小心了!刚发现fidelity的SPAXX不受fdic保护

s
suhuavip
楼主 (北美华人网)
版上好多人都说fidelity的money market fund SPAXX好,利息也高。但是从它的自家风险说明书上,明确说了不受fdic的25万保护。
https://fundresearch.fidelity.com/mutual-funds/summary/31617H102
“ You could lose money by investing in the fund. Although the fund seeks to preserve the value of your investment at $1.00 per share, it cannot guarantee it will do so. An investment in the fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency.
g
guogai
这不是很正常吗,你买bond和股票哪个都不是FDIC insured
p
pstwo
知识太弱了呀。 SPAXX 受 SIPC 保护 up to 500K, 比 FDIC 还要高。 Fidelity 自己还有 1B insurance。

B
BZYDS
我担心的是本金的风险,价格低于$1。
n
nocomplaint
回复 1楼suhuavip的帖子
I only have $24 bucks in SPAXX. Should I worry?
t
teena
版上好多人都说fidelity的money market fund SPAXX好,利息也高。但是从它的自家风险说明书上,明确说了不受fdic的25万保护。
https://fundresearch.fidelity.com/mutual-funds/summary/31617H102
“ You could lose money by investing in the fund. Although the fund seeks to preserve the value of your investment at $1.00 per share, it cannot guarantee it will do so. An investment in the fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency.
suhuavip 发表于 2023-03-12 01:05

第一颗地雷出来了
爱是恒久忍耐
把钱全取出来,埋在自家后院最保险,实在不放心美国,寄回国,存在中国银行最保险
k
kriswu
第一颗地雷出来了
teena 发表于 2023-03-12 03:08

雷什么,搜以下SIPC
s
seanxyz2
Saving is subject to $250k FDIC Brokerage account is subject to $500k SIPC
l
lbff
Saving is subject to $250k FDIC Brokerage account is subject to $500k SIPC
seanxyz2 发表于 2023-03-12 09:17

这个brokerage算F其他的投资帐户吗?比如Roth IRA, 401K里的钱?算的话也不能放这个,还是得分散去其他银行才行
p
pwwq
回复 1楼suhuavip的帖子
I only have $24 bucks in SPAXX. Should I worry?
nocomplaint 发表于 2023-03-12 01:55

不用担心
我保你
c
cottonfield
回复 1楼suhuavip的帖子
fdic 是用于银行的,Fidelity和其它都用另外一个保险的好不好。
f
forgot
请问FZDXX呢,也有500k保险吗
E
Ella2023

小白问: fidelity的roth ira受保护吗? 工作交的401k受保护吗? robinhood一类的股票账户受保护吗?
a
angelina68
回复 1楼suhuavip的帖子
fdic 是用于银行的,Fidelity和其它都用另外一个保险的好不好。

cottonfield 发表于 2023-03-12 10:02

fidelity has 2 FDIC and SiPC我去年去确认一下