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Given the economic factors + SVB's deposit base, what should they have done differently?

I mean if I knew interest rates were gonna go high all the way back in 2021, then why didn’t SVB?

Oh right cause they didn’t have a CRO.

They bought one of the worst assets you could’ve in that time frame. MBSes with barely any interest and long maturity times.

bought bonds with 1y maturity and not 10y

Or simply laddered their maturities to blend a lower average duration.

Pretty crazy that the GIC savings strategy we teach kids in junior high might have mitigated this.