Should I buy Treasury bonds now?

Yes—consider buying Treasury bonds now if your goal is predictable income, diversification, and you can hold for the long term. But don’t put all your bond allocation into 20- or 30-year Treasuries at once unless you’re comfortable with price swings if interest rates rise.

A practical approach:

1. If you need money within 0–3 years: favor Treasury bills, money-market funds, or short-term Treasuries instead of long bonds.
2. If you want reliable income for 10+ years: long Treasury bonds can make sense, especially as part of a diversified portfolio.
3. If you’re worried about rates moving: buy gradually over several months or build a Treasury ladder rather than making one large purchase.
4. If you may sell before maturity: be careful—long bonds can lose market value when yields rise.

Bottom line: buy Treasuries now for stability and income, but match the maturity to when you need the money. For most investors, a ladder or intermediate-term bond fund is safer than a big bet on 20- or 30-year bonds.