T‑Bill

Direct answer: To buy a U.S. Treasury bill (T‑Bill), you can open an account on TreasuryDirect or use a brokerage platform, select the desired auction, place a bid for the amount you wish to purchase, and fund the transaction by the auction’s settlement date. The process typically takes 1–3 business days from account setup to order confirmation.

TL;DR:

• Open TreasuryDirect or a broker account.
• Choose the T‑Bill term (4‑, 8‑, 13‑, 26‑, or 52‑week).
• Enter your purchase amount (minimum $100).
• Fund the order by the settlement deadline.
• Hold to maturity or sell on the secondary market.

1. What are Treasury Bills?
2. Why Buy T‑Bills?
3. Where to Buy T‑Bills
4. Step‑by‑Step Purchase Guide
5. Worked Example
6. Direct vs Broker vs ETF
7. FAQ

What are Treasury Bills?

U.S. Treasury bills are short‑term government securities with maturities of 4, 8, 13, 26, or 52 weeks. They are sold at a discount to face value and redeemed at par at maturity, making the interest earned the difference between purchase price and redemption amount.

Key characteristics:

• Issued by the U.S. Department of the Treasury.
• Backed by full faith and credit of the U.S. government.
• Minimum purchase: **$100
  

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