Don't forget taxes. Unless you hold them in a retirement account, interest income is taxed at your marginal rate, so your 2.7% easily becomes ~1.5% or less if y

Don't forget taxes. Unless you hold them in a retirement account, interest income is taxed at your marginal rate, so your 2.7% easily becomes ~1.5% or less if you are a relatively high earner at the peak of your career.