r****e
发帖数: 867 | 1 在Fidelity TD Ameritrade BoA这样的应该不会有问题，too big to fail。而且公司
破产了也不影响客户的账户，当年Lehman倒闭的时候，SIPC根本没有必要出手。Bernie
Madoff被抓之后SIPC大出血，不过那是因为账户由Madoff“交易”，里面账户都是假
的。
如果想谨慎一点，就开cash账户，不要margin，不买leverage fund，甚至不买基金。
在大公司的cash账户只持有个股和index fund/ETF，这样的账户不需要考虑500,000的
问题。 |
|
n******n
发帖数: 12088 | 2 假如我通过Fidelity brokerage account，买进100股苹果，100股谷歌。
另外我还买了Fidelity的某个MF，重仓苹果和谷歌。
然后突然Fido破产了。
那么我的股票受SIPC保护，但我的MF是白损失了。
这么看来，买MF是增加了一层风险啊。
既然如此，401k为何只允许投资MF？
另外，如果我同时买了iShare重仓苹果和谷歌的ETF，然后iShare也破产了。这时我的
ETF是否受SPIC保护？ |
|
t**********6
发帖数: 15 | 3 普通投资账户超过了$500,000怎么办，是在别的公司多开几个账户嘛，或者在同一个公
司开不同类型的账户吗（例如丈夫，妻子各开一个，外加join account）?
还有就是IRA和401K账户和普通账户，sipc的coverage也都是$500,000的limit吗，还是
会更高一些？
有一些疑惑，希望有经验的人提供任何建议！ |
|
a*****1
发帖数: 3134 | 4 More than that. SIPC covers $500K and excess SIPC covers $1.9M cash and no
limit on security.
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... 阅读全帖 |
|
m*********D
发帖数: 1727 | 5 这个是最不用担心的。真正担心的是你持有的股票的公司bankrupted. broker倒闭在美
国发生好多次了，有保险的。当然，broker误导你，让你买了不该买或不合适的金融产
品，就会比较麻烦。你买index类型的，或一般的mutual fund, broker不过是一个经手
人，真正的价值是index或mutual fund包含的公司，和broker没有关系。下面是我从网
上找了的一篇文章，希望对你有帮助：
How Safe Is Your Brokerage Account?
The demise of Bear Stearns, rumors about insolvency at Lehman Brothers and
headlines about big losses at E*Trade Financial have prompted calls from
subscribers about the safety of investment assets and what might happen if
their brokers fail.
So as we pat... 阅读全帖 |
|
B*******s
发帖数: 403 | 6
),
这应该是说ROBINHOOD完蛋了，SIPC还能保证25万证券和25万CASH，但前提
是你那25万证券的UNERLYING VALUE是25万。
如果你买了个公司的股票，那个公司破产股票清零了，不管ROBINHOOD玩不玩蛋，你也
拿不到钱。
SIPC protection is limited. SIPC only protects the custody function of the
broker dealer, which means that SIPC works to restore to customers their
securities and cash that are in their accounts when the brokerage firm
liquidation begins.
SIPC does not protect against the decline in value of your securities. SIPC
does not protect individuals who are sold worthless stocks... 阅读全帖 |
|
o********8
发帖数: 98 | 7
你后面一段从哪里copy出来的。我看到的是
Options Trades $9.95/trade
+ $1.25/contract $6.95/trade
+ $1.25/contract 30%
Buy stocks for $2 with automatic investing
Here's how it works:
Select from our list of over 7,000 stocks and ETFs
Schedule investments on a weekly, biweekly or monthly basis
Invest any dollar amount on Tuesdays exclusively online
Investment and funding instructions can be edited up to 5:00 PM ET on the
Monday before your purchase. Online trade commissions apply to all sale... 阅读全帖 |
|
m*****0
发帖数: 94 | 8 My understanding is that cash balances in brokerage accounts are covered (up
to $100k) by the SIPC, not FDIC. FDIC only covers DEPOSIT accounts at banks
. Some brokerages like E*trade have a banking division too, so your trading
account there would be covered by SIPC and your banking account (if you
opened, say, an E*trade savings account) would be covered by FDIC. Also, to
confuse things even more, some banks now offer securities, and those are
covered by SIPC, not FDIC.
The maximum SIPC cover... 阅读全帖 |
|
T*******h
发帖数: 112 | 9 All securities and investments are offered to self-directed customers by
Robinhood Financial, LLC, member FINRA (www.finra.org) & SIPC.
The SIPC serves two primary roles in the event that a broker-dealer fails.
First, the SIPC acts to organize the distribution of customer cash and
securities to investors. Second, to the extent a customer's cash and/or
securities are unavailable, the SIPC provides insurance coverage up to $500,
000 of the customer's net equity balance, including up to $250,000 in... 阅读全帖 |
|
w*********g
发帖数: 30882 | 10 中石化首进埃及市场 31亿美元收购美石油公司资产
字号:小中大2013-11-15 18:10:02
更多
25
关键字 >> 国企中石化收购埃及阿帕奇石油天然气美国油气公司沙漠国企备忘录
中国石油化工集团全资子公司国际石油勘探开发有限公司（SIPC）与美国阿帕奇石油公
司（Apache Corporation）联合宣布，中国石化收购阿帕奇公司埃及资产1/3权益正式
交易交割。
11月15日，中石化董事长傅成玉参加交割仪式
此交易是中石化2010年收购加拿大Syncrude Canada后，该公司规模最大的一笔交易。
8月30日已签协议 日产10万桶原油
此前，中国石化与阿帕奇公司已于今年8月30日宣布双方正式建立全球战略合作伙伴关
系，作为战略合作第一步，中国石化出资31亿美元收购阿帕奇公司埃及油气资产1/3权
益。
阿帕奇公司是美国独立石油公司，其埃及资产共有24个合同区块，且主要分布在西部沙
漠地区，开采及生产经营不受政治活动影响。
此次交易于2013年1月1日生效，预计未来高峰期可为中国石化增加权益产能约13万桶油
当量/天（折合年产量约650万吨当量）。通过该项收购，中国石化... 阅读全帖 |
|
b*****d
发帖数: 61690 | 11 中石化将以46.5亿美元收购康菲所持Syncrude股份
http://www.sina.com.cn 2010年04月13日 00:28 新浪财经
新浪财经讯北京时间4月13日凌晨，美国石油巨头康菲公司(ConocoPhillips)宣布
，已开始将自己在加拿大Syncrude的股份售给中石化，售价为 46.5亿美元。康菲指出
，已与中石化的子公司：中石化国际石油勘探开发有限公司(简称SIPC)达成了“最终协
议”，将把自己持有的Syncrude 9.03%的股份以46.5亿美元的价格出售，预计这一交易
将在2010年第三季度内完成，此事还需获得加拿大和中国政府的批准。
去年康菲曾表示，准备在两年内出售价值100亿美元的资产。康菲的董事长兼CEO穆
礼怀(Jim Mulva)指出：“这是我们去年10月公布的100亿美元资产剥离计划的一个重要
组成部分，SIPC认可了这一高品质资产的价值让我们感到欣慰。”康菲还称，计划在
2010年内出售100亿美元资产的约一半，剩余的将在2011年售出，出售资产的部分所得
将用于偿还债务。 |
|
o*****y
发帖数: 710 | 12 没错，我觉得这些保险都没用的，这种RISK是自己要时刻记在心里的，
即便 SIPC 有保证， SIPC 不是政府的，是 WALL STREET 自己大家出资
的所谓保险，如果出大问题，他们只有 1 BILLION 可以供给大家 CLAIM，
屁都不够的，LLOYD LONDON 是个什么东西？难道他就不能 GO UNDER 吗？
连 LEH, AIG 都倒了，这个 LLOYD LONDON 难道就不能倒？真是没有值得
完全信任的公司呀， 除了国债，呵呵 |
|
|
y**x
发帖数: 117 | 14 我主要有下面这些。看有啥问题吗？ 多谢。
Symbol Description Value %
MGFIX AMG MANAGERS BOND FD SERVICE CLASS 16%
UINCX USAA INCOME FUND ADVISER CL 12%
PIXDX PIMCO RAE FUNDAMNTAL PLUS FUND D 11%
WGROX WASATCH CORE GROWTH 9%
CORE** FDIC INSURED DEPOSIT AT US BANK IRA NOT COVERED BY SIPC 9%
ETGLX EVENTIDE GILEAD FUND CLASS N 9%
FVDFX FIDELITY VALUE DISCOVERY 6%
TGMNX TCW TOTAL RETURN BOND CLASS N 5%
AKREX AKRE FOCUS FUND RETAIL 5%
FLPSX FIDELITY LOW PRICED... 阅读全帖 |
|
r*****t
发帖数: 7278 | 15 请问超过50万的哪个比较好呢？
感觉都不保险啊，SIPC只保险到25万cash
SIPC coverage is also limited to $500,000 per customer, including up to $250
,000 for cash
对于daytrader而言，也就是25万，因为很多时候都是全cash的。 |
|
|
s******8
发帖数: 4192 | 17 IB
Customer securities accounts at Interactive Brokers LLC are protected by the
Securities Investor Protection Corporation ("SIPC") for a maximum coverage
of $500,000 (with a cash sublimit of $250,000) and under Interactive Brokers
LLC's excess SIPC policy with certain underwriters at Lloyd's of London for
up to an additional $30 million (with a cash sublimit of $900,000) subject
to an aggregate limit of $150 million. Futures and options on futures are
not covered. As with all securities firms, ... 阅读全帖 |
|
u********s
发帖数: 1047 | 18 Robinhood Financial is a member of the Financial Industry Regulatory
Authority (FINRA) and the Securities Investor Protection Corporation (SIPC),
which protects securities customers of its members up to $500,000 (
including $250,000 for claims for cash). An explanatory brochure is
available upon request or at www.sipc.org. Robinhood Financial is an SEC
Registered Broker Dealer. For more information on Robinhood Financial, you
can visit FINRA Broker Check here. |
|
|
a***k
发帖数: 563 | 20 HOUSTON, April 12, 2010 -- ConocoPhillips [NYSE:COP] announced today that it
has entered into definitive agreements with subsidiaries of Sinopec
International Petroleum Exploration and Production Company (SIPC) to sell
its 9.03 percent interest in Syncrude for $4.65 billion. The transaction is
anticipated to close in the third quarter of 2010 once Canadian and Chinese
government approvals are obtained. |
|
c*****t
发帖数: 10738 | 21 I guess you have never heard of SIPC? |
|
V*****2
发帖数: 7930 | 22 我又刚收到TIAA的一封EMAIL。这EMAIL讲的很清楚，所有的钱都被普林斯顿大学拿回去
了，包括我自己支付的部分。相信没那么容易拿回我的钱。普林斯顿大学是个老牌大学
，这么反复偷短期员工的钱，已经是老手，精通其中的法律问题，不是那么好打发的。
我只是碰碰运气，看能不能拿回我自己支付的钱，其他的压根儿不敢想。蒙了那么多人
都没事，会栽倒在我手上？相信没有这个可能。
Dear DR. xxxxx:
Good afternoon and thank you for your follow-up email.
Regrettably, I am unable to comment on the legal aspects of retirement plans
. I can only let you know that the vesting schedule generally determines
the availability of the funds in retirement plans. If funds are not vested,
they are returne... 阅读全帖 |
|
V*****2
发帖数: 7930 | 23 TIAA只有7年前的纪录，要查还得查IRS的纪录，麻烦大了。看起来还是我自己回家翻箱
倒柜更加靠谱。
Dear DR. xxxxxx:
Good afternoon and thank you for your emails with the additional information.
Dr. xxxxxx, I have submitted a request on your behalf to research the
contribution history of your Princeton University retirement plan. I asked
that if possible, the information should be sent to the address we have for
you on file. With that said, I want you to be aware that the request may
not be processed. Please allow me to explain.
We only kee... 阅读全帖 |
|
|
|
i******r
发帖数: 1175 | 26 没有了解过401K到底是啥吧？廊坊不给上岗前培训了？FDIC和SIPC听说过吗？
中国屁民没有这投资保险吧，投资跑路新闻听少了。 |
|
i******r
发帖数: 1175 | 27 廊坊的以为投资跑路像国内一样。SIPC听说过吗？花街破产一样不会对你有啥关系。 |
|
a***k
发帖数: 563 | 28 【 以下文字转载自 History 讨论区 】
发信人: abook (土人^ 胡子大), 信区: History
标 题: ConocoPhillips Agrees to Sell Syncrude Stake to Sinopec
发信站: BBS 未名空间站 (Wed Apr 14 12:13:10 2010, 美东)
HOUSTON, April 12, 2010 -- ConocoPhillips [NYSE:COP] announced today that it
has entered into definitive agreements with subsidiaries of Sinopec
International Petroleum Exploration and Production Company (SIPC) to sell
its 9.03 percent interest in Syncrude for $4.65 billion. The transaction is
anticipated to close in the third quart |
|
v**e
发帖数: 8422 | 29 中石化在缅甸西北部发现储藏量惊人的大型油气田
中国经济网北京2月15日讯（王红娟）缅甸地方报纸《镜报》(Kyemon Daily)周一
报道说，中国石化集团国际石油勘探开发有限公司与缅甸当地企业联合设立的合资公司
在缅甸西北部地区发现了一个大型油气田。目前每天可开采天然气210万立方米。
报道中说，新发现的这处油气田位于缅甸最大城市仰光(Yangon)西北大约835公里
处。目前由中国石化集团国际石油勘探开发公司与缅甸国有石油公司成立的合资公司
SIPC Myanmar Petroleum Co. Ltd已经在该地区钻出了六个试验性油井。
初步试采表明，该处油气田可能储藏量惊人。目前该公司还计划新钻三个试验性油
井。这是中国石化集团下属公司在不到三个月时间内在缅甸发现大第二个油气储藏构造
。该集团下属公司上个月曾在缅甸中部地区发现了一个天然气储藏量多达9090亿立方英
尺，石油储藏量多达716万桶的油气混合构造。
缅甸是近年来新发现的油气储藏大国，该国已探明油气储藏量过去10年里翻了一倍
。英国石油公司掌握的数据显示，缅甸境内目前可开采的天然气储藏量多达5700亿立方
... 阅读全帖 |
|
|
|
p****p
发帖数: 22 | 32
I use it for long term holdings, it's SIPC insured so your account will be
safe.
However their charting software is quite limited. |
|
|
o*****y
发帖数: 710 | 34 好像 SIPC 最多只保帐户里的 100k 现金, 包括股票在内最多保护 500k,
Fidelity 自称有 LLOYD LONDON 的保险，自称是无限制的保险，不过俺不
懂这是个啥，俺虽然离这个100k, 500k 还差很远，但是对这个问题比较敢
兴趣，有谁能介绍一下怎么样资金放在 BROKER 那里才比较安全？谢谢！ |
|
m******t
发帖数: 2416 | 35
I'm too lazy to double check but I think for securities SIPC covers way
more than $500k.
It could also depend on particular brokers. |
|
W***i
发帖数: 833 | 36 yes. check #2. That's why I dump BOA and jump into WF
1. WellsTrade brokerage accounts are offered through Wells Fargo Investments
, LLC (member SIPC), a non-bank affiliate of Wells Fargo & Company.
Discounted flat rate commissions as follows: PMA Package – No charge for
the first 100 trades per year regardless of PMA balances, $5.95 thereafter.
Free trades can be applied to commissions for online and automated trading
of stocks (excluding Penny Stocks) and exchange traded-funds or to
transactio |
|
n******n
发帖数: 12088 | 37 1不对。受sipc保护。还有破产不能追。好处不少。
4也不对。 |
|
|
w***n
发帖数: 1519 | 39 If your portfolio value is over SIPC coverage limit, it would make sense to
open multiple brokerage accounts. |
|
t****e
发帖数: 129 | 40 If your brokerage firm goes out of business and is a member of the
Securities Investor Protection Corporation (SIPC), then your cash and
securities held by the brokerage firm may be protected up to $500,000,
including a $250,000 limit for cash. |
|
w***n
发帖数: 1519 | 41 You don't have to open a new account in another brokerage firm. You just
need a different type of account. Say, you can have one individual account
for yourself, one for your hubby, one for joint, plus a few IRAs, all in
Fidelity and still get full coverage of 500K for each of these account. If
you have two individual accounts for yourself though, they will be
considered one combined when it comes to SIPC coverage.
But of course, you could still go well over the limit even if you do all
these. T... 阅读全帖 |
|
y****i
发帖数: 17878 | 42 google "SIPC"
but your money in mysmart cash account is FDIC insured |
|
y****i
发帖数: 17878 | 43 because your principle and accrued interest are certainly not FDIC or NCUA
or SIPC insured. You could lose everything. |
|
t*****8
发帖数: 363 | 44 Earn up to 50,000 American Airlines AAdvantage® miles
For a limited time only, earn up to 50,000 American Airlines AAdvantage®
; miles when you open and fund a nonretirement brokerage account.
Deposit Amount $25,000+ $50,000+ $100,000+
AAdvantage Miles Earned 15,000 25,000 50,000
Free Investment Help
Receive complimentary guidance online, by phone, or in-person.
More Investment Options
Access 5,000 mutual funds and over 30,000 bonds and CDs, plus stocks, and
ETFs.1
Ind... 阅读全帖 |
|
y****i
发帖数: 17878 | 45 cash sweep
safe, because it is either FDIC or SIPC insured |
|
f**c
发帖数: 791 | 46 protected by SIPC
先放一段时间吧 |
|
z****l
发帖数: 5282 | 47 ☆─────────────────────────────────────☆
aerna (aerna) 于 (Wed May 16 16:50:47 2012, 美东) 提到:
我有fidelity的ira，所以没有拿到UA，只拿到了Delta的50k，4月的时候开始搞apple
，到现在cycle有150k了吧，今天收到一封信，说“Our records indicate that the
following error was made: you did not open or fund a qualifying account.”
信的title是Please correct this error to get your Apple Gift Card
全部内容如下，有经验的说说要不要去联系fidelity还是就等着
One last step to become eligible for an Apple® Gift Card
Thank you for signing up to receive an Apple® Gift Card fro... 阅读全帖 |
|
o*o
发帖数: 5155 | 48 It's SIPC insured. It will protect you from brokerage firm bankruptcy
or fraud but not protect you against market losses. |
|
m*****a
发帖数: 2609 | 49 重要更新：这个offer是Targeted，其它用户不一定拿到！
刚才正在申请中，系统offer了online chat，我就跟CSR确认了一下这个code是否可以
应用给所有new customer，结果是否定的：
====================
"sorry it took me a bit to find that promotion. That was only offered to a
small group of people and is not applicable to all new accounts. You can
check our special offers page for current promotions (you can check that
page after your account is open so you don't lose your place).
=======================
不死心的又找个另一个CSR，结果得到的回答是一样的。
=================================... 阅读全帖 |
|
i****g
发帖数: 3896 | 50 大赞！送一个包子以致谢
重要更新：这个offer是Targeted，其它用户不一定拿到！
刚才正在申请中，系统offer了online chat，我就跟CSR确认了一下这个code是否可以
应用给所有new customer，结果是否定的：
====================
"sorry it took me a bit to find that promotion. That was only offered to a
small group of people and is not applicable to all new accounts. You can
check our special offers page for current promotions (you can check that
page after your account is open so you don't lose your place).
=======================
不死心的又找个另一个CSR，结果得到的回答是一样的。
====================... 阅读全帖 |
|
