Brokerage account SPIC 是50万保securities （money market funds 属于securities），including 最多保25万cash。 退休账户 IRA 不是同一类型，是Separate Capacity, 自己有另外的50万保额。401k 相当于放在 trust里，fidelity只是代管，所以不会丢的。其实fidelity 还有excess of SPIC coverage，1.9M cash per customer. https://www.fidelity.com/why-fidelity/safeguarding-your-accounts 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 . Excess of SIPC In addition to SIPC protection, Fidelity provides its brokerage customers with additional "excess of SIPC" coverage. The excess coverage would only be used when SIPC coverage is exhausted. Like SIPC, excess protection does not cover investment losses in customer accounts due to market fluctuation. It also does not cover other claims for losses incurred while broker-dealers remain in business. For example, fraud claims would not be covered if the brokerage firm was still in operation. Total aggregate excess of SIPC coverage available through Fidelity''''''''s excess of SIPC policy is $1 billion. Within Fidelity''''''''s excess of SIPC coverage, there is no per customer dollar limit on coverage of securities, but there is a per customer limit of $1.9 million on coverage of cash awaiting investment. This is the maximum excess of SIPC protection currently available in the brokerage industry. Both SIPC and excess of SIPC coverage is limited to securities held in brokerage positions, including mutual funds if held in your brokerage account and securities held in book entry form. Workplace retirement accounts As a provider of recordkeeping services for workplace retirement plans, including 401(k)s and 403(b)s, Fidelity''''s services are governed by federal laws. These laws generally require retirement plan assets to be held in trust, segregated from the employer''''s or recordkeeper''''s assets. In most situations, when assets are held in trust, they are protected from creditors in the event that an employer or recordkeeper has financial problems.
一觉醒来发现这么多回帖，我仅代表美联储主席的老板向大家科普一下，正如Roney Cheng 的最著名脱口秀所说：we Chinese only love and care Money. 啰嗦两句： 大家每天搬砖八小时，够累的，一上网就这糟心事。完全是有所谓专家科普贩卖焦虑，我只用网上公开信息就打了他们的脸，缓解一下大家的心情，何乐不为？ 其实在美国换了这么多公司，发现401K多数还是在FIdelity. 流水的雇主，铁打的退休金保存管理者。我就是FID粉团，他是我儿子，她就是我的小棉袄，我老了就指望他了！ 顺便趁点流量，娱乐一下，不好吗？
信息来源： https://en.m.wikipedia.org/wiki/Fidelity_Investments Fidelity Investments ArticleTalkLanguageWatchEditFidelity Investments, commonly referred to as Fidelity, earlier as Fidelity Management & Research or FMR, is an American multinationalfinancial services corporation based in Boston, Massachusetts. The company was established in 1946 and is one of the largest asset managers in the world with $4.5 trillion in assets under management, now as of December 2021 their assets under administration amounts to $11.8 trillion.[5][6] Fidelity Investments operates a brokerage firm, manages a large family of mutual funds, provides fund distribution and investment advice, retirement services, index funds, wealth management, securities execution and clearance, asset custody, and life insurance.[7]
员工私自在社交媒体代表公司表态是要被开出的哦！
欲盖弥彰
Brokerage account SPIC 是50万保securities （money market funds 属于securities），including 最多保25万cash。 退休账户 IRA 不是同一类型，是Separate Capacity, 自己有另外的50万保额。401k 相当于放在 trust里，fidelity只是代管，所以不会丢的。其实fidelity 还有excess of SPIC coverage，1.9M cash per customer.
https://www.fidelity.com/why-fidelity/safeguarding-your-accounts
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 . Excess of SIPC In addition to SIPC protection, Fidelity provides its brokerage customers with additional "excess of SIPC" coverage. The excess coverage would only be used when SIPC coverage is exhausted. Like SIPC, excess protection does not cover investment losses in customer accounts due to market fluctuation. It also does not cover other claims for losses incurred while broker-dealers remain in business. For example, fraud claims would not be covered if the brokerage firm was still in operation. Total aggregate excess of SIPC coverage available through Fidelity''''''''s excess of SIPC policy is $1 billion. Within Fidelity''''''''s excess of SIPC coverage, there is no per customer dollar limit on coverage of securities, but there is a per customer limit of $1.9 million on coverage of cash awaiting investment. This is the maximum excess of SIPC protection currently available in the brokerage industry. Both SIPC and excess of SIPC coverage is limited to securities held in brokerage positions, including mutual funds if held in your brokerage account and securities held in book entry form.
Workplace retirement accounts As a provider of recordkeeping services for workplace retirement plans, including 401(k)s and 403(b)s, Fidelity''''s services are governed by federal laws. These laws generally require retirement plan assets to be held in trust, segregated from the employer''''s or recordkeeper''''s assets. In most situations, when assets are held in trust, they are protected from creditors in the event that an employer or recordkeeper has financial problems.
的确是。lz你最好不要在social media代表公司。
请教是否100％安全？ 谢谢。
我是相信LZ的。他家有很多散户，要是倒了，影响比那些Chase, BOA影响大。而且，他以收服务费为主，不想银行赚利息差的。放在他家的钱，很多并不是他可以利用的，除非是放在他家的Cash。
但文风很传销，因此对fidelity的fidelity减小了2%
这种属于技术问题！
笑抽
你以为是服务费，其实是利息。
我是类似行业，比如A要给B付invoice，是通过行业专有软件，但我们公司就在外面包一层数据库和网站啊，毕竟顾客不能直接访问和修改财会数据了。 A从自己的账号，经过行业软件，到达B的账号，最少需要一天，那一天的时间的利息就是我们公司的佣金。
其实金融行业，特别提供服务的，赚的就是这个时间差的利息
啥是compliance ?不太懂！客服从没说过这个！
反正我从M家跳到G家再跳到A家，都是放在Fidelity, 很方便！
联储给的 overnight rate 是 4.57%。 fidelity 给 4.2% 还赚了 0.37% 钱多，这些利息差也是很可观的。