The employee contributions may be fully or partially matched by the employer. Time Horizon . The period of time that a person is willing to keep his or her money invested. Total Return . Treasury Bills .
Maturities range from three months to one year.
Treasury Bonds . Government-backed securities that pay interest every six months. Maturities range from ten to thirty years, but many are callable prior to maturity. Treasury Notes . Government-backed securities with maturities of one to ten years, with interest paid every six months.