Cullen Roche: TBill and Chill strategy on $10 million comes with reinvestment risks

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Ashutosh Sureka

17.05.2026

Cullen Roche: TBill and Chill strategy on $10 million comes with reinvestment risks — TBill strategy has reinvestment risks

Cullen Roche raises the question of whether it is advisable to take a 'TBill and Chill' approach with $10 million.

He suggests that while this could be possible, a good financial advisor might encourage diversification into equities, longer bonds, or alternative assets to mitigate significant reinvestment risk.

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Roche has previously said brokerages are shifting costs to retail investors as mutual funds lose ground and centralization declines, according to a recent report. In a separate development, JD Hickey reconfigured an asset-liability matching tool to address sequence of return risk, as noted in his product update. These developments provide context for ongoing discussions about risk management and portfolio construction.

This material may contain third-party opinions, none of the data and information on this webpage constitutes investment advice according to our Disclaimer. While we adhere to strict Editorial Integrity, this post may contain references to products from our partners.

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