Treasury Bills

Hi Terry, I would guess you’re pretty busy with the requests and questions but it’s been a couple months since I sent a question and have not heard back. A few years back you told everyone about I Bonds and the 9+% they were paying investors so I took your advice and bought 4 $10K Bills one each for my wife and I and one each as gifts for my Son & Daughter. Since then I have regularly bought T-Bills. The question I have is when buying I have the option owning them myself, with a beneficiary or payable to a co-owner upon my death. Is one option better than the other?