Schwab的股票賬戶還安全嗎?

因為利息狂升, 各種fixed income(長天期國債, MBS, 公司債...) 狂跌, Schwab賬麵上有很多浮虧, 有倒閉風險. 大家都知道. 你如果在它卷商上有超過50萬的怎麽辦? 我自己決定不轉. 幾個原因.
 

一, 它通過Lloyd(London)保險到6億.
二, 最近2天SCHW漲回來一些. 它的CEO也講話, 雖然不可全信.
三, 它虧損的是銀行部分. 券商部分的客戶資產它是不能拿來投資的. 見下麵法條.
 

Rule 15c3- 3 is designed “to give more specific protection to customer funds and securities, in effect forbidding brokers and dealers from using customer assets to finance any part of their businesses unrelated to servicing securities customers.”

There are two main regulations that help protect client assets should a brokerage firm become insolvent: the Net Capital Rule and the Customer Protection Rule. The Net Capital Rule requires that brokerage firms maintain at least a 1:1 ratio of highly liquid assets, such as cash or treasury bills, to liabilities. This ensures that brokerage firms will be able to pay out their liabilities without touching clients’ assets held in brokerage accounts. The Customer Protection Rule mandates that firm assets and customer assets be held in separate accounts. Therefore, if a brokerage firm makes a bad investment, client assets can’t be used to pay the firm’s debts.

所有跟帖： 

• 如果你聽今天投壇的會計師網友，不安全，要轉出！如果你相信九叔會救大家的，安全，不轉出！ -hhtt- ♂ (0 bytes) () 03/15/2023 postreply 15:46:12

• 跟前麵的貼寫了。。。 如果這些都危險的話 那Bank of America -mmt368- ♀ (266 bytes) () 03/15/2023 postreply 18:39:04

• 什麽？美國銀行也有危險？怪不得上個周末，有個朋友在微信上說什麽美國銀行什麽什麽的？我當時也沒當一回事。 -hhtt- ♂ (0 bytes) () 03/15/2023 postreply 18:54:53

• 不危險-- 至少目前這樣的還沒到真的危險的呢! 大銀行都通過stress test， 有FED 還有 -mmt368- ♀ (54 bytes) () 03/16/2023 postreply 14:59:49

• 美銀和富國都危險，如果大銀行倒閉的話這倆最麻煩，你看瑞銀可能會倒閉了 -閑來無事事- ♂ (102 bytes) () 03/15/2023 postreply 22:57:55

• 我覺得會計師網友分類分析有點道理，但數字我還沒時間驗證。股票賬戶風險還是很小很小的，我目前不轉 -slow_quick- ♂ (0 bytes) () 03/15/2023 postreply 15:49:41

• 其他的劵商會有同樣的問題麽? 諸如vanguard 或 fidelity? -joyce20- ♀ (0 bytes) () 03/15/2023 postreply 15:55:22

• 如果Vanguard and Fidelity 出問題 -越王劍- ♂ (116 bytes) () 03/15/2023 postreply 16:38:57

• 是的，這兩家公司 401K 的市場份額超過 60 to 70% -goingplaces- ♀ (0 bytes) () 03/15/2023 postreply 18:09:18

• 別聽胡說八道。我在各大券商都有戶頭，嘉信是最規範的。別的券商會不通知你借你的MARGIN股票，嘉信不但會通知還付高利息 -8.Jie- ♀ (348 bytes) () 03/15/2023 postreply 18:48:11

• 我那篇文章最後一段寫了，即使charles Schwab 銀行出問題 -窗外的微風- ♂ (343 bytes) () 03/15/2023 postreply 16:26:18

• 隻做執行交易券商不同於銀行，一般不是杠杆運作，除了margin賬戶，風險是遠小於銀行的，這是為啥08年沒他們啥事 -tibuko- ♂ (0 bytes) () 03/15/2023 postreply 16:42:42