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DON’T Keep Cash in Savings (Buy Bonds Instead for 7%) | Ep. 37
Join 28,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors
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In this episode, we’re joined by Chris Joye, Chief Investment Officer of Coolabah Capital, one of Australia’s most active bond traders managing over $15 billion in fixed income assets.
Chris breaks down what a bond actually is in simple terms, why most doctors are unknowingly earning less than 4% while the banks earn 6–8% using their money, and how professionals can flip the equation by “becoming the bank” through bond investing.
He also unpacks how bond ETFs are finally becoming retail-friendly, the differences between term deposits, hybrids, and floating-rate bonds, and why liquidity and safety are often misunderstood in the fixed income world.
If you’ve got cash sitting in savings or offset accounts and you're tired of watching it underperform, this episode shows you exactly how to put that money to work. Learn how to unlock 5–7% returns with safety, liquidity, and control and why bonds might be the most overlooked income strategy for professionals in 2025.
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TIME STAMPS:
00:00 Hook/Intro
01:53 Guest's Background and Coolabah Capital Investments
05:22 Understanding Bonds and Their Liquidity
13:08 Types of Bonds and Their Risks
19:25 Capital Gains and Losses in Fixed Rate Bonds and FRN
28:42 The Role of ETFs in Bond Investing
30:46 Difference between Bonds and Property investments
39:01 Credit Ratings and Bond Risk Management
41:39 The Liquidity and Efficiency of the Bond Market
44:44 Conclusion/Outro
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SHOW NOTES LINKS
https://ifdgroup.com.au/
https://doctorbi.com.au/
https://au.linkedin.com/in/mian-bi
https://www.linkedin.com/in/daniellamp/
https://acesse.one/spotify-passive-income-doctor
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LISTEN TO THE PODCAST
LISTEN TO THE PODCAST:
Spotify: https://spoti.fi/3FoBRAy
Apple Podcast: https://apple.co/4iks50N
Amazon Music: https://amzn.to/3DoyJnP
-----
FIND US HERE
Website: https://ifdgroup.com.au/
Facebook Group: https://www.facebook.com/groups/investingfordoctors
Facebook Page: https://www.facebook.com/investingfordoctors
-----
DISCLAIMER
The information provided in this podcast is for general purposes only and should not be considered personal advice. Always consult with qualified professionals or experts in the relevant field for personalised advice tailored to your specific situation.
View all episodes
By Investing4DoctorsJoin 28,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors
-----
In this episode, we’re joined by Chris Joye, Chief Investment Officer of Coolabah Capital, one of Australia’s most active bond traders managing over $15 billion in fixed income assets.
Chris breaks down what a bond actually is in simple terms, why most doctors are unknowingly earning less than 4% while the banks earn 6–8% using their money, and how professionals can flip the equation by “becoming the bank” through bond investing.
He also unpacks how bond ETFs are finally becoming retail-friendly, the differences between term deposits, hybrids, and floating-rate bonds, and why liquidity and safety are often misunderstood in the fixed income world.
If you’ve got cash sitting in savings or offset accounts and you're tired of watching it underperform, this episode shows you exactly how to put that money to work. Learn how to unlock 5–7% returns with safety, liquidity, and control and why bonds might be the most overlooked income strategy for professionals in 2025.
-----
TIME STAMPS:
00:00 Hook/Intro
01:53 Guest's Background and Coolabah Capital Investments
05:22 Understanding Bonds and Their Liquidity
13:08 Types of Bonds and Their Risks
19:25 Capital Gains and Losses in Fixed Rate Bonds and FRN
28:42 The Role of ETFs in Bond Investing
30:46 Difference between Bonds and Property investments
39:01 Credit Ratings and Bond Risk Management
41:39 The Liquidity and Efficiency of the Bond Market
44:44 Conclusion/Outro
—---
SHOW NOTES LINKS
https://ifdgroup.com.au/
https://doctorbi.com.au/
https://au.linkedin.com/in/mian-bi
https://www.linkedin.com/in/daniellamp/
https://acesse.one/spotify-passive-income-doctor
-----
LISTEN TO THE PODCAST
LISTEN TO THE PODCAST:
Spotify: https://spoti.fi/3FoBRAy
Apple Podcast: https://apple.co/4iks50N
Amazon Music: https://amzn.to/3DoyJnP
-----
FIND US HERE
Website: https://ifdgroup.com.au/
Facebook Group: https://www.facebook.com/groups/investingfordoctors
Facebook Page: https://www.facebook.com/investingfordoctors
-----
DISCLAIMER
The information provided in this podcast is for general purposes only and should not be considered personal advice. Always consult with qualified professionals or experts in the relevant field for personalised advice tailored to your specific situation.