---
title: "Rate Cuts, Real Returns: How to Still Find Yield in a Low-Rate Environment [Chills 224, Sponsored by BigFundr]"
description: We’re diving deep into PRIVATE CREDIT – Wall Street’s best-kept income secret – with exclusive insights
---

<https://www.thefinancialcoconut.com/blog>

# [Rate Cuts, Real Returns: How to Still Find Yield in a Low-Rate Environment \[Chills 224, Sponsored by BigFundr\]](https://www.thefinancialcoconut.com/blog/chillswithtfc-224)

 Written by [The Financial Coconut](https://www.thefinancialcoconut.com/blog/author/the-financial-coconut) | Jul 10, 2025 8:11:36 AM

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Interest rates dropping? Markets volatile? Where do savvy investors park their cash now? Join host Reggie for a power-packed episode where we reveal:

- Why private credit is becoming a go-to for investors seeking yield
- How the Australian property market remains resilient despite global uncertainty
- What makes real estate-backed loans a safer bet — and how you can get involved with as little as $1,000
- Behind-the-scenes insights on risk management, underwriting, and why liquidity isn’t always king

 We’re diving deep into PRIVATE CREDIT – Wall Street’s best-kept income secret – with exclusive insights from:

- Quah Kay Beng, CEO & Founder, BigFundr, a Singapore-based platform making real estate-backed private debt accessible to everyday investors
- Meelan Gurung, Senior Director, Aspial Corporation, bringing deep expertise in real estate debt strategies
- Craig Schloeffel, Head of HMC Private Credit, managing over $2 billion in private credit across Australia’s commercial real estate sector

##### You’ll discover:

- The shocking "1 million homes shortage" fueling Aussie property
- How to tap 8-10% yields while banks pay peanuts
- Real risk vs. reward decoded (no jargon!)

 Don’t miss this crash course in turning market chaos into cashflow!

##### Sneak Peek:

- Craig reveals: "Developers are ditching banks over the ‘slow no’... and private lenders are stepping in FAST."
- Meelan Gurung: "My wife’s money’s in this – I don’t mess it up!”

**What We Discuss:**

- [03:20](https://www.youtube.com/watch?v=90X4CTkFJ50&t=200s) - What’s going on in the credit and bond markets right now?
- [07:45](https://www.youtube.com/watch?v=90X4CTkFJ50&t=465s) - What’s your take on recent fund flows in the credit markets?
- [12:05](https://www.youtube.com/watch?v=90X4CTkFJ50&t=725s) - What’s the house view on how individuals should assess private credit?
- [22:49](https://www.youtube.com/watch?v=90X4CTkFJ50&t=1369s) - What’s a fair risk premium in the private credit space?
- [26:24](https://www.youtube.com/watch?v=90X4CTkFJ50&t=1584s) - What’s driving Australian property prices to cross the $1 million mark?
- [29:42](https://www.youtube.com/watch?v=90X4CTkFJ50&t=1782s) - How do you assess who to lend to, and what risk structures exist at the developer and builder levels?
- [32:37](https://www.youtube.com/watch?v=90X4CTkFJ50&t=1957s) - Why should investors pay that 2% fee—what value or work justifies it?
- [37:24](https://www.youtube.com/watch?v=90X4CTkFJ50&t=2244s) - Where does private credit fit in an average investor’s portfolio?
- [40:26](https://www.youtube.com/watch?v=90X4CTkFJ50&t=2426s) - [BigFundr.com](https://bigfundr.com) 
- [40:39](https://www.youtube.com/watch?v=90X4CTkFJ50&t=2439s) - TFC Promo Code (valid from 10 July 2025 to 31 July 2025, [T&C apply](https://support.bigfundr.com/support/solutions/articles/150000209224-what-are-the-terms-and-conditions-of-the-tfc-sign-up-promotion))

**Episode Resources:**

- [Spotify](https://linktw.in/ajbvBf)
- [YouTube](https://linktw.in/TbUcAz)
- [Apple podcast](https://linktw.in/DMGOUs)

New episodes every [Thursday](https://www.thefinancialcoconut.com/blog/tag/chills-with-tfc)

Share us your thoughts on this episode and let us know what do you want to hear next.

You can now be our community contributor and make a [pitch ](https://thefinancialcoconut.com/contact/)to have your favourite personality be on our show.  
Join our [community group](https://linkin.bio/thefinancialcoconut/?fbclid=PAZXh0bgNhZW0CMTEAAaY2-JSYItZawSUnNP4YhAicLp0H2wXwx8EBmQgbzOJrjA6YRiPWXtFDSH4_aem_t1DMRY5jrSAapreaSX9ntw) and drop us your insights on this topic.

 

[View full post](https://www.thefinancialcoconut.com/blog/chillswithtfc-224)

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