"Say you're saving for a house or a car and you don't want to take on equity-like volatility because of that shorter time horizon,†Srmag says. "Fixed assets can make more sense because of the predictable outcome they create.†"They wanted to earn more yield on their savings than what they were getting at the bank, but they also were afraid of putting it inside the CD because of the surrender penalty,†Stalker says. "A Treasury bill ladder was the perfect way to accomplish their goal because it was going to ...