# You Are 68 and a $40,000 Expense Lands in Three Years

> Three Treasury ETFs protect $40,000 for a 68-year-old's fixed expense due in three years.
- Title: You Are 68 and a $40,000 Expense Lands in Three Years
- Summary: Three Treasury ETFs protect $40,000 for a 68-year-old's fixed expense due in three years. Three Treasury ETFs: BILS for short-term stability, VGSH for…
- Keywords: bils, vgsh, stip, treasury, etf, retirement, inflation, fixed expense, 000, Expense, Lands, Three
- Source: 24/7 Wall St. — https://247wallst.com/investing/etf/2026/10/16/you-are-68-and-a-40000-expense-lands-in-three-years-these-3-etfs-are-where-that-money-should-sit-until-then
- Author: Ryne Mauck
- Published: 2026-10-16T20:03:27+00:00
- Read time: 1 min
- Topics: bils, vgsh, stip, treasury, etf, retirement, inflation, fixed expense
## Fixed Expense Deadline
A 68-year-old faces a $40,000 expense due in three years.
## Three Treasury ETFs Match This Need
State Street SPDR Bloomberg 3-12 Month T-Bill ETF (BILS), Vanguard Short-Term Treasury ETF (VGSH), and iShares 0-5 Year TIPS Bond ETF (STIP) suit this scenario.
## Why Short-Term Treasuries Work
Short-term Treasuries remove credit risk and keep rate sensitivity low for fixed expenses.
## Current Yields for Short Treasuries
The 3-month Treasury yielded 4.28% and the 3-year yielded 4.92% as of October 14.
## BILS: Short-Term Stability
BILS tracks Treasury obligations with 3-12 month maturities and averages 4.49% yield.
## VGSH: Three-Year Horizon
VGSH holds Treasuries maturing in 1-3 years with 0.03% expense ratio and 4.82% yield.
## STIP: Inflation Protection
STIP covers inflation with 5-year real yield of 2.64% and principal tied to CPI.
## Key takeaway

Three Treasury ETFs: BILS for short-term stability, VGSH for three-year horizon, STIP for inflation protection.