The Silicon Valley Bank mess has demonstrated exactly why we need to invest in closed-end funds (CEFs)...: Concept of borrowing with a man who runs in front of a ball trying to escape the repayment of his ... [+] debt. The Silicon Valley Bank (SIVB VB ) mess has demonstrated exactly why we need to invest in closed-end funds (CEFs): these funds yield 8.1% on average, giving us an income stream that can get us through market volatility, like we’re seeing now.