Treasury notes pay about 4.25% now, They are immune to any interest rate change. Interest rates might increase making dated T bills decrease in value as the newer bills have more value than older bills that pay less. The nice T Notes are immune to state income tax (progressive
!)
My usual approach is to wait until I have enough $ to make a move. I check out everything but usually buy a good used Ruger MKII or Hawkeye having
non magnum bolt face. The action is sent off to a barrel maker of choice who installs a new barrel having receiver ring trued up & bolt lugs lapped up. I do trigger & stock work - served as gofer for top rated rifle smith for some time.
I gets to save many $ and have my $ stash intact, True - a $2.5 K T Note would make about $106 per year but more $ invested would earn more,
I don't sell my rifles but, on occasion, gift them to others who admire their accurate performance against tiny long range targets.