I think it's a good choice. Since you can get 2.2% for DBSM, it's the highest. Rather than keep in SSB and stuck and wait for 10 years, with DBSM, the liqudity not only gives you the right amount of emergency cash liquidity, it also a good way to accumulate war chest and strike go for a shopping sprea during the next downturns. Not to mentioned that DBSM interest paid monthly over the 7th of next month. I would always see as $ in my bank a/c / pocket NOW is better than SSB which is like 6 months later and to realized the full 2.4 / 2.5% I have to get stuck 10 years, that would means I'd miss a lot of good opportunity since a lot of things can happen in the 10 years period. I second your choice! Cheers !