Strategic bond investing for physicians seeking financial freedom.
Dr. Sharma faced the challenge of aggressively repaying her $280,000 student loan while maximizing her tax-advantaged retirement contributions and managing the financial complexities of owning a small medical practice. She needed a stable, predictable income stream that wouldn't significantly increase her tax burden, all while aligning with her risk tolerance.
Using Golden Door Asset's Bond YTM Calculator, Dr. Sharma identified a portfolio of municipal bonds with varying maturities, creating a bond ladder. This structure generated approximately $15,000 annually in tax-free income, specifically earmarked for student loan repayment. The calculator helped her select bonds yielding an average of 4.5% YTM after considering their credit spread relative to Treasury benchmarks, optimizing her returns while minimizing risk.
The Bond YTM Calculator enabled Dr. Sharma's financial advisor to quickly assess various municipal bond options, inputting coupon rates, maturity dates, and current market prices to determine their Yield-to-Maturity and identify bonds aligning with Dr. Sharma’s specific needs.
$15,000/year in tax-free income accelerated student loan payoff by 3 years.
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