你展开讲讲吧 哪些常见的账户有FDIC保，哪些没有 Question： what kind of accounts are protected by fdic insurance ChatGPT : FDIC insurance protects deposit accounts in participating banks, including: Checking accounts Savings accounts Money market deposit accounts Certificates of deposit (CDs) IRA and Keogh retirement accounts FDIC insurance does not cover other financial products such as stocks, bonds, mutual funds, life insurance policies, or annuities. Question： what kind of accounts are not protected by fdic insurance ChatGPT : FDIC insurance does not cover all types of accounts or financial products. Here are some examples of accounts that are not protected by FDIC insurance: Stocks, bonds, and other securities Mutual funds Life insurance policies Annuities Safe deposit boxes or their contents Treasury securities, such as U.S. savings bonds Virtual currencies, such as Bitcoin Foreign currency deposits
From ChatGPT Is 401k in Fidelity protected by FDIC? No, a 401(k) account with Fidelity is not protected by the Federal Deposit Insurance Corporation (FDIC). The FDIC insures deposits in banks and savings institutions up to a certain amount, typically $250,000 per depositor per insured bank. 401(k) accounts, on the other hand, are retirement accounts that are typically invested in stocks, bonds, and other securities. While Fidelity is a registered broker-dealer and is regulated by the Securities and Exchange Commission (SEC) and the Financial Industry Regulatory Authority (FINRA), investments in a 401(k) account are not FDIC-insured. It's important to note that while 401(k) accounts are not FDIC-insured, they are often protected under the Employee Retirement Income Security Act (ERISA), which sets standards for retirement plans offered by private employers. Additionally, Fidelity may offer additional protections for its customers, such as insurance coverage for fraud or unauthorized account access. ---------- What protection coverage could my 401k account in Fidelity have？ As a financial services firm, Fidelity provides various types of protection coverage for its customers. However, it's important to note that the protections offered by Fidelity may vary depending on the specific circumstances and the type of account you have with them. Here are some examples of protection coverage that Fidelity may offer for your 401(k) account: Protection from fraud and unauthorized account access: Fidelity offers a range of security measures to help protect your account from unauthorized access, such as two-factor authentication and fraud alerts. If your account is compromised due to fraud, Fidelity may offer reimbursement for any losses incurred. Protection against investment losses: While 401(k) accounts are not FDIC-insured, Fidelity offers investment protection through the Securities Investor Protection Corporation (SIPC). The SIPC protects securities customers of its members up to $500,000, including up to $250,000 for cash claims. Protection for fiduciary breaches: Fidelity is a fiduciary for some of its retirement plans, which means it has a legal obligation to act in the best interests of its customers. If Fidelity breaches its fiduciary duty and causes losses to your account, you may have legal recourse to recover those losses. Protection for plan administration errors: If Fidelity makes an error in administering your retirement plan that causes losses to your account, it may be liable for those losses. It's important to review the terms and conditions of your 401(k) account with Fidelity and to contact them directly if you have any questions about the specific protections offered for your account. --------- what can SIPC do to protect my 401k in Fidelity? The Securities Investor Protection Corporation (SIPC) provides protection to investors in the event that a broker-dealer, like Fidelity, goes bankrupt or becomes insolvent. However, it's important to understand that SIPC protection is limited in scope and does not provide the same level of coverage as FDIC insurance for bank deposits. In the case of a broker-dealer's failure, SIPC protection may cover the following for your 401(k) account with Fidelity: Recovery of securities: SIPC may help recover securities, such as stocks and bonds, that were held in your account with the failed broker-dealer. This includes securities that were purchased but not yet delivered to your account. Recovery of cash: SIPC may cover cash and cash equivalents held in your account, up to a maximum of $250,000 per account, including up to $50,000 in cash. It's important to note that SIPC protection does not cover losses due to changes in the market value of your investments or losses due to poor investment choices made by you or your broker. SIPC also does not cover losses resulting from fraud or theft by third parties, or losses due to general market declines. If Fidelity were to fail and you believe you are entitled to SIPC protection, you should contact SIPC directly to file a claim. SIPC will work to investigate and resolve the claim and may provide compensation if appropriate.
cash 可以。 Fidelity is not a bank and brokerage accounts are not FDIC-insured, but uninvested cash balances are eligible for FDIC insurance. Balances above $3 million may be placed in a non-FDIC insured money market fund, which earns a different rate. See details in Learn more section below. https://www.fidelity.com/cash-management/fidelity-cash-management-account/overview#:~:text=Fidelity%20is%20not%20a%20bank,in%20Learn%20more%20section%20below. -- cd, money market，401K，只要 in the brokage account, is coved by SPIC, up to $500,000 in securities, including a $250,000 limit for cash held in a brokerage account. What Fidelity accounts are covered? All Fidelity brokerage accounts are covered by SIPC. This includes money market funds held in a brokerage account since they are considered securities. Learn more about SIPC coverage at www.sipc.org Opens in a new window https://www.fidelity.com/why-fidelity/safeguarding-your-accounts --- FDIC v.s. SPIC https://www.schwabmoneywise.com/essentials/understanding-fdic-and-sipc-insurance .
What is SIPC? The Securities Investor Protection Corporation (SIPC) is a nonprofit organization that protects stocks, bonds, and other securities in case a brokerage firm goes bankrupt and assets are missing. The SIPC will cover up to $500,000 in securities, including a $250,000 limit for cash held in a brokerage account. What Fidelity accounts are covered? All Fidelity brokerage accounts are covered by SIPC. This includes money market funds held in a brokerage account since they are considered securities. Learn more about SIPC coverage at www.sipc.org Opens in a new window .
🔥 最新回帖
Fidelity 有没有事，并不是因为 size 而定。要看它的fund 有多少exposure 在利率低的美债上。并且 Fidelity没事并不意味着通过 Fidelity买的 fund没事。重点并不在于某某银行有没有事，而是从中学习一些金融知识，不要做文盲。
让人震惊的是，SVB 这样老实投资债券的也会一夜爆雷。
当然。任何时候都是。
08年美国政府连AIG都保了，怎么可能让fidelity倒啊。
你的贷款会被卖掉，你接着把贷款还给新买主
🛋️ 沙发板凳
你的意思是如果Fidelity倒闭，Fidelity 401K里如果是stock 的fund没问题，money market的fund就没了？谢谢。
你展开讲讲吧
哪些常见的账户有FDIC保，哪些没有
Question： what kind of accounts are protected by fdic insurance
ChatGPT : FDIC insurance protects deposit accounts in participating banks, including: Checking accounts Savings accounts Money market deposit accounts Certificates of deposit (CDs) IRA and Keogh retirement accounts FDIC insurance does not cover other financial products such as stocks, bonds, mutual funds, life insurance policies, or annuities.
Question： what kind of accounts are not protected by fdic insurance ChatGPT : FDIC insurance does not cover all types of accounts or financial products. Here are some examples of accounts that are not protected by FDIC insurance: Stocks, bonds, and other securities Mutual funds Life insurance policies Annuities Safe deposit boxes or their contents Treasury securities, such as U.S. savings bonds Virtual currencies, such as Bitcoin Foreign currency deposits
如果fidelity，ml都倒了，401k也就剩个渣了😂。 实在焦虑的就大的broker firm spread一下
那意思是超出50w的部分拿不回来了？
是呵. 大家开帐户都不看说明吗. 其它地方都是一样. Fidelity 也不比别的地方差. cash management 的现钱都是FDIC.
我遇到过两次： wamu 被chase 接手；一家不知名小行被一家中等银行接手。一次几乎seamlessc 另一次大概过了一两个礼拜拿到新的账号.
据说贷款会卖给其他银行，所以你还是要付的
雷曼倒闭前大家也是这么说
楼主分析的有道理
太糟心了。 买股票分分钟亏。难得加息以为能躺着拿利息，如果破产连跌成厕纸饿了的股票都不如。
就是啊。那些大公司小公司也得存钱。他们的cash都没了还不股票破产… 大家都没cash了，还有什么韭菜去接盘买股票。
你这是他借出去的钱，可能把你的债卖掉。。但你又没破产，就得继续还呗
雷曼和fidelity是一个性质一个级别的吗？美国人多少养老金在fidelity里面
你根本没看懂楼主在说什么
雷曼是投行，消费者银行跟投资银行其实很不一样吧
Is 401k in Fidelity protected by FDIC?
No, a 401(k) account with Fidelity is not protected by the Federal Deposit Insurance Corporation (FDIC). The FDIC insures deposits in banks and savings institutions up to a certain amount, typically $250,000 per depositor per insured bank.
401(k) accounts, on the other hand, are retirement accounts that are typically invested in stocks, bonds, and other securities. While Fidelity is a registered broker-dealer and is regulated by the Securities and Exchange Commission (SEC) and the Financial Industry Regulatory Authority (FINRA), investments in a 401(k) account are not FDIC-insured.
It's important to note that while 401(k) accounts are not FDIC-insured, they are often protected under the Employee Retirement Income Security Act (ERISA), which sets standards for retirement plans offered by private employers. Additionally, Fidelity may offer additional protections for its customers, such as insurance coverage for fraud or unauthorized account access.
---------- What protection coverage could my 401k account in Fidelity have？
As a financial services firm, Fidelity provides various types of protection coverage for its customers. However, it's important to note that the protections offered by Fidelity may vary depending on the specific circumstances and the type of account you have with them.
Here are some examples of protection coverage that Fidelity may offer for your 401(k) account: Protection from fraud and unauthorized account access: Fidelity offers a range of security measures to help protect your account from unauthorized access, such as two-factor authentication and fraud alerts. If your account is compromised due to fraud, Fidelity may offer reimbursement for any losses incurred. Protection against investment losses: While 401(k) accounts are not FDIC-insured, Fidelity offers investment protection through the Securities Investor Protection Corporation (SIPC). The SIPC protects securities customers of its members up to $500,000, including up to $250,000 for cash claims. Protection for fiduciary breaches: Fidelity is a fiduciary for some of its retirement plans, which means it has a legal obligation to act in the best interests of its customers. If Fidelity breaches its fiduciary duty and causes losses to your account, you may have legal recourse to recover those losses. Protection for plan administration errors: If Fidelity makes an error in administering your retirement plan that causes losses to your account, it may be liable for those losses.
It's important to review the terms and conditions of your 401(k) account with Fidelity and to contact them directly if you have any questions about the specific protections offered for your account.
--------- what can SIPC do to protect my 401k in Fidelity?
The Securities Investor Protection Corporation (SIPC) provides protection to investors in the event that a broker-dealer, like Fidelity, goes bankrupt or becomes insolvent. However, it's important to understand that SIPC protection is limited in scope and does not provide the same level of coverage as FDIC insurance for bank deposits.
In the case of a broker-dealer's failure, SIPC protection may cover the following for your 401(k) account with Fidelity: Recovery of securities: SIPC may help recover securities, such as stocks and bonds, that were held in your account with the failed broker-dealer. This includes securities that were purchased but not yet delivered to your account. Recovery of cash: SIPC may cover cash and cash equivalents held in your account, up to a maximum of $250,000 per account, including up to $50,000 in cash.
It's important to note that SIPC protection does not cover losses due to changes in the market value of your investments or losses due to poor investment choices made by you or your broker. SIPC also does not cover losses resulting from fraud or theft by third parties, or losses due to general market declines.
If Fidelity were to fail and you believe you are entitled to SIPC protection, you should contact SIPC directly to file a claim. SIPC will work to investigate and resolve the claim and may provide compensation if appropriate.
我是肯定要付，就是想问，比如我当时跟wells Fargo锁定的5%利率，等wells fargo破产的时候，市场利率已经变成10%，就是打个比方啊，那么会发生什么
它的market fund 很多是联邦债券，政府不default 还是有价值的
你自己不懂就别在这里制造恐慌了。你恐慌自己恐慌去
没准儿有任务
打包卖掉原来利率多少应该不变的
这楼说的也明显不对
好奇能怎么干翻？换个总统就算干翻吗
要制度的改变才能算干翻
如果连fidelity都到了，FDIC的钱早就不够赔了
确实 好几个开贴的满嘴跑火车的制造恐慌
友情提示：
硅谷银行是美国排行第15 说大不大说小也不小 关键是据说不少硅谷startup 用它， 这是雪上加霜
cash 可以。
Fidelity is not a bank and brokerage accounts are not FDIC-insured, but uninvested cash balances are eligible for FDIC insurance. Balances above $3 million may be placed in a non-FDIC insured money market fund, which earns a different rate. See details in Learn more section below.
https://www.fidelity.com/cash-management/fidelity-cash-management-account/overview#:~:text=Fidelity%20is%20not%20a%20bank,in%20Learn%20more%20section%20below.
-- cd, money market，401K，只要 in the brokage account, is coved by SPIC, up to $500,000 in securities, including a $250,000 limit for cash held in a brokerage account.
What Fidelity accounts are covered? All Fidelity brokerage accounts are covered by SIPC. This includes money market funds held in a brokerage account since they are considered securities. Learn more about SIPC coverage at www.sipc.org Opens in a new window
https://www.fidelity.com/why-fidelity/safeguarding-your-accounts
--- FDIC v.s. SPIC https://www.schwabmoneywise.com/essentials/understanding-fdic-and-sipc-insurance .
赞，钱没用了的说法！
这个自称搞金融的楼主，竟然没搞清雷曼是投行，fidelity不是投行的区别
大概要跑步进入社会主义吧🤣
Money market might break a buck but it is inconceivable that it goes straight down to zero.
You still owe 200k.
你对美国社会有宗教般的信心
我还把401k都转到他家了，便于管理。要大的broker firm spread吗，真是太麻烦了。
不会Search 看不懂英文的当我没说
这种都是打包给其他银行接收吧 反正贷款肯定不会免了
疯狂是灭亡的前奏
啊!!!买了CD 钱拿不回来了嘛
我现在担心的是，要是fidelity家都能倒，其他小银行还能屹立不倒么？买了小银行cd的也在瑟瑟发抖中
加速付清按揭
其他的都不是你我能左右的，不要空想
房子大概率是liablities不是assets.
扯犊子，CD也是FDIC 保险的
他在胡说八道，fidelity自己又不发行CD，它卖的CD都是有fdic保险的银行发行的CD，这些brokered CD是有发行CD的银行的fdic保险的。
这个金融妹是什么职业啊?怎么听着这么不专业
估计就跟总问买国债安不安全一样
同意这个，翻了半天才看到这个回复
是Broker吧
这个解释虽然好，但是金融界为了利益被Fraud也挺有可能吧，不觉得Svb是笨倒台了
会间接影响job market吗？
不破产也可以把你的贷款卖给别人，你继续还贷款
这波冲击的是那些拿 deposit 去买美债的，也就是传统上安全的银行。应该好好读一下 SVB 如何爆的。这事山姆应该负责。
没听明白，美国政府又没有拒付到期的国债，买国债的银行怎么会被冲击？
因为散户要把钱提出来去买利率更高的美债呀。银行只能把旧的美债卖掉，造成亏损。参见 SVB
嗯，有道理
同意这个观点。Fidelity是老牌，多少old money，公司和个人退休账户在里面管理着。如果真的有事，政府也会接手负责到底的。人家elite阶层都没慌，我们这些小鱼小虾慌啥呢
问题是大爷付不出贷款，一样被赶出房。
我不同意。等人救不如自救。反正我是把现金，C D 全取出买了美债。现在最危险的似乎是 money market, CD 等过去的保险投资。
别的银行，那是别的银行的事 ，但同样的问题存在。
97.5% start up，还是很vulnerable的
配置如下：
FULTON BANK: ＜10万CD.
TRUIST BANK: ＜5万CD
CITIZENS BANK:＜8万CD.
还有些个小的CD.
总之：
1. 都是FDIC CD, 很少很少Money Market;
2. 每种CD都不到十万。
请教是否100％安全？
谢谢。
至于不是401k的其它资产没问，不是我关心的问题。