Great question!
📘 What is a Treasury Bill
(T-Bill)?
A Treasury Bill, or T-Bill, is a short-term
loan to the U.S. government.
You buy it at a discount, and the government pays you full face value
when it matures (usually in 4, 13, 26, or 52 weeks).
🧠 In simple words:
You lend money to the U.S. government for a short time.
They pay you back more than you gave, but without interest payments—just
a price difference.
🔍 How it works:
- You buy
a T-Bill for $970
- After
6 months, the government gives you $1,000
- You earn
$30 – that’s your profit!
📊 Key Features:
|
Feature |
Description |
|
Issuer |
U.S. government |
|
Term |
Short (1 year or less) |
|
Risk |
Very low (backed by U.S. government) |
|
Return |
Small, but very safe |
|
Tax |
No state or local tax on earnings |
|
Payment |
No interest—you earn from the price difference |
✅ Why people invest in T-Bills:
- Safe
way to park cash
- Great
for capital preservation
- Good
for emergency savings or short-term plans
- Often
used in retirement portfolios for stability
🛡️ Example of when to
use:
- You
want to save money safely for the next 6–12 months
- You
don’t want to risk the stock market
- You
want something better than a savings account, but still very
low-risk
🇰🇭 In Khmer:
Treasury Bills (T-Bills) គឺជាប័ណ្ណបំណុលរយៈពេលខ្លីដែលអ្នកអាចទិញពីរដ្ឋាភិបាលអាមេរិក។
អ្នកទិញវាបានក្នុងតម្លៃបញ្ចុះ (ថោកជាងតម្លៃពេញ)
ហើយនៅពេលផុតកំណត់ (1ខែ, 3ខែ, 6ខែ ឬ 1ឆ្នាំ)
អ្នកទទួលប្រាក់ពេញវិញ។
ប្រាក់ចំណេញគឺការប្រែប្រួលរវាងតម្លៃទិញនិងតម្លៃទទួលវិញ។
Would you like to learn how to buy T-Bills through Schwab or
other platforms like TreasuryDirect?