---
type: "Topics"
locale: "en"
url: "https://longbridge.com/en/topics/100000000856652.md"
description: "Planners Say Ditch T-Bills Now. My Question: Why Weren't You Asking This In July?  🦖🔍 The AngleWhy did everyone wait until the six-month T-Bill yield fell from 1.59% to 1.56% before questioning it? The headline focuses on a three-basis-point move, but the bigger forensic issue is that 1.59% was already 1.61 percentage points below my 3.2% Forensic Floor.💰 What It Means For YouIf your cash is needed within a year, the T-Bill is still doing a parking job, and this auction changes very little. But if you are comparing retirement income options, CPF OA at 2.5% already exceeded the strongest T-Bill auction this year, while CPF SA and RA at 4% came much closer to the hurdle. The question is not whether this week's yield dipped, but which bucket your money actually belongs in.📺 YouTube: https://youtu.be/LlHWGV4VUKc📩 Substack: https://investingiguana.com/p/planners-say-ditch-t-bills-now-my"
datetime: "2026-08-17T03:32:52.000Z"
locales:
  - [en](https://longbridge.com/en/topics/100000000856652.md)
  - [zh-CN](https://longbridge.com/zh-CN/topics/100000000856652.md)
  - [zh-HK](https://longbridge.com/zh-HK/topics/100000000856652.md)
author: "[TheInvestingIguana](https://longbridge.com/en/profiles/22116548.md)"
generator: "portal-rs"
---

# Planners Say Ditch T-Bills Now. My Question: Why W…


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> **Disclaimer: This article is for reference only and does not constitute any investment advice.**