With the banking world back into doom-and-gloom mode, safety is the name of the game for investors and savers. Many of those looking to keep large amounts of cash safe have fled to 10-year Treasury bonds, which were yielding about 2.18% on Jan. 15. Of course, those investors face some capital risk if they sell the bonds. To play it even more safely, investors may consider three-month T-bills, but they were only yielding 0.10%. Six-month bills yielded 0.72%.