I am currently looking for an asset to build up and park a monthly sum via a savings plan for 2 to 3 years. Stability, security and a little return are important to me.
One option would have been the TradeRepublic cash account with its current 3% interest rate. However, I don't like the fact that I can't tell the difference between parked money and free capital.
During my search, I came across bond ETFs with distributions that could provide me with exactly that with my current knowledge.
My option: $IBTU (-0.05%)
The iShares USD Treasury Bond 0-1yr UCITS ETF invests in short-term US government bonds with remaining maturities of 0 to 1 year. It offers a high level of security, as the bonds are guaranteed by the US government, and is ideal as an alternative to call money accounts or for capital preservation. The main risks are exchange rate fluctuations (USD/EUR), low returns in periods of low interest rates and the effects of inflation. Perfect for security-conscious investors!
Have I overlooked something in my considerations? Do you have a better alternative?
https://www.ishares.com/de/privatanleger/de/produkte/307241/ishares-treasury-bond-0-1yr-ucits-etf
