A $185,000 portfolio invested in Treasurys at a blended 4% yield generates $617 monthly, enough to cover groceries, utilities, and phone bills.
A T-bill ladder using 13-week, 26-week, and 52-week bills yields between 3.79% and 3.99% while staggering maturities to deliver consistent monthly cash flow.
The strategy excludes rent, healthcare, and insurance, and its income shrinks if rates fall, having already dropped 0.75 points over the past year.
Are you ahead, or behind on retirement? SmartAsset's free tool can match you with a financial advisor in minutes to help you answer that today. Each advisor has been carefully vetted, and must act in your best interests. Don't waste another minute; learn more here.
A $185,000 portfolio sounds like it should do a lot of work. At current safe yields, it does one specific job well: it covers the three recurring bills that appear in every household budget each month. Those bills are groceries, utilities, and the phone bill, with nothing fancier included.
A T-bill ladder using 13-week, 26-week, and 52-week bills yields between 3.79% and 3.99% while staggering maturities to deliver consistent monthly cash flow.
The strategy excludes rent, healthcare, and insurance, and its income shrinks if rates fall, having already dropped 0.75 points over the past year.
Are you ahead, or behind on retirement? SmartAsset's free tool can match you with a financial advisor in minutes to help you answer that today. Each advisor has been carefully vetted, and must act in your best interests. Don't waste another minute; learn more here.
A $185,000 portfolio sounds like it should do a lot of work. At current safe yields, it does one specific job well: it covers the three recurring bills that appear in every household budget each month. Those bills are groceries, utilities, and the phone bill, with nothing fancier included.
1 month ago
