--- title: "Why buy stocks when T-bills pay 5%? Jim Cramer’s blunt answer" type: "News" locale: "en" url: "https://longbridge.com/en/news/291470268.md" description: "Jim Cramer argues that while T-bills offer ~4% yields, stocks provide superior long-term returns through dividend growth and compounding. He highlights that T-bill rates are falling and face reinvestment risk, whereas quality dividend growers like Enbridge and Oneok offer higher initial yields with annual increases. Cramer advises that short-term savers should stick to bills, but investors with a five-year horizon can tolerate volatility for greater potential gains." datetime: "2026-07-01T23:23:38.000Z" locales: - [zh-CN](https://longbridge.com/zh-CN/news/291470268.md) - [en](https://longbridge.com/en/news/291470268.md) - [zh-HK](https://longbridge.com/zh-HK/news/291470268.md) --- # Why buy stocks when T-bills pay 5%? Jim Cramer’s blunt answer Quick ReadThe 5% T-bill opportunity has passed, with 6-month bills now yielding only 4%. That shift makes dividend growers like ENB at 6.9% and OKE at 4.7% far more competitive.Cramer argues T-bills carry reinvestment risk and zero growth, pointing out that $10,000 in a 6% dividend grower earns roughly $600 annually while a 4% bill yields only arou... ### Related Stocks - [ENB.US](https://longbridge.com/en/quote/ENB.US.md) - [OKE.US](https://longbridge.com/en/quote/OKE.US.md) ## Related News & Research - [5.3% Yield and Still Worth Buying: The Dividend Stock I Keep Adding To](https://longbridge.com/en/news/295308986.md) - [Are Wall Street Analysts Bullish on ONEOK Stock?](https://longbridge.com/en/news/295673742.md) - [HP Inc. Has Unusual Put Option Activity - A 7.4% Short-Put Yield - But Is It a Trap?](https://longbridge.com/en/news/295564912.md) - [All it takes is $10,000 invested in equal parts of these 3 high-yield dividend stocks to generate over $1,500 in yearly dividends](https://longbridge.com/en/news/295441219.md) - [U.S. 6-week bills high rate 3.670%](https://longbridge.com/en/news/295556511.md)