Anonymous wrote:

Anonymous wrote:Anyone buying T-bills instead? I have some but have x5 more cash.

I buy 4-week and 8-week T-Bills from Treasury Direct. It's really simple and it's possible to leave them on auto-pilot - up to 26 reinvestments allowed. But it is limited to 10k per person. If you have x5 the cash, are you buying through another means?

T-bill rates are now much lower than CDs that you can find (even after considering the no state tax benefit of t-bills). I am wondering why someone would stick with t-bills now (other than it easy through Fidelity without needing to make a new account for a CD). I am still seeing CDs at 4% for a year.

Also not sure about the $10,000 limit referenced here. That is just I-bonds not t-bills I believe (maybe automatic rollover is limited? I don’t do that).

Ladder 4 week treasuries.

CFG Bank of Baltimore

ibonds are over 4% but you need to hold for a year

Anonymous wrote:Anyone buying T-bills instead? I have some but have x5 more cash.

I buy 4-week and 8-week T-Bills from Treasury Direct. It's really simple and it's possible to leave them on auto-pilot - up to 26 reinvestments allowed. But it is limited to 10k per person. If you have x5 the cash, are you buying through another means?

Anyone buying T-bills instead? I have some but have x5 more cash.

Anonymous wrote:

Anonymous wrote:Is there a season more people don’t just buy SGOV for the tax benefits?

Is there a Vanguard equivalent for this ETF potentially for a lower expense ratio?

https://investor.vanguard.com/investment-products/etfs/profile/vgsh

Anonymous wrote:EagleBank has a HYSA paying 4.35% with great customer service

It’s actually 3.7 percent as of 01/08/2026. And it says
“ The Annual Percentage Yield (APY) is accurate as of 12/16/2025.”
So it is subject to change any time.