into shares.