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Why Would Silicon Valley Bank Buy 10-Year Treasury Bonds Near The Top Of The Market?
The Financial Samurai Podcast
Investing Your Own Money Is a Ponzi Scheme
If you lock in a 1.69% rate for 10 years and your cost of deposits now balloons to, let's say, 4%, 4.2%, 4.5%. At many of the competing banks, then you're upside down. You have a negative net interest margin. And then, if you don't get as many deposits, it becomes this shortfall. The shortfall will result in...it's almost like a Ponzi scheme, right? Because no bank has all of its deposits' money available to its depositors. That's banking 101.
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