Investing For Doctors Podcast

Join 29,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors

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In this episode of Investing for Doctors, Dr. Bi sits down with Alissa Childs, principal at Two Birds One Loan and IFD Lending, to unpack what has actually changed in the lending and property landscape since the 2026 Federal Budget. After 20+ years in finance, Alissa says this is the most significant shift she's seen in the industry, and the numbers back her up: one doctor's approved purchase price dropped from $1.2 million to $850,000 once negative gearing was stripped out of the servicing calculators.

We break down the real difference between negative gearing before and after the Budget, why established properties are now treated completely differently to new builds, and what's happened to borrowing capacity for anyone buying today. We also cover the surprise ban on SMSFs purchasing residential property, why trust and company structures remain the one area still largely untouched, and what's actually happening in the market right now, from auctions with zero bidders to banks quietly repricing loans to hold onto clients.

This episode is a clear, numbers-driven analysis of what has changed, who it hits hardest, and what doctors should be doing about it right now.

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TIME STAMPS:
00:00 Intro/Hook
00:46 Guest Intro: Alissa, Two Birds One Loan & IFD Lending
02:07 Before vs After the Budget: What's Actually Changed
04:06 What Negative Gearing Actually Means
07:34 Established Properties vs New Builds
08:59 How Banks Have Rewritten Their Servicing Calculators
09:44 Case Study: A Doctor's Borrowing Power Drops $350K
12:14 How Loan Structures Are Changing
13:19 Trusts and Company Structures: Still the Same Gameplay?
14:24 Market Impact: Softening Prices and Stalled Auctions
18:26 The Surprise SMSF Property Ban
20:34 Recap: What's Dead vs What's Still Standing
23:25 Interest Rates, Bank Retrenchments & the HSBC-Pepper Deal
25:09 Refinancing and Repricing Your Existing Loan
27:08 Conclusion/Outro

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SHOW NOTES LINKS

https://ifdgroup.com.au/
https://doctorbi.com.au/
https://au.linkedin.com/in/mian-bi
Two Birds One Loan: https://www.twobirdsoneloan.com.au/

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LISTEN TO THE PODCAST
Spotify: https://open.spotify.com/show/07DS5AxlbgmkuvP6zQGgtN
Apple Podcasts: https://podcasts.apple.com/au/podcast/investing-for-doctors-podcast/id1775535608
Amazon Music: https://music.amazon.com/podcasts/b9de46bc-e29d-4402-9e9e-959a3a5dc8da/investing-for-doctors-podcast

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FIND US HERE
Website: https://ifdgroup.com.au/
Facebook Group: https://www.facebook.com/groups/investingfordoctors
Facebook Page: https://www.facebook.com/investingfordoctors

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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.

Join 30,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors

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In this episode of Investing for Doctors, Dr Bi sits down with Grace Mathew, Managing Director of WeThink Group, to unpack what family offices actually do differently and why succession planning fails even at the billion dollar level. Grace spent years running investment strategy inside a single family office linked to the family behind Coca Cola, before going independent to advise family offices, funds and ultra high net worth families around the world.
We cover what a family office actually is, how it differs from simply having a lot of money, why less than a third of family offices managing over $1 billion have a proper succession plan, and why the biggest wealth transfer in human history is about to land on a generation that was never taught how to manage it. We also break down single versus multi family offices, what it actually costs to set one up or join one, and why family office structure is just as much about protecting wealth as it is about growing it.
This is part one of a two part conversation. In part two, Grace and Dr Bi get practical, how doctors can start borrowing these exact strategies no matter their net worth.

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TIME STAMPS:
00:00 Intro/Hook
1:31 Meet Grace Mathew, Managing Director of WeThink Group
2:00 Grace's origin story into the family office world
3:04 What a family office actually is
5:46 How she became Managing Director of a family office linked to the Coca Cola fortune
8:59 The real numbers, family offices manage over $1 billion yet most still fail to plan
10:36 The biggest wealth transfer in history is coming, and most heirs aren't ready
12:26 Single family offices vs multi-family offices
16:56 What it actually costs to set up or join one
19:23 What family offices actually invest in (hint, it's not ETFs)
20:26 Family office vs. high-net-worth individual, what's really different
23:49 Family office structure isn't just about growing wealth, it's about protecting it
24:38 Why family offices are now looking offshore

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SHOW NOTES LINKS
https://ifdgroup.com.au/
https://doctorbi.com.au/
https://au.linkedin.com/in/mian-bi
WeThink Group: https://www.wethink.group/
Grace Mathew: https://au.linkedin.com/in/gracemathew-

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LISTEN TO THE PODCAST
Spotify: https://open.spotify.com/show/07DS5AxlbgmkuvP6zQGgtN
Apple Podcasts: https://podcasts.apple.com/au/podcast/investing-for-doctors-podcast/id1775535608
Amazon Music: https://music.amazon.com/podcasts/b9de46bc-e29d-4402-9e9e-959a3a5dc8da/investing-for-doctors-podcast

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FIND US HEREWebsite: https://ifdgroup.com.au/
Facebook Group: https://www.facebook.com/groups/investingfordoctors
Facebook Page: https://www.facebook.com/investingfordoctors

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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.

Join 29,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors 

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Investing for Doctors is back for season two, and we're starting off by jumping straight into the 12 May 2026 Federal Budget, which rewrote the rules on capital gains tax, negative gearing and trust structures. In this solo episode, Dr. Bi breaks down exactly what's now law as of 1 September 2026, and what's still just proposed.
The headline changes: the 50% CGT discount is gone from 1 July 2027, replaced with CPI indexation and a new 30% minimum tax, which means every long term asset needs a valuation before that date. Negative gearing on established property is being quarantined to rental income only, new builds are exempt, and SMSFs are now banned from borrowing to buy residential property.
Still to come: a proposed 30% minimum tax on discretionary trusts and a three year restructuring window. Dr. Bi closes with his read on inflation, interest rates, and why the smart move is to rethink your structure, not stop investing. 
If you hold property, run a trust, or invest through an SMSF, this one's for you.

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TIME STAMPS:

00:00 Intro/Hook
04:22 CGT Discount Abolished and the New 30% Minimum Tax
09:18 Negative Gearing on Established Property Quarantined
14:41 SMSF Property Loans Banned and Small Business CGT Concessions
19:59 Proposed 30% Minimum Tax on Discretionary Trusts
25:02 Innovation Business CGT Concessions and Restructuring Advice
29:37 Macroeconomic Outlook, Will This Get Reversed?
33:16 Outro

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SHOW NOTES LINKS

https://ifdgroup.com.au/ 

https://doctorbi.com.au/ 
https://au.linkedin.com/in/mian-bi

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LISTEN TO THE PODCAST
 
Spotify: https://open.spotify.com/show/07DS5AxlbgmkuvP6zQGgtN 
Apple Podcasts: https://podcasts.apple.com/au/podcast/investing-for-doctors-podcast/id1775535608 
Amazon Music: https://music.amazon.com/podcasts/b9de46bc-e29d-4402-9e9e-959a3a5dc8da/investing-for-doctors-podcast 

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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.

Join 29,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors 

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What does it take to build a health tech investment portfolio with zero failures across 32 companies? In this episode, we sit down with Dr Amandeep Hansra and Dr Bi Mian, the two clinicians behind Medical Angels, Australia's largest clinician syndicate, now transitioning into a formal $40 million fund.
We hear how it all started from a Facebook group, why traditional VCs have historically struggled to invest in health tech, and what clinician-led investing actually looks like in practice. We also unpack how doctors can get involved as LPs, what the ESVCLP tax structure means for them, and why the founders believe that being on the clinical frontline is their single greatest investment edge.
If you're a doctor who's ever wondered what it looks like to back the future of healthcare, rather than just work inside it,  this conversation is for you.

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TIME STAMPS:

00:00  Intro
01:03  Who Are Dr Amandeep and Dr Bi?
02:42  How They Met: A Cold DM and a Coffee
04:01  The Gap They Spotted in Health Tech Investing
06:22  The Facebook Group That Started It All
07:24  Balancing Medicine and Running a Fund
10:19  Why Clinician-Led Investing Beats a Generalist VC
13:06  How Their Clinician Network Powers Due Diligence
15:22  Move Fast AND Be Safe: The Health Tech Challenge
17:25  How They Evaluate Startups: Painkillers vs Vitamins
 47:24 Formalising Into a $40M Fund: What That Means
48:30  The ESVCLP Tax Benefits Explained
53:17 What Does Success Look Like for Australian Healthcare?
57:16  Why They Do This: Impact at Scale
01:01:18 Final Message to Doctors Considering the Fund

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SHOW NOTES LINKS

https://ifdgroup.com.au/ 

https://doctorbi.com.au/ 
https://au.linkedin.com/in/mian-bi

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LISTEN TO THE PODCAST
 
Spotify: https://open.spotify.com/show/07DS5AxlbgmkuvP6zQGgtN 
Apple Podcasts: https://podcasts.apple.com/au/podcast/investing-for-doctors-podcast/id1775535608 
Amazon Music: https://music.amazon.com/podcasts/b9de46bc-e29d-4402-9e9e-959a3a5dc8da/investing-for-doctors-podcast 

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FIND US HERE
 
Website: https://ifdgroup.com.au/ 
Facebook Group: https://www.facebook.com/groups/investingfordoctors 
Facebook Page: https://www.facebook.com/investingfordoctors 

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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.

Join 29,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors 

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In this episode of Investing for Doctors, Dr Bi breaks down the most significant overhaul of trust taxation in Australian history. The 2026 Federal Budget has fundamentally changed the rules for anyone running a discretionary trust, and if you have a family trust, a bucket company, or a testamentary trust in your estate plan, this episode is essential listening.
We unpack the new 30% minimum tax on discretionary trust income, why the bucket company strategy is now dead, what happens to the CGT discount inside a trust, and the critical traps buried in the testamentary trust carve-outs that most people have completely missed. Most importantly, we walk through the three-year restructuring window, what rollover relief actually means in practice, and why you need to start planning now rather than waiting for the legislation to be finalised.
This episode is a clear, numbers-driven analysis of what has changed, who it affects, and what you should be doing about it today.

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TIME STAMPS:

00:00 Intro/Hook
00:56 What a Trust actually is
02:06 Types of Trusts: Fixed vs. Discretionary
03:33 New Tax Rules for Discretionary Trusts
07:41 Impact on Tax Burden and Income Splitting
13:19 Who Does the New Tax System Affect?
16:08 Testamentary Trusts and Estate Planning
22:52 Capital Gains Tax Changes
29:28 Restructuring Options and Rollover Relief
35:38 Government Support and Practical Considerations
40:00 Conclusion/Outro

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SHOW NOTES LINKS

https://ifdgroup.com.au/ 

https://doctorbi.com.au/ 
https://au.linkedin.com/in/mian-bi

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LISTEN TO THE PODCAST
 
Spotify: https://open.spotify.com/show/07DS5AxlbgmkuvP6zQGgtN 
Apple Podcasts: https://podcasts.apple.com/au/podcast/investing-for-doctors-podcast/id1775535608 
Amazon Music: https://music.amazon.com/podcasts/b9de46bc-e29d-4402-9e9e-959a3a5dc8da/investing-for-doctors-podcast 

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FIND US HERE
 
Website: https://ifdgroup.com.au/ 
Facebook Group: https://www.facebook.com/groups/investingfordoctors 
Facebook Page: https://www.facebook.com/investingfordoctors 

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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.