premium Tier Analysis

The "Ultra-Safe" Treasury Ladder: 5% Yield, Zero Risk

Beating the bank with SGOV and USFR. State tax exempt.

DivAgent Research Team
2026-01-10
5 min read

The "State Tax Hack"

This is the secret sauce. Interest from US Treasuries is exempt from State and Local taxes.

Example: California Resident (9.3% Tax)

  • Bank Yield (4.0%): After tax = 3.63%
  • SGOV Yield (5.2%): After tax = 5.20%

Difference: +1.57% "Real" Yield. On $50k cash, that's $785/year.

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