Jim Cramer told a Mad Money caller that the 5% T-bill trade is over, with 6-month bills now yielding about 4%, and argued that quality dividend growers like Enbridge and Oneok offer better long-term returns. Enbridge yields roughly 6.9% and just delivered its 31st consecutive annual dividend increase, while Oneok yields about 4.7% and raised its payout 4% in February 2026. Cramer noted that $10,000 in a 6% dividend grower earns roughly $600 annually versus about $199 from a 4% T-bill, and that over five years Enbridge returned 85% and Oneok returned 102%, not counting reinvested dividends. He stressed that the choice depends on time horizon: T-bills suit money needed within a year, but for five years or longer, dividend growers have historically outperformed despite price swings.
Enbridge IncCramer recommends Enbridge as a quality dividend grower with 6.9% yield and 31 consecutive annual increases, outperforming T-bills.
ONEOK IncCramer recommends Oneok as a quality dividend grower with 4.7% yield and 4% payout raise, outperforming T-bills.