嘉信應該很穩吧? - 保險
By William
at 2023-03-11T19:29
at 2023-03-11T19:29
Table of Contents
: 推 nerdz: 50萬sipc是跟人不是跟帳號,所以超過50多開其他帳號應該沒 03/11 18:11
: → nerdz: 用 03/11 18:11
: 推 linkmusic: sipc 是跟帳號不跟人吧,也就是說你在ft 和嘉信分別都 03/11 18:14
: → linkmusic: 能有25萬的保障 03/11 18:14
: → linkmusic: 之前股版還這裡有篇有說到複委託委任的海外券商都是小 03/11 18:19
: → linkmusic: 咖券商不知實情如何,若真是如此感覺蠻危險的 03/11 18:19
這邊說得對 也說得不完全對 或者說 不能單單說跟帳號或跟人有關
原則來說是跟帳號(*)沒錯
而為什麼跟帳號(*)要打星號呢? 這是因為 正確來的說是跟"帳戶類別"有關
對台灣人想開美券商來說 鐵則就是: 一個券商不要超過50萬鎂 超過就開另外一間券商
(以下只討論個人帳號,其他如共同帳號或公司帳號都是另外算)
1. 如果一個人在同一券商分別有margin和non-margin account
兩個帳戶要算同一個50萬額度
2. 如果一個人在同一券商分別有一般的brokerage account和retirement account
兩個帳戶分別有50萬額度
3. 如果一個人在券商A跟券商B都有一般的brokerage accounts
兩個券商同時倒 這個人最高保險額度是100萬 不同券商分別有50萬的額度
4. SIPC是保券商倒掉的保險 不是保股票公司倒點的保險
如果一個人買了A公司股票而A倒閉了 SIPC是不會賠的 = =
5. 券商帳戶裡可以買定存(CD) 如果券商倒了 適用50萬SIPC保險中
要注意的是這種定存是brokered CD 視同證券而不是現金
如果是發行定存的那間銀行倒了 是適用25萬的FDIC保險
另外要注意 有些券商裡買的CD不是FDIC-insured... 這樣銀行倒了就沒了
大券商賣的通常是FDIC-insured就是~
但是! 但是! 要注意! 買有FDIC-insured保險的CD並不代表"你"就有FDIC保護!
台灣人常開的一間券商 你在那邊買的brokered CD就無法受到FDIC保護
這種情況下通常券商會有一點保險可以幫你賠給你 但是賠多少窩就不知道惹
--
歷經綠卡洗禮的過來人建議: 社交connection does matter! 共勉之!
--
: → nerdz: 用 03/11 18:11
: 推 linkmusic: sipc 是跟帳號不跟人吧,也就是說你在ft 和嘉信分別都 03/11 18:14
: → linkmusic: 能有25萬的保障 03/11 18:14
: → linkmusic: 之前股版還這裡有篇有說到複委託委任的海外券商都是小 03/11 18:19
: → linkmusic: 咖券商不知實情如何,若真是如此感覺蠻危險的 03/11 18:19
這邊說得對 也說得不完全對 或者說 不能單單說跟帳號或跟人有關
原則來說是跟帳號(*)沒錯
而為什麼跟帳號(*)要打星號呢? 這是因為 正確來的說是跟"帳戶類別"有關
對台灣人想開美券商來說 鐵則就是: 一個券商不要超過50萬鎂 超過就開另外一間券商
(以下只討論個人帳號,其他如共同帳號或公司帳號都是另外算)
1. 如果一個人在同一券商分別有margin和non-margin account
兩個帳戶要算同一個50萬額度
2. 如果一個人在同一券商分別有一般的brokerage account和retirement account
兩個帳戶分別有50萬額度
3. 如果一個人在券商A跟券商B都有一般的brokerage accounts
兩個券商同時倒 這個人最高保險額度是100萬 不同券商分別有50萬的額度
4. SIPC是保券商倒掉的保險 不是保股票公司倒點的保險
如果一個人買了A公司股票而A倒閉了 SIPC是不會賠的 = =
5. 券商帳戶裡可以買定存(CD) 如果券商倒了 適用50萬SIPC保險中
要注意的是這種定存是brokered CD 視同證券而不是現金
如果是發行定存的那間銀行倒了 是適用25萬的FDIC保險
另外要注意 有些券商裡買的CD不是FDIC-insured... 這樣銀行倒了就沒了
大券商賣的通常是FDIC-insured就是~
但是! 但是! 要注意! 買有FDIC-insured保險的CD並不代表"你"就有FDIC保護!
台灣人常開的一間券商 你在那邊買的brokered CD就無法受到FDIC保護
這種情況下通常券商會有一點保險可以幫你賠給你 但是賠多少窩就不知道惹
--
→ P*To*ch: 我citations早就破百 就是推薦人找不齊 辦不了08/23 21:57
歷經綠卡洗禮的過來人建議: 社交connection does matter! 共勉之!
--
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保險
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