96% of individual stocks don't beat T-Bills over time. Why chase needles in a haystack when you can secure your bag with U.S. Treasury investments?
Start Investing NowUnlike stocks where less than half generate positive returns, T-Bills are backed by the full faith and credit of the U.S. government. Your principal is guaranteed.
Buy direct from the source on TreasuryDirect.gov with as little as $100. No broker fees, no management fees, no hidden costs eating into your returns.
Need your money? T-Bills mature in as little as 4 weeks. Or sell them early on the secondary market if you need cash sooner.
Why the smart money is ditching traditional bank products for Treasury bills
FDIC insured up to $250,000
Low interest rates (avg. 0.46%)
Instant access to funds
Banks profit from the spread between what they pay you and what they earn
Often comes with monthly fees or minimum balance requirements
FDIC insured up to $250,000
Better rates than savings (avg. 1-4%)
Significant penalties for early withdrawal
Often require $1,000+ minimum deposit
Rates typically lower than comparable T-Bills
Backed by the full faith and credit of the U.S. government
Higher rates (currently 5%+)
No early withdrawal penalties (can sell on secondary market)
Start with just $100
State and local tax exempt
| Feature | T-Bills | High-Yield Savings | Bank CDs |
|---|---|---|---|
| Current Average Rate | 5%+ | 0.46% | 1-4% |
| Minimum Investment | $100 | $0-$500 | $1,000+ |
| Early Access Penalty | None (can sell) | None | Up to 1 year interest |
| Tax Advantages | State & local tax exempt | None | None |
| Fees | $0 | Often monthly fees | Early withdrawal fees |
Only 4% of stocks account for ALL of the stock market's gains over Treasury bills in the past 90 years
Percentage of individual stocks that fail to beat even the most basic Treasury bill over their lifetime
Current T-Bill rates offering solid returns with zero risk of losing your principal
"Selecting individual stocks is a bit like buying lottery tickets. For every Apple or Amazon, there are plenty of losers like Pets.com or Enron."
"I've been putting my emergency fund and short-term savings in T-bills instead of a savings account. The returns are better and it's just as safe."
"After losing money on meme stocks, I moved half my portfolio to Treasury investments. Now I sleep better knowing part of my money is actually guaranteed to grow."
Takes less than 10 minutes and requires basic personal info.
Connect the checking or savings account you want to use for purchasing Treasury securities.
Select from 4-week, 8-week, 13-week, 26-week, or 52-week terms based on when you might need the money.
Optional: Have your T-Bills automatically roll over into new ones when they mature to keep growing your money.
Why gamble on finding the 4% of stocks that actually outperform when you can guarantee returns with Treasury investments?
Open Your TreasuryDirect Account NowFuture Value: $0
Total Principal: $0
Total Interest: $0