在银行倒闭潮背景下,问一下brokerage帐户里的股票安全性问题

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hbbigbird
楼主 (北美华人网)
假如说一家银行(有brokerage业务的银行或者就是一家单纯的brokerage银行)被挤兑倒闭了,我在它家的brokerage里的股票是否像checking/savings account里的存款一样有25万额度的保护呢? 大概查了一下好像FDIC不保,但是好像有个类似的SPIC可以保。那么请问 如果SPIC可以保护一定额度,假如是25万的话,大家是否把自己的股票都分散到不同银行的brokerage account里,每个账户不超过25万的额度? 公司的RSU一般都会直接包给固定的一家brokerage account,其中还没有vest的部分会受SPIC保护吗? 假如没有vest的部分会受SPIC保护, 因为RSU没有vest的部分很容易超过保护额度,那么没有vest的RSU超过保护额度的部分在银行倒闭的情况下会怎么样?
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olivia0216
股票不会有问题,那是股权,风险是股票对应公司,比如这次几个商业银行股票就几乎归零了。里面现金会有,一般etrade fidelity都有自动转saving.可以保25万
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Grace302
学习了。
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gokgs
给你看一个 etrade 的, 应该都差不多吧估计。 stock 其实 比 cash account insurance 应该容易多了, 保的是股票记账, 又不是股票的价值, 出问题的概率应该更小。

Brokerage Protection THROUGH THE SECURITIES INVESTOR PROTECTION CORPORATION (SIPC) E*TRADE Securities LLC and Morgan Stanley Smith Barney LLC are members of SIPC. SIPC protects customer accounts up to $500,000 (including $250,000 for cash only).
Morgan Stanley (ultimate parent) also maintains additional insurance with an aggregate firmwide cap of $1 billion for securities and a $1.9 million per client limit for uninvested cash. E*TRADE Securities LLC clients and Morgan Stanley Smith Barney LLC clients are covered under the Morgan Stanley excess of SIPC supplemental insurance policy. Please be advised that you may obtain information about SIPC, including the SIPC brochure, by contacting SIPC at 201-371-8300 or by visiting www.SIPC.org. This coverage does not protect against loss of the market value of securities.
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floria11
你可以把股票当作一张纸,上面写了你拥有这个公司的xx%的份额。所以和brokerage没关系的
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hbbigbird
给你看一个 etrade 的, 应该都差不多吧估计。 stock 其实 比 cash account insurance 应该容易多了, 保的是股票记账, 又不是股票的价值, 出问题的概率应该更小。

Brokerage Protection THROUGH THE SECURITIES INVESTOR PROTECTION CORPORATION (SIPC) E*TRADE Securities LLC and Morgan Stanley Smith Barney LLC are members of SIPC. SIPC protects customer accounts up to $500,000 (including $250,000 for cash only).
Morgan Stanley (ultimate parent) also maintains additional insurance with an aggregate firmwide cap of $1 billion for securities and a $1.9 million per client limit for uninvested cash. E*TRADE Securities LLC clients and Morgan Stanley Smith Barney LLC clients are covered under the Morgan Stanley excess of SIPC supplemental insurance policy. Please be advised that you may obtain information about SIPC, including the SIPC brochure, by contacting SIPC at 201-371-8300 or by visiting www.SIPC.org. This coverage does not protect against loss of the market value of securities.
gokgs 发表于 2023-05-26 16:00

谢谢!请问既然保的是股票记账,那为什么还有50万的limit呢?它应该起的只是一个买卖的平台作用。
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gokgs
你可以把股票当作一张纸,上面写了你拥有这个公司的xx%的份额。所以和brokerage没关系的
floria11 发表于 2023-05-26 16:02

嗯, 大概如此, 不过看 robinhood 的时候, 股票交割的时候也会出问题, 具体细节不太清楚, 大的 firm 应该问题不大。