{"id":88021,"date":"2025-06-16T04:15:46","date_gmt":"2025-06-16T11:15:46","guid":{"rendered":"https:\/\/lenpenzo.com\/blog\/?p=88021"},"modified":"2025-07-02T10:10:06","modified_gmt":"2025-07-02T17:10:06","slug":"how-to-maximize-savings-interest-with-minimal-risk","status":"publish","type":"post","link":"https:\/\/lenpenzo.com\/blog\/id88021-how-to-maximize-savings-interest-with-minimal-risk.html","title":{"rendered":"How to Maximize Savings Interest with Minimal Risk"},"content":{"rendered":"<p class=\"western\"><img loading=\"lazy\" decoding=\"async\" class=\"alignright wp-image-77885\" src=\"http:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2023\/03\/cash-in-hand-1024x678.png\" alt=\"maximize savings interest\" width=\"395\" height=\"262\" srcset=\"https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2023\/03\/cash-in-hand-1024x678.png 1024w, https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2023\/03\/cash-in-hand-300x199.png 300w, https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2023\/03\/cash-in-hand-768x508.png 768w, https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2023\/03\/cash-in-hand.png 1166w\" sizes=\"auto, (max-width: 395px) 100vw, 395px\" \/>The only time I ever eat two pieces of cake at one sitting is every year on my birthday. Oh, I know&#8230; eating two pieces of cake isn\u2019t good for my waistline. But the birthday excuse hasn\u2019t failed me yet.<\/p>\n<p class=\"western\">Speaking of excuses, one of the most common explanations that many people use when trying to justify why they fail to keep a significant sum of cash in their household rainy-day, mad money and\/or <a href=\"https:\/\/lenpenzo.com\/blog\/id39698-a-real-life-example-why-every-homeowner-needs-a-hefty-emergency-fund-2.html\" target=\"_blank\" rel=\"noopener\">emergency savings accounts<\/a> is because the banks pay paltry interest.<\/p>\n<h3>Enter the United States Treasury Bill<\/h3>\n<p class=\"western\">Here\u2019s what <strong><i>I<\/i><\/strong> do to maximize savings interest on my cash. I keep my cash savings in United States Treasury bills, which typically offer significantly better rates than bank accounts. They also pay better than credit union savings accounts.<\/p>\n<p class=\"western\">Unlike US Treasury notes and bonds, US T-bills\u00a0 are short-term zero-coupon instruments. In other words: Their duration is one-year or less, and they provide no intermittent interest payouts. You loan Uncle Sam the money for the entire duration and collect all of the interest when the T-bill matures.<\/p>\n<p class=\"western\">In order to ensure I always have access to at least a portion of my cash every month, I \u201cladder\u201d those T-bills. Please don\u2019t let the term scare you; laddering is a very simple process where you buy multiple T-bills (or any other financial instrument) with staggered maturity dates. By doing so, you ensure you\u2019ll always have a steady stream of income!<\/p>\n<p class=\"western\">Here\u2019s a simple example of how to build a T-bill ladder: Suppose you have $20,000. By purchasing four T-bills for $5000 each with separate durations of 4-weeks, 8-weeks, 13-weeks and 17-weeks &#8211; and then replacing each expiring bill with a new 17-week bill from that point forward &#8211; you\u2019ll ensure that every four to five weeks you\u2019ll have access to $5000 for whatever you need.<\/p>\n<p class=\"western\">Buying T-bills and establishing a T-bill ladder is a very easy process. Simply establish an account with the US government at their <a href=\"https:\/\/www.treasurydirect.gov\/\" target=\"_blank\" rel=\"noopener\">TreasuryDirect<\/a> website. That&#8217;s it!<\/p>\n<h3>The Big Advantage of US T-Bills<\/h3>\n<p class=\"western\">Now I know what you\u2019re thinking: <i>Okay, Len. But why should I go to all that trouble when I can simply get a money market fund or CD from my bank?<\/i><\/p>\n<p class=\"western\">Here\u2019s why: T-bills not only offer rates that are competitive with bank money market funds and certificates of deposits \u2013 they&#8217;re arguably safer, too. After all, the risk of the US government defaulting is far lower than a commercial bank going bankrupt. T-bills also have no gate provisions \u2013 so you don\u2019t have to worry about losing access to your funds in a financial crisis. Best of all, every last penny of interest earned on your T-bills is <strong><i>exempt from state taxes<\/i><\/strong>. In short, that makes them the best way to maximize savings interest on your cash \u2013 and with minimal risk!<\/p>\n<p class=\"western\">Hey\u2026 come to think of it, using US Treasury bills as your primary cash savings vehicle is about as close as you\u2019ll <strong><i>ever<\/i><\/strong> get to having your cake and eating it too.<\/p>\n<p style=\"text-align: right;\"><span style=\"font-size: smaller;\">Photo Credit: stock photo<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The only time I ever eat two pieces of cake at one sitting is every year on my birthday. Oh, I know&#8230; eating two pieces of cake isn\u2019t good for my waistline. But the birthday excuse hasn\u2019t failed me yet. Speaking of excuses, one of the most common explanations that many people use when trying [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":77885,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mo_disable_npp":"","pmpro_default_level":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[466],"tags":[],"class_list":{"0":"post-88021","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-saving","8":"pmpro-has-access","9":"entry"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.8 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>How to Maximize Savings Interest with Minimal Risk<\/title>\n<meta name=\"description\" content=\"Bank savings account interest rates stink. 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Thankfully, there is a way to boost your returns and maximize interest savings with minimal risk.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/lenpenzo.com\/blog\/id88021-how-to-maximize-savings-interest-with-minimal-risk.html\" \/>\n<meta property=\"og:site_name\" content=\"Len Penzo dot Com\" \/>\n<meta property=\"article:publisher\" content=\"http:\/\/www.facebook.com\/LenPenzo\" \/>\n<meta property=\"article:published_time\" content=\"2025-06-16T11:15:46+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-07-02T17:10:06+00:00\" \/>\n<meta property=\"og:image\" content=\"http:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2023\/03\/cash-in-hand.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1166\" \/>\n\t<meta property=\"og:image:height\" content=\"772\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Len Penzo\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@LenPenzo\" \/>\n<meta name=\"twitter:site\" content=\"@LenPenzo\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Len Penzo\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/id88021-how-to-maximize-savings-interest-with-minimal-risk.html#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/id88021-how-to-maximize-savings-interest-with-minimal-risk.html\"},\"author\":{\"name\":\"Len Penzo\",\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/#\\\/schema\\\/person\\\/3968bb46693d14b2ae2ab4958aa41dfd\"},\"headline\":\"How to Maximize Savings Interest with Minimal Risk\",\"datePublished\":\"2025-06-16T11:15:46+00:00\",\"dateModified\":\"2025-07-02T17:10:06+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/id88021-how-to-maximize-savings-interest-with-minimal-risk.html\"},\"wordCount\":520,\"commentCount\":5,\"publisher\":{\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/id88021-how-to-maximize-savings-interest-with-minimal-risk.html#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/wp-content\\\/uploads\\\/2023\\\/03\\\/cash-in-hand.png\",\"articleSection\":[\"Saving\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/id88021-how-to-maximize-savings-interest-with-minimal-risk.html#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/id88021-how-to-maximize-savings-interest-with-minimal-risk.html\",\"url\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/id88021-how-to-maximize-savings-interest-with-minimal-risk.html\",\"name\":\"How to Maximize Savings Interest with Minimal Risk\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/id88021-how-to-maximize-savings-interest-with-minimal-risk.html#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/id88021-how-to-maximize-savings-interest-with-minimal-risk.html#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/wp-content\\\/uploads\\\/2023\\\/03\\\/cash-in-hand.png\",\"datePublished\":\"2025-06-16T11:15:46+00:00\",\"dateModified\":\"2025-07-02T17:10:06+00:00\",\"description\":\"Bank savings account interest rates stink. 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