The 28-day Treasury Bill is the shortest standard T-Bill tenor in Ethiopia.
It's designed for investors who prioritise flexibility, short commitment periods, and quicker access to funds than longer tenors.
If you want a short-duration, government-backed investment, this may be a practical starting point.
Faster accessHigher potential return
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Key Facts
Investment term
28 days
Reinvestments / year
~13×
Liquidity profile
Highest flexibility
Best for
Short-term cash management
Definition
What is the 28-Day T-Bill?
A 28-day Treasury Bill is a short-term government investment that matures in just four weeks. Like other T-Bills, you buy it below face value and receive the full amount at maturity, your return is the difference. Because the period is short, it's often considered the most flexible standard option.
Suitability & Benefits
Who might consider it, and why choose it?
Need funds soonPrefer short commitmentsWant government-backed exposureShort-term cash management
- +Short commitment period. Funds are tied up for only 28 days, the shortest standard option.
- +Greater flexibility. A shorter period lets you reassess market conditions more often.
- +Faster access to funds. Your investment is returned relatively quickly.
- +Easier starting point. The short timeline can feel easier for first-time investors to manage.
Considerations
Things to consider & next steps
- –Returns may be lower. Short tenors can pay less than longer maturities, depending on the market.
- –Frequent reinvestment. To stay invested, you may need to join auctions more often.
- –Returns can change quickly. With regular short-term auctions, yields can move between auctions.
When this may be a good fitYou expect to need your funds within a short period, prefer short-term decisions, and value flexibility over a longer commitment.
Next Step
Ready to explore current 28-day opportunities? View latest 28-day auction results →