How Do T-bills, T-notes, and T-bonds Differ In Maturity Dates?

If you go to Treasury Direct,, you can see when you selected to buy any treasury items; it lists out T-Bills, T-Notes, and T-Bonds, with their maturity ranges.

T-Bills, T-Notes, and T-Bonds different maturity dates.

How Does Treasury Direct List T-Bill, T-notes, and T-Bond Dates?

T-Bills are short-term fixed-rate securities, so they are measured by weeks and only go up to one year in maturity. (FAQ about T-Bills and Interest Payment: What Is A Zero Coupon Bond?)

T-Notes are a little longer, but mid-term fixed-rate security and maturity ranges from 2 to 10 years.

T-bonds are long-term fixed-rate securities that go beyond ten years.

How Can I Use The Differences Between T-bills, T-bonds, and T-Note?

With differing maturity dates, you can split up your money and buy into securities with different maturity dates by staggering purchase times or maturity dates.  

With auto-reinvesting, you can create a stream of passive income that rides on the back of being a safe investment over time.

Treasury Direct Offers many different types of securities for saving money, and investing in future.

What I Am Doing With Different Maturity Dates.

At the time of this writing, I am trying to transfer from my High Yield Savings Account, holding my six-month Emergency Fund, into a T-bill ladder.

Because of the different maturity dates, I created a 4-week t-bill ladder, with staggered maturity dates, about a week from one another, and auto-reinvest turned on.  

I created a T-Bill ladder that will make me a weekly income with a decent yield( How To Calculate A T-Bill Yield ).

Using this experience, I plan to create a ladder with 13-week T-Bills so my Emergency Fund is safely invested, and at any one time, I’m one month or less from 

So, to create a passive income generator and preserve value for money you aren’t willing to risk losing, like an Emergency fund, different T-Bill, T-Notes, and T-Bonds maturity dates can be used in your favor.

Tom, Growing His Passive Income Generators.
Myself with an interesting Bull Sculpture.
Notice: No Lambo’s. :/
Hi I’m Tom, A Blogger And A PIG Farmer.

PIG Farmer as in I grow Passive Income Generators(PIG’s).

I’ve been playing with stocks, mutual funds, and options for decades, as well as always working on my side hustle stacks.

Unlike what you read online, I’ve yet to find a way to get rich quickly. Get Rich Quick isn’t happening for me.

My journey has been long and continues. I hope to have so many PIGs I can stop working at my current job and volunteer as a medical worker overseas. 

Still waiting, but getting there. I still am a family man, and while on this Journey of Growing PIGs.  

I wanted to share my adventures(ups and downs), hoping you will contribute with your feedback and comments.

Fun Fact: In my spare time, I am a Band-Dad!

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