I agree that it makes sense to allocate your capital efficiently. A risk free 0.1% doesn't look like you're being an employer though. It sounds like the rate

I agree that it makes sense to allocate your capital efficiently. A risk free 0.1% doesn't look like you're being an employer though. It sounds like the rate that comes from your deposits at a bank (which lends your deposits to make money, which in some way most likely depends on them getting a higher rate of return on capital than growth in output)