<prompt> Translate the following text to EnglishHata hivyo, kama wa kawaida kama vile Ball wanakubali, uwekezaji wa kibinafsi - hata mifuko ya msingi pana, ya kihafidhina iliyochaguliwa na makampuni ya bima na benki - hutoa mapato bora zaidi kuliko dhamana za serikali.  <response>: Still, as traditionalists such as Ball acknowledge, private investments--even the broad-based, relatively conservative portfolios selected by insurance companies and banks--do offer significantly better returns than government bonds. 