这就是把钱放在fidelity这样的经纪公司的一个优点，不需要把钱分成25万一份一份存入不同银行了 https://www.fidelity.com/viewpoints/personal-finance/do-you-really-need-a-bank FDIC insurance. Bank accounts are FDIC insured up to $250,000. But at some brokerage firms (Fidelity included), it is now possible to have uninvested cash balances swept to multiple banks, making those balances eligible for up to $1.25 million of FDIC insurance coverage. "If you wanted to do that directly at a bank, you''d have to set up differently titled accounts or have your funds literally placed in different banks," says Lind. The Fidelity® Cash Management Account''s uninvested cash balance is swept to one or more program banks where it earns a variable rate of interest and is eligible for FDIC insurance. At a minimum, there are five banks available to accept these deposits, making customers eligible for up to $1,250,000 of FDIC insurance. If the number of available banks changes, or you elect not to use, and/or have existing assets at, one or more of the available banks, the actual amount could be higher or lower. All assets of the account holder at the depository institution will generally be counted toward the aggregate limit.
这就是把钱放在fidelity这样的经纪公司的一个优点，不需要把钱分成25万一份一份存入不同银行了 https://www.fidelity.com/viewpoints/personal-finance/do-you-really-need-a-bank FDIC insurance. Bank accounts are FDIC insured up to $250,000. But at some brokerage firms (Fidelity included), it is now possible to have uninvested cash balances swept to multiple banks, making those balances eligible for up to $1.25 million of FDIC insurance coverage. "If you wanted to do that directly at a bank, you''d have to set up differently titled accounts or have your funds literally placed in different banks," says Lind. The Fidelity® Cash Management Account''s uninvested cash balance is swept to one or more program banks where it earns a variable rate of interest and is eligible for FDIC insurance. At a minimum, there are five banks available to accept these deposits, making customers eligible for up to $1,250,000 of FDIC insurance. If the number of available banks changes, or you elect not to use, and/or have existing assets at, one or more of the available banks, the actual amount could be higher or lower. All assets of the account holder at the depository institution will generally be counted toward the aggregate limit. 金银岛 发表于 2022-12-11 16:24
但这个利率比较低，2%不到。Brokerage 帐号的 core position 不受fdic 保护，但买CD是fdic 保护的。
要是资产不少，都放在一家投资机构，万一这家机构倒闭，每个类别多于25万岂不不赔了？
是不是要分散几家？比如fidelity 401k 满了25万应该用别家的？
FDIC保的应该是银行账户，fidelity 401k不属于此列，有另外保险
碧玲奶儿有人家的保险道儿，可能赔的时候是第一波的，跟韭菜能一样么？
而且碧玲奶儿消息灵通，出事的时候人家早就安全着陆了
401k 也保的，保的是里头的cash, CD 啥的
https://www.fidelity.com/viewpoints/personal-finance/do-you-really-need-a-bank
FDIC insurance. Bank accounts are FDIC insured up to $250,000. But at some brokerage firms (Fidelity included), it is now possible to have uninvested cash balances swept to multiple banks, making those balances eligible for up to $1.25 million of FDIC insurance coverage. "If you wanted to do that directly at a bank, you''d have to set up differently titled accounts or have your funds literally placed in different banks," says Lind.
The Fidelity® Cash Management Account''s uninvested cash balance is swept to one or more program banks where it earns a variable rate of interest and is eligible for FDIC insurance. At a minimum, there are five banks available to accept these deposits, making customers eligible for up to $1,250,000 of FDIC insurance. If the number of available banks changes, or you elect not to use, and/or have existing assets at, one or more of the available banks, the actual amount could be higher or lower. All assets of the account holder at the depository institution will generally be counted toward the aggregate limit.
但这个利率比较低，2%不到。Brokerage 帐号的 core position 不受fdic 保护，但买CD是fdic 保护的。
哦，查了下是1.58%, 我还以为和fidelity的brokerage account里的cash的利息一样，那里近七天平均收益是3.37%
加beneficiary 应该没用。 per person per account type.
401 K之类的保五十万，现金帐户保二十五万
反正Etrade 投资账户保一个billion。 投资跟cash 还是不一样的。cash 一般会被银行拿 去 投资了。