Quote:
Originally Posted by KC911
The online CDs via brokerages have always yielded more than "regular" T-bills fwiw. If one chooses (at least with Fidelity) you could "ladder CDs" from short term to 5 years, with automatic rollovers if you wanted a hands-off approach too. Lots of ways to beat the brick & mortar offerings ..... .cause they $uck  |
One advantage of T-Bills right now is the short term (if you want that) inversion. You can get a great return and only tie up your money for as little as a 4 week term. 13 weeks is the sweet spot right now. I bought some 1 year CDs and started to ladder them last year and the best I could find at the time was 3.60% for a year. Since then I have only done TBills and each time I reinvested, the rate went up. The 13 week T-Bill rate has risen from 4.397 to 4.810 in the same period. When those mature, if things have not changed, I will put that in T-Bills as well.
The second advantage is no state and local taxes on the return.
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