Can you explain? T-bills? CD's? What?
I’m putting it into a series of CD’s, paying attention to FDIC limits and the creditworthiness of the banks involved.
Here’s a tip: If a CD from a bank is paying more than a few basis points more yield for the same duration as what you’re seeing from other banks, it probably is because that bank (the one paying the higher yield) has a lower S&P/Fitch’s/Moody’s rating, or they’re on a negative creditwatch, or they’re in trouble, not downgraded yet, and they’re in a fat hurry to plump up their reserves.
Go back and look at the yields on WaMu CD’s before they went under. Boy, they looked fantastic! Well, there was as reason why.