有几万块钱现金，一直放在saving里，利息太低了，看版上的讨论，有点心动，请问现在该买Tbill还是CD？Tbill我就打算在那个卖bond的网站上买了，如果cd哪儿的好？谢谢了！

Thanks!

谢谢！能再推荐一下这几天该买那个tbill吗？

最近2周的情况，https://treasurydirect.gov/auctions/announcements-data-results/

for the first time, the T-Bill rate has reduced (from 5% to 4.8% for 17 weeks of Tbill). They are still quite high and super safe.

bank CD has raised rate = or > T-Bill rate.

Searching for the best money market is the best bet.

The Schwab money market is 4.4%. All mutual money market funds are safe. there is no money market fund lost customer money. there were 2 MM dropped below $1 but fund sponsors covered the loss to maintain the reputation.

the bank-insured money market is quite good. CIT bank: 4.2%; Mysaving direct=4.33%

CIT Bank has Zelle function. You can link many banks, brokers, or T-Bill. Direct deposit.

there is another uninsured Money market: Ford Interest Advantage=4.8% (!!!!! not insured). However, I have used it for about 10 or 15 years. never had any issues.

I watch Ford's stock price. if it drops below $7, I move all money out with one click of the button