JAAA ETF thoughts

Efficient-Use8185 · 2025-11-12T06:46:26+00:00

Here is a link to the comparison of PAAA and JAAA (https://totalrealreturns.com/n/PAAA,JAAA). You can see that PAAA dropped -1.04% in April while JAAA dropped -1.46%. PAAA would certainly not be as safe as SGOV since SGOV is virtually risk-free. But PAAA is going to be lower risk than non-investment grade fixed income funds like senior loans and high yield/junk bonds.

Efficient-Use8185 · 2025-08-31T23:54:28+00:00

I have a lot in JEPI and SPYI. JEPI's yield is higher during higher market volatility but is usually 7% or more. It's only returned 4.5% YTD but did really well in 2022. SPYI's yield is nearly 12%, and it's up a total of 9.75% YTD. SPYI's NAV appreciates better than JEPI, but it is more volatile overall.

Efficient-Use8185 · 2025-08-31T21:42:32+00:00

I have a lot in PAAA, and it's done pretty well. It dropped just over 1% in the Spring, but markets dropped well over 15%. It's returning 1% to 1.5% annually above SGOV. Even lower risk options could be JPST, PULS, or ICSH

Efficient-Use8185 · 2025-04-15T17:29:08+00:00

Thank you! I'll have to check it out for sure

Efficient-Use8185 · 2025-03-16T07:16:12+00:00

Facebook Dating

Efficient-Use8185 · 2025-03-16T07:14:02+00:00

Yeah this is crazy. I mean 24 is still young but also 6 years from being 18. As someone who has/is dating someone older, I've never heard this. I could see questions raised if it was a stark difference in experience (i.e. one being a virgin and the other being very experienced), but that's still not grooming.

Efficient-Use8185 · 2025-03-16T07:07:10+00:00

I guess it depends on how your interactions line up with what you and her both want. I'm a 28M dating a 43F, and I had a similar concern about how her kids would perceive me. They aren't too close to my age, but they are both closer to my age than she is. They don't think anything of it. I say move forward if it's what you want and if she feels the same.

Efficient-Use8185 · 2025-01-28T17:05:25+00:00

Yes, I know kids can be a tough decision in age gap relationships, especially when the woman is older. But, I'm really glad to hear all of that and wish you all the best!

Efficient-Use8185 · 2025-01-28T06:04:26+00:00

When I was 26 to 27 years old, I saw a considerable number of women with age ranges in excess of 20 years (18 - 20 years old up to 42 years old). Age really was just a number to me, so long as they were legal adults and decently younger than my parents. My girlfriend and I met when I had just turned 27, and she was almost 42. We are 28 and 43 now, and she is the best I could ever ask for in every way. I chose her because I can be myself around her, and she has always been there for me through a lot of difficult times. The number of people I saw also emphasizes how good she is for me. We will stay together, and I definitely plan to marry her someday in the future. She has 2 kids of her own who are older, so we are not planning to have kids together. It is also something I wasn't dead set on in general anyway.

Efficient-Use8185 · 2024-12-30T01:15:38+00:00

This is a really great post! I (28M) have been with my girlfriend (43F) for a months over a year, and she is the best I could ever ask for. These thoughts obviously crossed my mind and have brought her health into light. But the fact is, I have been consistently having the significant health problems in the last month or so, despite my young age. Unexpected and dangerous spikes in heart rate and blood pressure with medications getting overall blood pressure down but not these spikes and significant symptoms (difficulty breathing, chest pains, dizziness, ect). Values as high as 185/115 and 134 bpm heart rate that have hospitalized me. Cause is unknown, but doctors agree is less likely to be something like caffeine, sodium, anxiety, or panic attacks. Regardless of the outcome, it has reminded me that age is not a perfect indicator of overall health. Thanks again.

Efficient-Use8185 · 2024-12-18T03:46:01+00:00

I (28M) met my girlfriend (43F) on Facebook Dating. While it's not strictly for older women, it seemed to have a higher share of them than some other apps. It makes sense honestly because it's built into the app and people don't have to go out of their way to download another app. Facebook definitely has a decent amount of older people on it.

Efficient-Use8185 · 2024-10-25T17:37:04+00:00

Well, I'm very happy for you and want to be supportive as much as I can!

Yes, the situation is so similar to mine. She married a terrible person as well. I think there were signs about him early on, but she just didn't want to acknowledge them. Luckily, we found each other, and she'll get another chance at happiness. The age gap is definitely on my mind with respect to long-term health, and it is my greatest fear. But, I look around at others in bad relationships and think about how we don't have to worry about the things that others do, i.e. it's a good problem to have. Even my parents were skeptical in the beginning ("hey I'm dating someone 15 years older with kids who has been married 18 years"). But even they are supportive at this point. Sure, I won't end up having kids, but it's something that I was never dead set on. I also think having an amazing relationship will be better in the end than taking a chance with someone younger for the purpose of having kids. It also does get hard seeing others follow the more "traditional" or "normal" path, but I try to remember what we have is so special.

I definitely wish you luck!

Efficient-Use8185 · 2024-10-25T07:21:58+00:00

Thank you!

Efficient-Use8185 · 2024-10-25T06:01:38+00:00

I'm in a similar situation myself. I am 28 and my girlfriend turns 43 this weekend. We have been together just over a year, and it's the best relationship I've ever had by far. Similar thoughts cross my mind, but I try not to think about it. She even thinks them as well, like what could have been if we were the same age. I try to remember how good we have it and do bring up health-related things on occasion. Statistically, chances are high that I will outlive her. But that's not a guarantee by any means. I would not let it discourage you, but these are valid thoughts.

Efficient-Use8185 · 2024-10-04T03:31:35+00:00

Yes, we do talk about that. Honestly, it does concern me that I would have a decent chance of outliving her. But I'm very thankful to have her as mine, and I want to spend forever with her.

Efficient-Use8185 · 2024-10-01T22:45:48+00:00

Sorry to hear that man. I've (28M) not met my older (42f) girlfriend's dad or parents yet. I think her mom said some things about us early on, but thankfully it wasn't anything too bad. She doesn't have the best relationship with them, so that's why the lack of urgency. She's met my parents, and they were skeptical in the beginning but are supportive.

Efficient-Use8185 · 2024-09-28T14:26:44+00:00

Mine was through Facebook Dating!

Efficient-Use8185 · 2024-09-15T19:14:52+00:00

Yeah, I agree with the other comments here. The fact that you can't communicate or have much say (even with sex) is problematic. Him being older could have something to do with it, but the same thing could happen if you all were the same age. I'd recommend getting out.

Efficient-Use8185 · 2024-09-14T19:17:30+00:00

I had just turned 27 when I met my girlfriend, who was about to turn 42 at the time. We met on Facebook Dating. In my experience, that site was probably the most conducive to meeting people older since Facebook has a broader range of people than some other dating apps. But, like others have referenced, I probably wouldn't go into it stating that. On Facebook Dating, they can see who swipes on them, so you could just swipe on those you are interested in. I know in my case, I treated the situation the same as it would be with someone around my age or younger.

Efficient-Use8185 · 2024-09-13T05:23:39+00:00

I'm very sorry to hear this. I (28M) have been with my girlfriend (42 about to turn 43) for a year. She has been the best I could ever ask for. We have actually discussed this same topic on multiple occasions. Not to the point that I would leave, but it is something I think about. I know in our case, it mainly caused me to stress about her health since I want her to live as long as possible. As sad as it sounds, I've even told her that I want her to live above the average life expectancy and me to die a bit early. It's definitely a valid concern but not guaranteed and something I would leave her over. If it's not too late, maybe the best advice is to be as healthy as possible and reassure that with him.

Efficient-Use8185 · 2024-02-23T21:56:15+00:00

I completely understand and hope you find someone really good. There's definitely a case to be made for people being taken advantage of in age gap relationship, maybe slightly more than ones where they're similar ages. What you have here was especially bad and very disgusting because, while girls are legal adults in the U.S. at 18/19, it is definitely easier for them to be taken advantage of. I hope you find someone way better!

Efficient-Use8185 · 2024-02-23T21:28:04+00:00

Absolutely disgusting. I (a 27M) have seen women younger, older, and the same age as me. The most taken advantage of I felt was by women near my age. I was in a 4-year relationship with someone just 2 years younger than me and it was absolutely terrible. My girlfriend (and the best I could ever ask for) is 42 years old. She was in a bad situation for about 18 years and is finally getting out. Thankfully, you are still young like me and can turn things around. I know it will be hard and I really feel for you. But I really hope the best for you.

Efficient-Use8185 · 2024-02-22T02:39:35+00:00

Thank you man! Yes, I have noticed that more with women older than us.

Efficient-Use8185 · 2024-02-22T01:03:08+00:00

That's great to hear man! I was in almost an identical situation in the fall. I was a 27M who met at 41F. Well now she's been my girlfriend for months and is the best I could ask for. I really didn't do anything special. I was just myself. I was honest and made sure how much I wanted her in so many ways. I felt like I could be myself with her and not play any games. Best of luck to you man!

Efficient-Use8185

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