DiscoverMedics Money podcastMDT: Active underperforms passive investing AGAIN, unemployed doctors and pay restoration FAIL
MDT: Active underperforms passive investing AGAIN, unemployed doctors and pay restoration FAIL

MDT: Active underperforms passive investing AGAIN, unemployed doctors and pay restoration FAIL

Update: 2025-06-03
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Navigating Resident Doctor Pay Cuts, Investing Insights, and Financial Strategies


In this episode of the Medics' Money MDT Podcast, hosts discuss various pressing issues affecting the medical community. Dr. Cyra Mackintosh, who recently secured a training job, and Mr. Andy Pow, a senior medical accountant, join to explore the significant challenges of unemployment facing many doctors. They break down the complications around the resident doctor pay offer and the psychological contract between doctors and the NHS. The team also underscores the pitfalls of active versus passive investing, spotlighting the Spiva Scorecard, which shows that passive investments historically outperform active funds. Lastly, they touch on the importance of financial habits, like taking advantage of cashback offers, in reinforcing long-term financial health.


00:00 Introduction and Guest Introductions


01:41 Discussing the Stock Market Crash


03:56 Investment Strategies and Media Influence


12:40 Resident Doctor Pay Offer and Job Security


23:54 Real Pay Trends in the Private Sector


25:25 Addressing Workforce Issues in Government


25:59 Educational Assistants and Pay Disparities


29:13 The SPIVA Scorecard: Active vs. Passive Investing


33:39 The Importance of Financial Confidence


40:08 Cashback Tips and Financial Savviness

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MDT: Active underperforms passive investing AGAIN, unemployed doctors and pay restoration FAIL

MDT: Active underperforms passive investing AGAIN, unemployed doctors and pay restoration FAIL

Medics Money