FDIC insurance covers depositors' accounts at each insured bank, dollar-for-dollar, including principal and any accrued interest through the date of the insured bank's closing, up to the insurance limit.
FDIC insurance covers depositors' accounts at each insured bank, dollar-for-dollar, including principal and any accrued interest through the date of the insured bank's closing, up to the insurance limit. 金银岛 发表于 2023-05-07 13:10
我记得是说破产到赔付期间的利息损失。查了一下，FDIC应该在几天内就赔付，但没有规定具体几天。 “Unfortunately, the FDIC has a reputation for 'not paying' clients, but this is a myth that stems from what federal law states. More specifically, federal law determines that the FDIC has to pay 'as soon as possible.' Consequently, although the organization often starts making payments a few days after the issue occurs, this might not be necessarily true all the time.”
我记得是说破产到赔付期间的利息损失。查了一下，FDIC应该在几天内就赔付，但没有规定具体几天。 “Unfortunately, the FDIC has a reputation for 'not paying' clients, but this is a myth that stems from what federal law states. More specifically, federal law determines that the FDIC has to pay 'as soon as possible.' Consequently, although the organization often starts making payments a few days after the issue occurs, this might not be necessarily true all the time.” d682la 发表于 2023-05-07 13:35
Fidelity，
1）Money Market，利息高，但是都没有FDIC
2）IRA账户，和HSA账户，可以选FDIC的Core Position，但利息会低，但有保护
3）交易账户，没有FDIC的Core Position，这个选项
4）但可以另开一个Cash Management Account，里面的Cash有FDIC保护，利息2.47%
1）Premium Saving Account，里面的Cash 有FDIC保护，利息3.8%好像？
2）交易账户没有FDIC保护
1）401K账户，Cash好像是Stable Fund，是Money Market Fund，没有FDIC保护
2）Brokerage Linker账户，Cash也没有FDIC Core Postion的选项，所以也没有FDIC保护
所以要适当买入股票比较好吗？
Cash的SIPC有用吗？
SIPC是管破产的，MMF破了$1，SPIC不管
money market 破1就像是股票跌了，不管的，这是投资风险。但是这种情况很少发生。
mark
历史上Money Market跌破一元只有一次，银行破产的概率比这大多了。FDIC也只是保本金，利息部分是不保的。相比之下，我认为SIPC保险比FDIC更靠谱，至少最高本金保额就高了一倍。
对退休的，钱放哪里安全是个重要问题。
比如2年赚了9%，$1变成了$1.09
然后MMF贬值10%，$1.09变成了$0.98，等于交了2%的税
如果是交易账户，$1变成了$1.06
然后MMF贬值10%，$1.09变成了$0.954，等于交了4.6%的税
这个能接受吧？
所以就随它去了
关键是不要做金钱的奴隶
该花的钱毫不犹豫的花出去
https://www.investopedia.com/articles/economics/09/money-market-reserve-fund-meltdown.asp#:~:text=Under%20the%20Temporary%20Guarantee%20Program,remain%20at%20%241%20per%20share.
FDIC insurance covers depositors' accounts at each insured bank, dollar-for-dollar, including principal and any accrued interest through the date of the insured bank's closing, up to the insurance limit.
保的叫MMA，由银行提供。不保的叫MMF，是mutual fund的一种。
求问一下这个保本金。现在大部分账号应该是每月结算一次利息吧？假如我1月1号存了10k，1月31号给结算了40块利息，二月的某天银行破产了，FDIC会赔我10k还是10k+40？
忘记了在哪里看到不保利息这一说，多谢指正！
按金银岛的引用的解释是10K+40, 但是破产后的到FDIC赔付期间的利息应该是没有了。
哈，也许说的是存了25万刀的情形，所以为了防止利息不被保，得略少存些，比如存24万刀就没这问题了。
makes sense. Thanks!
我记得是说破产到赔付期间的利息损失。查了一下，FDIC应该在几天内就赔付，但没有规定具体几天。
“Unfortunately, the FDIC has a reputation for 'not paying' clients, but this is a myth that stems from what federal law states.
More specifically, federal law determines that the FDIC has to pay 'as soon as possible.' Consequently, although the organization often starts making payments a few days after the issue occurs, this might not be necessarily true all the time.”
哦，破产以后就不产生新的利息了。
应该不会。这些大券商倒了肯定会救的。你的钱会以贬值的形式损失，但是不会以损失数字的形式损失。