Oct 13, 2026 · 36 min · 20 segments
**Are High-Yield Investments Dangerously Risky? & Why Wes Updated His Thinking on HSAs** Jim Cramer says high yields are dangerous – so is retirement income actually at risk? Wes sets the record…
Wes MossGuestKrista DiBiaseHost
There's an article that was published this past week, and I found it in a couple different places, Yahoo Finance, I think it was 247 or 24/7 Wall Street that originally published it, and the headline, when I read it, I thought, "Wait a minute, I didn't s- I didn't say that, Krista.
Cramer, as in Jim Cramer, he's the guy on CNBC, he does a morning show, and then he does an evening show.
I, did, did I say dangerous high yields? Where, where is this coming from?" [laughs] And here's the problem with that very, very misleading headline, and I, and I think, I think the article itself did try to explain it more, but what's happening in that headline, and this is really important for all of us to understand.
So this word yield is technically correct, but it's encompassing any investment that is paying you money.
And where interest rates are today, what I've talked about over the last couple of months, as rates have gone up, now we see bond yields that used to be 2%, and now for a similar bond from the United States government, a treasury is yielding 5% or 5.25%.
So pretty recently we've updated what I call the yield ladder, and that yield ladder is a way for you to visualize as an investor, hey, if I wanna get income and not just rely on the growth of the portfolio, but I wanna get some cash flow, which I think gets really important as we get into retirement or closer r- to retirement, you can get, quote, yield or income on these different rungs of the ladder.
There's an article that was published this past week, and I found it in a couple different places, Yahoo Finance, I think it was 247 or 24/7 Wall Street that originally published it, and the headline, when I read it, I thought, "Wait a minute, I didn't s- I didn't say that, Krista.
Cramer, as in Jim Cramer, he's the guy on CNBC, he does a morning show, and then he does an evening show.
I, did, did I say dangerous high yields? Where, where is this coming from?" [laughs] And here's the problem with that very, very misleading headline, and I, and I think, I think the article itself did try to explain it more, but what's happening in that headline, and this is really important for all of us to understand.
So this word yield is technically correct, but it's encompassing any investment that is paying you money.
And where interest rates are today, what I've talked about over the last couple of months, as rates have gone up, now we see bond yields that used to be 2%, and now for a similar bond from the United States government, a treasury is yielding 5% or 5.25%.
So pretty recently we've updated what I call the yield ladder, and that yield ladder is a way for you to visualize as an investor, hey, if I wanna get income and not just rely on the growth of the portfolio, but I wanna get some cash flow, which I think gets really important as we get into retirement or closer r- to retirement, you can get, quote, yield or income on these different rungs of the ladder.
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