How To Buy Treasury Bills For Beginners on Fidelity: This video covers a complete guide on what treasury bills are and how to buy treasury bills on the primary and secondary market with examples through Fidelity. Enjoy!

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⏰ Timestamps ⏰
00:00 Intro To T-Bills
02:59 Primary Market
06:15 Secondary Market
09:50 Conclusion

📝 What is a Treasury Bill?
Treasury Bills are short-term debt securities that are issued the U.S. treasury and backed by the U.S. government, which is why they are considered a low-risk investment.

Treasury Bill Options:
The maturities, which in simple terms is the lifespan of the investment, are 4,8,13,17,26, and 52 week options.

Pros:
1. Treasury Bills rise when interest rates rise
2. Exempt from state and local taxes
3. On Fidelity you are not locked into a 45 day holding period like TreasuryDirect
4. On Fidelity it is much easier to make an account and sell the positions.
5. Treasury Bills are pretty much risk-free

Cons:
1. TreasuryDirect has increments of $100 where Fidelity is $1000
2. Treasury Bills fluctuate so understanding market conditions and how to adjust is ideal.
3. Still pay federal tax (but overall tax exemptions are better than CDs)
4. Only small allocation because other securities perform much better (Stock market average)
5. U.S. Debt Ceiling Crisis could be an issue but historically have had adjustments to fix.

Types of Purchase:
Think of the primary like buying a brand new vehicle and the secondary market is like buying a used car. The primary consist of new issued t bills and the secondary market you are buying through a bond broker. Primary market is known to be cheaper, but typically only noticeable with a large order.

Current Conditions:
Currently treasury bills are seeing higher rates for shorter terms where the typical scenario would be higher rates for longer term maturities. This is because of current market conditions because of recent interest rate hikes, where t bills for the most part directly correlate to the interest rates.

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Sources:
1 Year Yield Chart: https://www.macrotrends.net/2492/1-year-treasury-rate-yield-chart
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Disclaimer: The information provided in this video does not, and is not intended to, constitute legal, tax or financial advice; instead, all information, content, and materials available on this video and on this channel are for general informational purposes only. I am not an attorney, accountant or financial advisor. Viewers of this video should contact their attorney, accountant or financial advisor to obtain advice with respect to any particular legal, tax or financial matter.