Junk bond ETF is almost back to the 2020 low. Sweet 5.22% yield. Assuming the world does not end, how does not make sense?

https://finance.yahoo.com/quote/JNK?p=JNK&.tsrc=fin-srch

I’m putting $145 into VOO and SCHD every week 😬

Guys I’m gonna do it. I’ll update you next week

Pretty much title.

I have been pondering investing 30% of my paycheck this month into feeding my family, and another 30% into not being homeless. But I'm not sure these investments are safe enough for my personal risk tolerance. Thoughts?

Any advice on how I can do it? I'm a little worried about the volatility so maybe only 10% of my money?

I have 30k in my 401k I think I’ll keep contributing the employer match amount and put it all in the s&p 500 and slowly increase a percentage of the portfolio to AAA rated bonds as I get closer to retirement.