@Jackson Treasuries are a handy tool, but how you use them really depends on what you’re after. Choosing the right Treasury strategy comes down to matching your investments to your goals. Here is a breakdown of how to think about it:

For Short-Term Needs: If you just need a safe place to stash extra cash, T-bills are an excellent choice. They are highly liquid (easy to sell) and currently offer solid returns with low risk.

For Long-Term Stability: If you’re building a lasting portfolio, longer-dated bonds serve as a great "anchor." They provide much-needed stability to balance things out when the stock market becomes volatile.

Focus on Your Timeline: Since you’re just getting started, don’t worry about trying to "time" or predict the market. Instead, keep it simple and choose the bond that aligns with when you actually need the money back.

For context, as of today, December 23, 2025, the 3-month T-bill is yielding about 3.60%, while the 10-year Treasury is yielding around 4.15%.

There is no need to keep the money in your bank account as JP Morgan offers low interest rates on regular savings accounts. You can invest this money in ETFs or high-yield savings accounts.