I’m Scared to Put My Money in the Bank. Where Else Can I Invest It?
The recent liquidation of two banks in Silicon Valley has sent shockwaves through the country, causing many Americans to question the safety and security of their hard-earned money. For decades, we have been taught to trust banks as a reliable means of storing our wealth, but this sudden turn of events has left many uneasy about entrusting their finances to these institutions. However, another option for those looking to invest wisely without risking everything is treasuries. In this post, we'll explore why investing in treasury bonds may be the most brilliant move you can make with your money right now.
What Are Many Investing in Treasury Bonds?
Federal regulators' shutdown of Silicon Valley Bank and Signature Bank has pushed many to invest in bonds, as they are deemed safer to invest thanks to being backed by the government. Currently, Treasury Bond Yields are the highest in many years. They are superior to Money Market funds, CDs, Muni bonds, Corporate Bonds, and Fixed Annuities. Especially with the current financial climate, Treasury Bond Yields are the best alternative to investing your money in banks.
Why Are Treasury Bonds Safer?
Bonds, with their government-guaranteed backing, offer a secure, low-risk option for diversifying one's portfolio. Their returns may be lower than other investments, but interest rates on bonds generally exceed those of regular savings accounts. Keep in mind, however, that bonds are usually a long-term investment, and should not be sold before the investment period expires without penalty since bond profits are also subject to federal taxation.
Two forms of bonds have been popular lately - Series I and Series EE. Series I bonds have recently been used as a strategy to combat inflation, as discussed by GOBankingRates, and are more widely purchased. As for Series EE bonds, it is promised that your investment will be doubled in a span of 20 years.
In order to begin investing in bonds, an initial amount of $25 is necessary. For electronic investments, $10,000 can be allotted for Series I bonds annually. Meanwhile, if you decide to purchase paper bonds, you can do so up to $5,000 for Series I bonds and $10,000 for Series EE bonds.
What Are The Advantages of Investing in Treasury Bonds?
Treasuries offer an attractive choice for investors in the present market for a number of reasons. Short-term investments with a duration of 3 months to 1 year can yield more than 5%, free from the FDIC Insurance's $250,000 cap. Liquidity is secured since no penalties are applied in the case of early withdrawal. Furthermore, the interest gained is exempt from state tax. The abundance of available treasuries makes it easy to build a comprehensive bond ladder. Should you be currently holding savings, liquid cash, or old bonds or certificates of deposits, don't hesitate to contact us for an analysis of how treasuries can benefit you.
In recent times, Treasury bonds and other bond types have become increasingly popular in response to the closure of two banks. Traditionally, people trusted banks to safeguard their wealth, but that confidence appears to be diminishing now. Investors have now come to rely more on bonds as a safe alternative; the government stands behind bonds, providing a greater assurance of retrieving one's capital.
Please feel free to call us at 845-240-1551 if you have any questions or if you currently hold savings, liquid cash, or old CD’s/Bonds. We can do an analysis and comparison to determine the advantages for you.
June 23, 2025 Sage Investment Advisers, LLC Named 2025 Best Financial Planner in the Hudson Valley WAPPINGERS FALLS, NY — Sage Investment Advisers, LLC, a trusted and local fiduciary firm based in Wappingers Falls, is thrilled to announce they have been chosen as Best Financial Planner in the Hudson Valley for 2025 , by Hudson Valley Magazine. Sage Investment Advisers beat out many other local financial planners and advisory firms to win the title of Best Financial Planner in the Hudson Valley. The Best of the Hudson Valley is an annual competition from Hudson Valley Magazine, where locals vote for their most beloved local businesses in each category. “We are honored to be named Best Financial Planner in the Hudson Valley,” said Jerry Schuder, President of Sage Investment Advisers. “This recognition validates the daily efforts of our team, working tirelessly to guide clients in retirement planning, investment management, and wealth preservation with integrity and care.” Sage Investment Advisers serves clients throughout the Hudson Valley region, including Wappingers Falls, Poughkeepsie, and beyond, offering tailored financial strategies, retirement planning, Social Security optimization, and real estate advisory services. Sage is dedicated to providing their clients with custom financial and retirement strategies to help them plan their retirement and legacy. This latest achievement adds to their list of other prestigious awards which include: 2024 Readers’ Choice: Best Financial Advisor – Hudson Valley , awarded by Daily Voice facebook.com+15dailyvoice.com+15sageinvestmentadvisersllc.com+15 Multiple Five‑Star Wealth Manager Awards (2012–2016, 2022–2025), presented by Five Star Professional fivestarprofessional.com+2fivestarprofessional.com+2fivestarprofessional.com+2 Recognized growth as the Hudson Valley’s #1 fastest-growing wealth management firm in prior industry rankings m.facebook.com+10sageinvestmentadvisersllc.com+10fivestarprofessional.com+10 Best Financial Advisor Firm (2024-2025)-Hudson Valley, awarded by USA Today “Being part of this Hudson Valley community means everything to us,” added Vice President, Joe Guarneri. “This award reflects our clients’ confidence and the strength of our fiduciary-driven practice.” ---------------------------------------------------------------------------------------------------------------------------------------------------------- About Sage Investment Advisers, LLC Located at 1829 South Road, Wappingers Falls, NY , Sage Investment Advisers is a local fiduciary wealth management and financial planning firm. The team combines financial and investment knowledge with decades of experience to offer custom investment strategies, retirement roadmaps, Social Security optimization, college planning, and real estate advisory services—all designed to empower clients to pursue financial peace and legacy building. Contact Jerry Schuder President, Sage Investment Advisers, LLC (845) 240‑1551 info@sageinvestmentadvisersllc.com Website: sageinvestmentadvisersllc.com Sage Investment Advisers, LLC , serving as Hudson Valley’s premier fiduciary firm, is honored to be named Best Financial Planner for 2025 , and remains dedicated to helping clients build their wealth, retirements, and legacies.
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