CD's vs. Treasuries
I have about 40K that I want to put somewhere for a 3-5 year goal. Im 99% sure I will not need this money within that timeframe. I already have other taxable and nontaxable accounts that I invest in monthly as well as a healthy EF in a HYSA. I live in a state with no state income tax. Should I invest in one 3 and one 5 yr CD's at 4.6% and 4.75% or treasuries at 4.68% and 4.78% or should I do a ladder for 1-5 years, or something like SGOV or VBIL with lower rate but ability to move if rates change for the better due to their short time horizons. Im new to investing so I am just trying to get some opinions on what the experts in this group would do in the same scenario. Thanks.