The article suggests three short-term U.S. Treasury ETFs to hold a $40,000 expense due in three years for a 68-year-old, ordered by when the money is needed: BILS, VGSH and STIP. BILS holds Treasury bills maturing in 3 to 12 months and had about $3.9 billion in net assets as of June 30; VGSH holds Treasuries maturing in 1 to 3 years with a 0.03% expense ratio; STIP holds TIPS maturing in under five years, whose principal adjusts with CPI. The piece stresses that funds have no maturity date, so the amount received depends on the share price when sold, unlike an individual Treasury or a CD that matures on a set date. All three hold only U.S. government debt, can be sold on any trading day, pay monthly income, and can still lose value.
Summary written by Upside AI from the original article. Read the source for full details.
Original headline: You Are 68 and a $40 , 000 Expense Lands in Three Years ? These 3 ETFs Are Where That Money Should Sit Until Then
Read the original on 247wallst.com ↗
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