There is an inverse relationship between interest rate movements and fixed income prices. Generally, when interest rates rise, fixed income prices fall and when interest rates fall, fixed income prices generally rise. Dividends will fluctuate and are not guaranteed. Dollar cost averaging does not ensure a profit or protect against a loss in a declining market. US treasury bills are guaranteed by the US government and, if held to maturity, offer a fixed rate of return and guaranteed principal value. Treasury bills are certificates reflecting short-term (less than one year) obligations of the US government. Investing involves risk and investors may incur a profit or a loss. There is no assurance any of the trends mentioned will continue in the future.