SQUEEZING OUT YIELD

Yields on short-term US Treasurysecurities and money marketfunds are so low that many physician-investors are scrambling to milka few extra dollars out of their holdings.One possibility is high-yieldjunk bonds, which are paying double-digit interest rates.There's alwaysa greater risk of default or bankruptcywith junk bonds, but marketwatchers say this risk should diminishas the economy improves.Municipal bonds are another investmentthat should appeal to you ifyou're in a high tax bracket—theirtax-exempt feature makes their alreadyhealthy yields even more attractive.You can also nail down a fewextra points of yield with mortgage-backedsecurities issued by GinnieMae, Freddie Mac, and Fannie Mae.