Don't use TreasuryDirect, do this instead!

Описание: Don't open a TreasuryDirect.gov account to buy Treasury Bills, Notes, and Bonds - there's an easier way.

With Treasury Direct, you have to navigate an antiquated system that requires you to jump through hoops to get set up. You also cannot sell Treasury bonds, you have to transfer them to another bank or brokerage to sell them. It will let you buy bonds but it's a pain.

Major brokerages have Treasury Money Market Funds that will buy Treasuries for you at a low cost. For example, the Vanguard Treasury Money Market Fund (VUSXX) has a $3,000 minimum and only holds U.S. Government Obligations (3.3%) and U.S. Treasury Bills (96.70%), as of April 2025.

Here are the funds you can pick along with their minimums and expense ratios:
➡️ Vanguard Treasury Money Market Fund (VUSXX) - $3k minimum, 0.07% expense ratio
➡️ Fidelity Treasury Money Market Fund (FZFXX) - $0 minimum, 0.42% expense ratio
➡️ Schwab U.S. Treasury Money Fund (SNSXX) - $0 minimum, 0.34% expense ratio

Save yourself a lot of time and headache with a fund rather than buying Treasuries directly.

ABOUT ME

I first learned about money when working as a software engineer for a defense contractor. I would blog about my experiences as a side hustle which ultimately became my main career. I now write about money at WalletHacks.com and as a contributor to Forbes.

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