Welcome Physician on Fire Readers: Bonds, Student Loan Bonds

Financial Planning for Doctors

Welcome Physician on Fire readers! 

If you found my website through my guest post on Physician on Fire, thanks for stopping by.  Please, consider signing up for my once weekly email list at the bottom of this post. (Seriously, it’s once a week on Saturday mornings; I hate spam just as much as the next person).  The weekly email will give you the TPP posts of the week with excerpts from each post.

For my regular readers, this week you will not find my Friday post as it is being replaced by a Thursday guest post on Physician on Fire’s website where I write about Student Loan Bonds and how we can view them in a diversified portfolio.  Loans may be a necessary evil, but we can at least use that necessary evil to our advantage!

For those interested in learning about The Physician Philosopher website

Fire in the SkyThe purpose of this website is to help the medical community (and other high-income earners) obtain both wealth and wellness.  For other topics that may interest you, you can look here:
Welcome and About Me
My Top Ten Posts can be found on my Home Page
Every single post I have written can be found here
Charitable Mission of this website
Wellness Wednesday Topics for Medical Professionals
Student Loan Refinancing Topics (PSLF & Private Refinancing Options)
Student Loan Refinancing Page
Recommended Books
Recommended Websites (including POF’s!)

An excerpt from my guest post!

Click here to see my guest post on Physician On Fire’s site. Here is an excerpt from my guest post:

Student Loans, The New Bond

Unfortunately, debt is a necessary evil for most of us who have obtained an advanced degree.  To put a positive spin on my debt, I like to think of student loans as another source of diversification for my portfolio known as Student Loan Bonds. [In case you are curious, I am not the only one who thinks of student loans as bonds]. It is a completely different (negative) asset class.  As I pay down my debt, I am increasing my net worth.  Therefore, Student Loan Bonds are certainly an investment that will provide more wealth.  How exactly do Student Loan Bonds fit into the diversification mentioned above?  Glad you asked.

…If you are asking the question of whether you should invest more aggressively or pay down debt, I encourage you to do both aggressively.  Student loans can serve as a form of diversification and produce the guaranteed market stabilization that you seek from bonds.  Investing in bonds while you have a substantial amount of debt, particularly early in your career, could prove redundant.

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