Where to Put Cash Now – Before Rates Slip

Here’s a breakdown of the details provided in the text, focusing on US Treasury securities:

Types of US⁤ Treasury Securities:

Treasury Bills (T-bills): Shortest term, 4 to⁤ 52 weeks. Treasury Notes: medium term, 2 to 5 years.
Treasury Bonds: Longest term, 20 ‍or 30 years.
Current Rates: Range from 3.48% to 4.78% (as of the time of writing).
I Bonds: Have a rate adjusted every six months to⁤ match inflation. The rate was 3.11% for bonds issued previously⁤ adn increased to 3.98% for new bonds purchased between May 1 and Oct. 31, 2025.

TreasuryDirect: Directly from the U.S. Treasury (no fees).
Brokerages and Banks: ⁢ On the secondary market (may⁢ involve fees/commissions).
Treasury ETFs: Trade like stocks on the market.

Key Features & Considerations:

Redemption: You can sell Treasury products before maturity⁢ on the secondary ⁣market, or redeem them through TreasuryDirect.
I Bond Holding Period: Can be‍ redeemed after one year, held for up to 30 years, and the rate adjusts every six⁢ months.
* Treasury ETFs: Have both ⁢advantages and limitations (further information ⁢available via the ‍provided link).