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What we know, and don’t know, about the recent bank developments

Over the past week, the government has stepped in to take over several U.S. banks. While there may be more questions than answers on what it means going forward, we want to empower you with the facts. Join Elyse Ausenbaugh, Global Investment Strategist and Jeanne Sun, Head of Investments & Advice for Digital Wealth for a webcast as they discuss:

What’s happening in the banking sector and why
How policymakers are responding to the situation
The potential economic and market implications going forward
Key considerations for investors today

Stay informed with the latest market trends. Our commitment to our clients is to continue to deliver timely insights on this developing narrative and its impact on the global economy. Read the latest.

Join us for this event

Date: Wednesday, March 15, 2023

Time: 12:00 p.m. ET

Elyse Ausenbaugh

Global Investment Strategist, J.P. Morgan Wealth Management

Jeanne Sun

Head of Investments & Advice for Digital Wealth, J.P. Morgan Wealth Management

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RJ Hamster's Retail/Consumer Blogs and Posts

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The SVB Crisis

In this Issue: the SVB Crisis and Links to Resources • Access Hour for Members • Keynote Announced

Angel University Starts Soon! • IFS Almost Sold Out, Get Connected Now! • Award Nominations Due

Silicon Valley Bank Crisis Continues to Unfold, Updates Rolled out from the Federal Reserve, Treasury and FDIC

Monday, March 13, 2023 – The near-term crisis has largely been averted with the Federal Reserve, Treasury and FDIC regulators announcing that depositors regained access to 100% of their money starting Monday and that no losses will be borne by the taxpayer. The move should restore confidence and keep startups solvent and their employees employed, but there likely will be some longer-lasting psychological effects relating to capital risk that we should all be on the lookout for.

As the situation is analyzed, lessons will be learned on everything from levered banking investment models and the impact of interest rate fluctuations on long term bonds to the allocation to cyrptocurrency investments. We’ll continue to support our members and their portfolio companies by discussing and breaking down that information via our articles, webinars and at Summit 2023.

While a run on a bank by current depositors can clearly accelerate negative trends, we must also be mindful of the responsible support of the startup ecosystem that can and should come from venture capitalists, angels and other stakeholders. As they have proved time and time again, angels have embraced portfolio companies even in times of tougher fundraising and worked vigorously to keep startups, and job growth, moving forward. Look for future analysis of these points as more information becomes available.

At ACA, we commend the VC’s and angels that have rallied around their entrepreneurs to repurpose lessons learned from the 2008/2009 recession. One positive response can be seen in the more than 300 venture capital firms that have signed a letter saying they would be willing to work with Silicon Valley Bank under new ownership provided it is appropriately capitalized.

From the U.S. House Committee on Financial Services: “Silicon Valley Bank (SVB) was closed by the California Department of Financial Protection and Innovation (DFPI), and the Federal Deposit Insurance Corporation (FDIC) was named as receiver. The FDIC also created the Deposit Insurance National Bank of Santa Clara (DINB) as a short-term vehicle to facilitate SVB’s resolution…SVB was the 16th largest bank in the U.S., and its failure is the second largest U.S. history, behind only the 2008 failure of Washington Mutual with roughly $300 billion in total assets. As of December 31, 2022, SVB had about $209 billion in total assets and about $175 billion in total deposits. Roughly $151 billion of those deposits were uninsured.”

Additionally we believe, now more than ever, it is critical that the financial thresholds for the accredited investor definition remain unchanged as ALL of our communities need access to capital, particularly those historically lacking such access. ACA will continue to follow and support the angel community and communicate as appropriate as changes occur.

These and other resources will be continually updated on our blog.

First ACA Member Access Hour a Success – Members Get Access to Information Not Found Anywhere Else!

The first of a new, quarterly member benefit, the ACA Access Hour for Members kicked off with an incredible panel of leaders and angel experts. Attendees and panelists got to dig into the knowledge of some of the country’s most successful angel investors and covered topics such as the critical need for best practice due diligence, the number of investments needed to make a portfolio strategy successful, the difference between a beginner, intermediate and advanced angel investor and the makeup of angel groups just getting started today.

What Would You Like to Discuss?

Reach out to the Membership & Marketing Committee of volunteers with ideas on topics for the next session via email.

Future Dates – Be on the Lookout to Register!

June 1, 2023
September 14, 2023
November 9, 2023

Summit of Angel Investing Keynote Speaker Announced: Dr. David Bach

David Bach, MD, is a Harvard-trained neuroscientist and Founder and CEO of Optios, a San Diego-based NeuroPerformance company that works with the world’s most elite performers – including professional athletes and hedge fund managers – using cutting-edge neuroscience to dramatically enhance their cognitive performance.

Prior to founding Optios, he was a serial entrepreneur, venture capitalist, management consultant, scientist, physician, martial artist, and professional cellist. As an entrepreneur, David founded and built three prior companies: Touchstone Health, Empyrean Benefit Solutions and Leprechaun HCC Management. Each of these became a $200M+ enterprise. His venture capital experience was with TA Associates in Boston.

Agenda:

Whether you are a new or experienced investor, angel group leader or part of the broader community supporting entrepreneurs and early stage investments, you’ll learn the latest on trending topics and meet new people, all to help improve your outcomes.

Affordable Accommodations:

May 14 – 17, 2023, Planet Hollywood ACA Summit room rate: $49.
Book your room before the rates go up on April 24, 2023.

Registration:

If you’re in an angel group, gather your friends and register five or more members to receive a group discount of $100 per registration!

Whether You’re a seasoned angel or new to the entrepreneurial ecosystem, get the most-up-to-date education and tap into the expertise of the Angel University educators class leaders in real time.

Angel Investing Basics:

Fundamentals of Angel Investing – March 28
Risks in Angel Investing – April 4
Angel Returns and Portfolio Strategy – April 11
Due Diligence Course – April 18
Term Sheet Basics – April 25
Valuation Course – May 2

Angel Investing Deeper Dive:

Startup Boards Course – May 4
Advanced Course on Capitalization Tables – May 9
Angel Exit Strategies – May 11

3 Ways to Strengthen Your Growth Potential in Economic Uncertainty

An uncertain economy doesn’t mean decision-making has to stall. Connecting with peers, building community trust, and nurturing employees are three steps your startup can take to nurture growth and weather potential storms.

Read the full article online.

Time is Running Out for Nominations : Luis Villalobos Award and the Hans Severiens Award 2023

The Hans Severiens Award: recognizing an individual’s or team of individuals’ work in advancing the field of angel investing, named after the founder of the Band of Angels. The Hans Severiens Award is presented annually to recognize an individual or team of individuals’ work in advancing the field of angel investing.

The Luis Villalobos Award: recognizes the most ingenious and innovative ideas recently financed by members of the Angel Capital Association. Two category winners will be selected to attend the ACA Summit and honored live and throughout the event. The award is presented to the winning CEOs during the annual awards ceremony at the 2023 ACA Summit (May 16-18, 2023).

Go online to learn more about the incredible work of Luis Villalobos and Hans Severiens or for information and forms on how to nominate your portfolio company or angel leader. If you have further questions, please reach out to Membership Director, Sarah Dickey.

ACA’s Innovation Funders Showcase (IFS) is like no other. This is not your traditional pitch event. The ACA community represents the most comprehensive investment segment of the early stage asset class with 250 Angel Groups representing more than 15,000 accredited investors. In a typical ACA Summit, investor representation exceeds 50% of our total group population.

This means that investors are in attendance not only to make personal investment decisions, but also to bring the next hot commodity back to their home angel group for further investment consideration. We regularly see groups that received IFS exposure still getting screening invites from ACA member groups 12+ months after their initial pitch. ACA offers an incredibly efficient and economical path to capital that can pay dividends for months following the presentation.

Please reach out to Partnerships Director Damien Delgado to get started!

Contribute to the Angel Investor Foundation While Getting Your Portfolio Companies in Front of Angels

On May 17, 2023, the Angel Investor Foundation will be hosting our first silent auction at the ACA Summit of Angel Investing, benefiting AIF programming, in addition to the Hold ‘Em or Fold ‘Em Celebration hosted by Rick Timmins. All funds raised at this special event will go to our Foundation, having a direct impact on tomorrow’s leading innovations, products, and services.

Please support our efforts in one of two ways:

Contribute an item for our silent auction
Sponsor a carefully curated gift basket for $50

Your generosity will be featured on event programming, on our event registration site, and on social media. Gifts are tax deductible to the full extent of the law. EIN 86-1212274. We sincerely appreciate your consideration and time. To participate, or to learn more, please email Development Director Katelynne Staehnke.

Looking Ahead: Upcoming ACA Events

Thank You to ACA Business Partners

As we enter a new calendar year, ACA would like to take this opportunity to recognize and thank all our partners for their dedication and commitment to our growing community. These partners offer myriad products and services that can aid in the investor journey be it by group or individual. We hope you will take the opportunity to consider all the possibilities and engage directly with those partners who provide solutions that align with your needs.

If you’re interested in sponsoring ACA annually or for the Summit of Angel Investing, please reach out to Partnerships Director Damien Delgado.

Connect with ACA

RJ Hamster's Retail/Consumer Blogs and Posts

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Treasuries: “Risk Free” or “Risk Unlimited”?

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Money Metals News Alert

March 13, 2023 – Bank regulators closed Silicon Valley Bank on Friday, snapping precious metals markets out of their recent malaise. Gold and silver prices rose on a buying surge in the futures markets.

Meanwhile, demand for physical bullion essentially tripled overnight and through the weekend.

Uncertainty is the watchword going into this week’s trading. Investors are wondering if the failure of SVB and Signature Bank can be contained, or if other banks will follow them into oblivion. There are questions about what will happen to depositors.

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The lessons of the Lehman Brothers collapse prompted Fed officials to unveil a rescue program last night that they hope will prevent contagion.

	Friday’s Close (Weekly Gain/Loss)	Monday Morning (Gain/Loss from Friday’s Close)
*Gold*	$1,889 (+1.3%)	$1,912 (+1.2%)
*Silver*	$20.88 (-2.8%)	$21.75 (+4.2%)
*Platinum*	$979 (-1.4%)	$1,011 (+3.3%)
*Palladium*	$1,446 (-3.7%)	$1,462 (+1.1%)

Gold : Silver Ratio (as of Friday’s closing prices) – 90.5 to 1

Treasuries: “Risk Free” or “Risk Unlimited”?

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The high-profile collapse of Silicon Valley Bank last week is a story about bad debt, just not in the way most people think.

Bank executives didn’t issue too many loans to poor quality borrowers. They made what they believed to be conservative investments in the safest of all assets. The bad debt turned out to be U.S. Treasuries – an asset class they assumed to be “risk free.”

This assumption was reinforced by regulatory requirements which artificially incentivize bankers to hold U.S. Treasuries as a tier one asset and bulletproof collateral.

Today they are questioning the conventional wisdom about the risks of holding U.S. debt. So are investors and finance executives everywhere.

Rising interest rates led to catastrophic losses in SVB’s portfolio of Treasury debt and mortgage backed securities. The losses created a capital shortfall and spawned a good old fashioned bank run. Regulators stepped in and closed the bank Friday.

The trouble is that SVB is not alone. Virtually every bank in the western hemisphere is holding the same debt to a greater or lesser degree, for the same reasons. Until this moment, few outside the community of goldbugs really bothered to reassess whether Treasuries are still risk free.

What does the “full faith and credit of the United States” actually mean these days?

Government backing was a powerful guarantee when America was on the ascension. Unfortunately, somewhere along the line, Congress began perpetual deficit spending and Federal Reserve bankers went nuts, launching Zero Interest Rate Policy, monetizing Treasury debt and inventing other reckless monetary expansions.

The guarantee means a lot less now.

It isn’t just banks getting a wakeup call. Insurance companies and pension funds are also stuffed with risky Treasury debt.

So are State reserve accounts, their so-called rainy-day funds. State laws nearly everywhere prevent officials from investing in alternative assets, such as physical bullion. The losses in these funds are now piling up.

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For some financial institutions, like SVB, it is already too late to recover. Others still have the chance to adapt, but it will require them to abandon conventional thinking.

Investors must learn to operate in this era of declining confidence. Assets fit loosely into three risk categories when return of capital becomes more important than return on capital.

Some assets are pure paper – backed by nothing but confidence. This list includes U.S. Treasuries and the U.S. dollar.

The collapse of SVB is a byproduct of the artificial bull market in government debt fueled by central bank buying.

In a rising inflation and rising interest rate environment, not only can bonds underperform, they could become worthless if trust is lost.

Treasuries only recently broke downward out of a 40-year bull market, and the full faith and credit of the U.S. isn’t worth much these days.]

The next category of assets are derivative instruments which offer some claim against an underlying asset. Stock options in publicly traded companies, ETFs, and futures contracts are examples.

The trouble with many of these paper assets is they also derive much of their value from confidence. Counterparty risk and leverage mean there may be nothing left backing the paper one holds if things go wrong.

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Tangible assets owned directly, not in derivative form, carry no counterparty risk. They include real estate, precious metals, and other goods such as diamonds or fine art.

Real estate carries the potential for loss because central bankers have spent decades keeping mortgage rates artificially low, thereby blowing a bubble in prices.

No asset is “risk free.” That is a marketing term coined by Wall Street bankers and bureaucrats to peddle debt backed by the “full faith and credit” of our now hopelessly insolvent Uncle Sam.

Today the closest an investor can get to risk free is an investment in tangible assets which offer zero risk of going to zero and no counterparty risk.

Interestingly, one of these assets – physical gold – was designated as a tier one asset alongside US Treasuries several years ago. Unfortunately, bankers and other finance executives took pretty much no action to diversify their balance sheets into gold.

Perhaps those who survive the carnage now begun by SVB’s collapse will finally get around to buying some metal.

This week’s Market Update was authored by Money Metals Director Clint Siegner.

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Category: RJ Hamster’s Retail/Consumer Blogs and Posts

Want to understand what’s next in markets?

Elyse Ausenbaugh

Jeanne Sun

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The SVB Crisis

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Are your bank deposits safe?

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Team Spotlight: Meet Pat 💖

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Treasuries: “Risk Free” or “Risk Unlimited”?

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Elyse Ausenbaugh

Jeanne Sun

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