Updated July 24, 2026 · refreshed automatically every 6 hours
Today’s data is unusually kind to cash: 3-month T-bills pay 3.78%, about 1.1 points above expected inflation — a genuine real return, which was not true for most of the 2010s.
The risk to an all-cash approach is that this can end: if the Fed cuts, floating yields follow it down within months. Locking a portion — a 1-year CD at 4.10% or a 2-year Treasury at 4.21% — keeps part of today’s rate alive through a cutting cycle. The market currently leans toward higher rates, which favors staying liquid.
How much to keep liquid versus locked depends on personal spending needs and time horizon — this page shows today’s numbers, not personal advice. The simulator lets you test both sides under any rate path.
Feddecision translates market data into plain English. This page is generated automatically from today’s data and is general education — not personalized financial, investment, or tax advice.