I think you're jumping to conclusions (or at least speculating) about something that isn't supported by the facts - at least not yet. It sounds to me like they didn't have a sufficiently balanced portfolio of investments. Any investment vehicle is subject to fluctuations, and it's a basic principle of sound investment to diversify. They also had an unusual profile of depositors, so I believe we're a long way from worrying about inciting panic.
http://www.msn.com/en-us/money/markets/silicon-valley-banks-implosion-isnt-a-canary-in-the-coal-mine-and-wont-result-in-contagion-rbc-analyst-says/ar-AA18t8w1
This doesn't mean we aren't overdue for a market adjustment (which we're seeing to some extent) and/or a recession, but that wouldn't be surprising, considering the aftereffects of Covid and the war in Ukraine.
And FWIW, I did hear about this on news radio this morning. I also just did a 10 second online search and found an article on this subject by every one of the major *news* networks. Just sayin'...
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