: Best for smaller budgets or those seeking instant diversification.

: Best for high-net-worth investors seeking full transparency and control.

Buying city bonds (municipal bonds) is a popular way to earn tax-exempt interest income while funding local infrastructure like schools and roads. 1. Choose Your Investment Method

: Typically $5,000 per bond, though building a diversified portfolio often requires $100,000 to $200,000+.

Most municipal bonds must be purchased through a middleman; they are generally available via TreasuryDirect .