Fido has more additional insurance than Schwab. Fido gives EACH account's coverage while Schwab only gives a lum sum for ALL accounts at Schwab (everyone's not just yours.) There is no way to know how much each account's additional insurance amount is at Schwab.
All the above information is readily available at each brokerage's site.
schwab,fidelity,等等。每个我想不应该超过25万（保险金额限制）又没高手已经考虑好每个账户防多少？投资方便与否（太分散炒股麻烦）及这么做得失？
为了分散风险，需不需要在几个不同的券商那里开账户？ - 博客 | 文学城 (wenxuecity.com)
Fido has more additional insurance than Schwab. Fido gives EACH account's coverage while Schwab only gives a lum sum for ALL accounts at Schwab (everyone's not just yours.) There is no way to know how much each account's additional insurance amount is at Schwab.
All the above information is readily available at each brokerage's site.
现金应该在broker 那里。他破产了是按级别优先给债主还钱。储户，员工工资都是最高级别的。陪不出，再是保险赔。另外broker也会把你的股票等抵押来赚钱，最后亏了钱，抵押的东西也不能拿回来。这个要对broker 内部抄作了解的才会知道。
都放在一个账户里应该不安全的。但是这种大事件，应该不太会发生。比如fidelity到了，如果不是系统性问题，政府会全赔的。
你账户上的股票，ETF都是数字显示，没出事都好，一出事很可能那些数字早就都抵押出去了。最后按SIPC50万每个账户赔钱。如果你买的securities 都在的话，SIPC也不用保了。book keeper 不一定真的是keeper.
SIPC insurance covers investors for up to $500,000 in securities and up to $250,000 in cash.