Looking for higher-yielding income investments? JBBB is paying 7.57%, with monthly cash payouts, even as rates move lower on the short-end & markets are near all-time highs. Is JBBB safe & stable enough for you? What’s our perspective? Or is JAAA better?
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JAAA Overview : https://youtu.be/qYMc6o6PAF0
*Sources can be found in first pinned comment
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📢 Email jennifer@diamondnestegg.com to get connected with our trusted annuity specialist!
⭐ Learn about how annuities can help you sleep better at night in retirement ⭐ https://youtube.com/playlist?list=PLsv_4H5rP97FD58emP6HEQCX_dIBRTaEg&si=8t6kB8PKQtk0VD21
📢 Learn all about bond investing while yields are attractive! Get both our bond courses together & save $100: https://www.diamondnestegg.com/home#_paa2isucf
WATCH NEXT 👉 👉 JAAA Member Deep-Dive Into CLOs (Plus Comparison To PAAA, CLOA & CLOI): https://youtu.be/DAzFG00urxU
JAAA Overview : https://youtu.be/qYMc6o6PAF0
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SOURCES
https://www.cmegroup.com/markets/interest-rates/cme-fedwatch-tool.html
https://www.janushenderson.com/en-us/advisor/product/jaaa-aaa-clo-etf/
https://www.janushenderson.com/en-us/advisor/product/jbbb-b-bbb-clo-etf/
https://www.morningstar.com/
https://www.kkr.com/insights/clo-liabilities-in-credit-portfolios
https://finance.yahoo.com/
https://adpemploymentreport.com/
https://www.bea.gov/news/2025/personal-income-and-outlays-september-2025
https://www.guardian.com/
https://www.massmutual.com/
https://www.prudential.com/
https://www.newyorklife.com/
https://www.northwesternmutual.com/
https://home.treasury.gov/policy-issues/financing-the-government/interest-rate-statistics
https://www.treasurydirect.gov/auctions/upcoming/
https://www.fidelity.com/
@simaminghui
I love your channel, but this investment, along with all of its verbiage, is so eerily similar to the housing crisis of 2008 that I will be staying far away. Tread carefully, folks.
@petrao8669
Adding stocks to my existing positions. Fixed income positions been complete.
@patrickyoung8088
I have been looking for safety and tax advantage for my Vanguard Cash Plus account. Looking at a VMLUX 70% and VMSXX 30% mix for this money intended to be left for my wife and she is very conservative so JAAA/JBBB won't work for this purpose but an interesting prospect for my grandkids accounts.
@willh.233
Soccer fan ❤here too tickets are hard to get just try your luck 🎉
@MarkMagana
Interesting. Good video. Thanks.
@RiskAdjusted-JJ
Its standard deviation is only like 4% since inception and has a beta of.13 That is pretty low compared to the market over the same time period. Around 1/3 the volatility of VTI with about half the return.
@rightangletriangle3188
Won't touch the low end of the credit market as the spread to treasury is too low, not paying for the risk. Will stay on the high end of the credit market.
@marcmurphy593
So the same stuff that crashed during the GFC, got it.
@Jake-pf4kv
HOW CAN I TRUST RATING AGENCIES???????
@DavidLitman-ph9lu
You can still get nearly 5% on agency bonds like FHLB if you're willing to go out 9 or 10 years. Many have gotten called recently, but that's OK, it's good while it lasts, and I just reinvest in another bond at slightly lower rate (eg 4.9 instead of 5.0). If rates go up and the price drops, I'll just hold until maturity, since 5% is not so bad!
@clayknowles7382
The nice thing about JAAA and JBBB being ETFs is that you can sell out of them in a day if you want and put your money to work somewhere else. With CDs, treasuries and annuities you're basically stuck. A lot can happen in a year or two. I prefer to stay liquid and have options.
@zina9kim
Very educational video. Thank you! Could you please do a video on preferred shares ETFs like PFFR PFFV or PFFA
@pcubed664
I assume this is taxed as income and not long term gains?
@Mike-3339
I love your videos I learn SO MUCH! But I will also admit by halfway it goes over my head 😆 Thank you form an "Older guy" 😉
@MyMac-d7m
Sounds like 2008 all over again. I wouldn't touch these with a 10-foot pole.
@skt1731
Will move a good chunk of cash out of high yield savings and CDs earning 3.5 to 4.0 (and falling) into 50-50 split of JAAA and JBBB. They are fully liquid, yielding much better and are more stable than most dividend stocks, even at the low end of a bit more volatile JBBB, which returned at least 4.5% total. I expect the 50-50 blend to yield 6.5% total or better on initial capital over 5+ years.
@tfratello
I own JAAA and PAAA.
@johndroescher6291
First I would like to thank you for what you do. You provide some great information. I would like to ask a question. Why not just do an allocation of 20-80 stocks/bonds and or high yield savings? My assumptions are that if you get 4% on the savings and 10-15% on the stocks, it would pretty much mimic the returns of the CLO, without needing to pay fees. You would also incur the same risk. If the stocks were to go down by half in a year, you would still maintain 93.2% of your initial deposit.
@hudvalboy
Stay away from this pump and dump pitch.
@spalover3
Is the price of JAAA the lowest on the Ex Dividend date or on the payout date?
@michaelschumacher9156
I love my MYGA’s . 5, 7 and 10 yr terms at 5.50 to 5.80%.
@KayKay14m
I dumped half of the Jeffries bonds at 6.5% that I purchased back in March 2025 when the rating on it dropped. I took a tiny loss of about $11 to do it, but I feel better knowing that I have less money at risk.
@ahnottingham
Love JAAA & JBBB! Great choices.
@KayKay14m
I'm switching to 20 and 30 year bonds with high coupons. I try to buy them only when I can get something for less than the maturity value. Some purchases are bonds with a 4.25% coupon. What I'm going to do at the peak of the interest rate cutting cycle is sell all my bonds that have a coupon higher than 4.25%. By that time, I should be able to get something like 105% of the maturity value and invest that money in equities or maybe zeroes again (not sure right now). I may keep the bonds at 4.25% because I bought those at a price of about 92% of maturity value and as they age, they should always be higher than what I paid for them while still having a good coupon.
@davidv.2050
I will stick with corporate bonds paying in excess of 5.9% rather than paying high expense ratios for JAAA & JBBB.
@ATHJD07
So glad you did this video. It gives me a clearer perspective. You know me, I use the ultra short T bills like an HYSA because I will need a bolus of cash this coming spring for a home purchase. The 4 week yield last week's auction, 3.742% was a shock to the system even though I know rates are coming down. This week I need to decide whether to rollover into another 4 week T bill, leave the cash in SPAXX (3.56% last week), pick up a nice 3 or 4 month CD at 3.85% or 3.90%, or take a limited risk on that JAAA with its 0.20% expense ratio or take the higher risk, possible higher return on JBBB with the 0.48% expense ratio. The tax comparison rules out the CD and SPAXX, but not those ETFs if the next 5 months performance doesn't deviate from the recent past performance. My state taxes are such that it takes a fully taxable 4.25% to match a 3.70% T bill. The question then centers on whether the risk is reasonable to earn the difference between either ETF's yield and 4.25%, assuming the ETFs continue performing well and bearing in mind the yields on the ultra short T bills are likely to keep coming down. I have a much better understanding of how these ETFs work than I did when the JAAA video first came out. It might be sensible to roll over most of it into another T bill and move a little into JAAA and JBBB and see if I can still sleep well. Funny, I have 15% of my investments in equities, a handful of which are speculative and I sleep just fine, but when I think about risking any of the money I've been building up in T bills for the last 3 years, my rational brain keeps saying, greedy piggies get slaughtered in the market. Not looking for advice – just others perspectives. Thanks
@miked-999
good info
@lindsaynewell6319
Excellent content and very well presented. I hold both JAAA and JBBB to create a blend of risk and return as you suggested. Another (newer) alternative is NCLO (from Nuveen) which is AA-BBB rated CLOs so it's possible to get that mixed risk/return from a single ETF instead of holding two different ETFs with Janus Henderson.
@Richard-y5u
People will get burned on this junk…crazy rates with high risk.
@tcarriero1
You mentioned a 9.25% FIA. Is there a link to get more information on those?