cash management strategy for high rates
T-Bill Ladders vs The 5% Ceiling - Is Your Strategy Already Obsolete?
Yes, the traditional T-Bill ladder is now largely obsolete for most cash-focused investors. With a flat 5.00% money-market rate widely available, the incremental benefit of rolling short-term Treasury bills has eroded, making a simpler, higher-yield approach more practical. 2024-2025 data shows the flat yield curve eliminating the upside that