--- title: Berkshire Keeps $344 Billion in Treasury Bills, and You Can Buy Them Starting at $100 description: Berkshire Hathaway has around $344 in Treasury bills, according to a recent earnings report. Here's how (and why) to buy T-bills yourself. authors: - name: Marc Guberti url: https://money.com/author/marc-guberti/ bio: Marc Guberti is a personal finance writer who hosts Breakthrough Success, a podcast where he teaches listeners how to grow their businesses and achieve personal transformations. at_money_since: 2024 articles: 478 covers: - Retirement - Banking - Career Advice - Credit - Credit Cards - Debt - Economy and Politics - Health and Wellness - Housing - Identity Theft - Insurance - Investing - Lifestyle - Loans - Mortgages - Personal Finance - Pets - Professional Services - Shopping - Taxes published: '2026-11-15T14:30:19.000Z' section: Retirement word_count: 484 canonical: https://money.com/berkshire-hathaway-treasury-bills-how-to-buy/ type: Article source: structured-blocks --- > **Disclosure:** We research all brands listed and may earn a fee from our partners. Research and financial considerations may influence how brands are displayed. Not all brands are included. [Learn more](https://money.com/page/disclaimer/). ![Financial Markets Open Ahead Of Federal Reserve's Latest Rate Decision](https://img.money.com/2026/11/Explainer-Berkshire-Treasury.jpg) Berkshire Hathaway may have a large holding of cash and cash like-equivalents, including around $344 billion of Treasury bills, but you only need $100 to invest in Treasuries. The company, which was led by Warren Buffett for decades, certainly has the means to invest some of these funds in stocks. But understanding why it has so much money in Treasury bills can be helpful in determining whether T-bills may make sense in your portfolio. Here’s how. ## What is a T-bill? A Treasury bill, or T-bill, is a short-term loan from the U.S. government. You give the government money and receive interest until the T-bill matures. Once that happens, you receive your entire principal back. There is a $100 minimum to invest in a T-bill when buying directly via TreasuryDirect, and the terms range from four to 52 weeks. If you hold a T-bill through maturity, you are guaranteed to recover your principal and receive interest. That type of guarantee isn’t available in the stock market. While a stock can outperform a T-bill, it’s just as possible for a stock to lose significant value over a short period of time. ## How Berkshire Hathaway uses T-bills Berkshire doesn’t deploy capital just for the sake of it. The investment team is prudent with each action they take, and that includes maintaining a large cash cushion. But keeping that money in a checking account that earns a less-than-1% annual percentage yield (APY) won’t do. That’s in part why the firm buys T-bills. These bills have much higher yields than checking accounts, and since they mature relatively soon, Berkshire has the financial flexibility to pursue new investment opportunities if they come up. Berkshire has roughly $344 billion in T-bills, according to its most recent earrings report. Like Berkshire Hathaway, investors can buy T-bills. But they can also spread money across high-yield savings accounts (HYSAs) and certificates of deposit (CDs) to get the best rates. Most investors can also use these products, which offer different rates and accessibility to cash. HYSAs and money market accounts let you tap into cash as needed, while CDs have maturity dates just like Treasury Bills. ## Taxes and how to buy The interest you accrue from a Treasury Bill will be taxed at the federal level, but it will not be taxed at the state or local levels. This distinction matters more for people in high-tax areas like New York and California than Floridians and other people who live in states with zero income taxes. You can buy T-Bills directly from the government through TreasuryDirect. It’s also possible to buy Treasury Bills through brokerage accounts like Fidelity Investments and Charles Schwab, which lets you keep all of your assets in one place. Treasury Bills do not come with the same risks as stocks. And while T-Bills don’t offer as high potential returns as stocks, they still allow you to earn some interest on idle cash. ```json { "@context": "https://schema.org", "@graph": [ { "@type": "BreadcrumbList", "@id": "https://money.com/berkshire-hathaway-treasury-bills-how-to-buy/#breadcrumb", "itemListElement": [ { "@type": "ListItem", "position": 1, "name": "Home", "item": "https://money.com" }, { "@type": "ListItem", "position": 2, "name": "Retirement", "item": "https://money.com/retirement/" }, { "@type": "ListItem", "position": 3, "name": "Berkshire Keeps $344 Billion in Treasury Bills, and You Can Buy Them Starting at $100" } ] }, { "@type": "WebSite", "@id": "https://money.com/#website", "url": "https://money.com", "name": "Money", "publisher": { "@id": "https://money.com/#organization" } }, { "@type": "WebPage", "@id": "https://money.com/berkshire-hathaway-treasury-bills-how-to-buy/#webpage", "url": "https://money.com/berkshire-hathaway-treasury-bills-how-to-buy/", "name": "Berkshire Keeps $344 Billion in Treasury Bills, and You Can Buy Them Starting at $100", "isPartOf": { "@id": "https://money.com/#website" }, "datePublished": "2026-11-15T14:30:19.000Z", "mainEntity": { "@id": "https://money.com/berkshire-hathaway-treasury-bills-how-to-buy/" }, "inLanguage": "en-US", "breadcrumb": { "@id": "https://money.com/berkshire-hathaway-treasury-bills-how-to-buy/#breadcrumb" } }, { "@type": "Article", "headline": "Berkshire Keeps $344 Billion in Treasury Bills, and You Can Buy Them Starting at $100", "articleSection": "Retirement", "image": [ { "@type": "ImageObject", "url": "https://img.money.com/2026/11/Explainer-Berkshire-Treasury.jpg", "width": 1024, "height": 683, "caption": "Explainer-Berkshire-Treasury" } ], "author": [ { "@type": "Person", "name": "Marc Guberti", "url": "https://money.com/author/marc-guberti/", "@id": "https://money.com/author/marc-guberti/#author", "description": "Marc Guberti is a personal finance writer who hosts Breakthrough Success, a podcast where he teaches listeners how to grow their businesses and achieve personal transformations.", "worksFor": { "@id": "https://money.com/#organization" } } ], "publisher": "https://money.com/#organization", "datePublished": "2026-11-15T14:30:19.000Z", "description": "Berkshire Hathaway has around $344 in Treasury bills, according to a recent earnings report. 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