Treasury bills ensure guaranteed returns, but with minimum interest, and it beats having to leave your money in a bank. They will hold your money though--depending on the length of tenure you chose.The longer the tenure means the bigger the interest, but sometimes you need have liquid assets so a longer tenure is not always the best option. This is nice to have, but make sure you have enough savings on your bank account. And if you have a lot of money, try to put your money in different portfolios like stocks and mutual funds. Hope this helps.