But while T-bills are as safe from default as anything on the planet, they yield a very low rate of return.

但是虽然从违约来看 T-bill 和这颗星球上的其它事物一样安全，它的回报率却是极低的。

youdao

The 30-year T-bond stands at 2.82%, and three-month Treasury bills were sold last week for a yield of just 0.05%.

30年期国债收益率为2.82 ％ ，3个月国库券，上周实际收益率仅为0.05 ％。

youdao

Money market funds and cash equivalents (short-term certificates of deposit, T-bills) will yield below 1.0 percent for several more years, thereby generating a negative real return.

FORBES: The Next 10 Years

T-bills yield a negative real rate of return now and 10-year Treasuries yielding 4% don't light my fire.

FORBES: Magazine Article

T-bills normally yield a 1% real rate of return.

FORBES: Magazine Article