小心了！刚发现fidelity的SPAXX不受fdic保护

版上好多人都说fidelity的money market fund SPAXX好，利息也高。但是从它的自家风险说明书上，明确说了不受fdic的25万保护。
https://fundresearch.fidelity.com/mutual-funds/summary/31617H102
“ You could lose money by investing in the fund. Although the fund seeks to preserve the value of your investment at $1.00 per share, it cannot guarantee it will do so. An investment in the fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. “

这不是很正常吗，你买bond和股票哪个都不是FDIC insured

知识太弱了呀。 SPAXX 受 SIPC 保护 up to 500K, 比 FDIC 还要高。 Fidelity 自己还有 1B insurance。

我担心的是本金的风险，价格低于$1。

回复 1楼suhuavip的帖子
I only have $24 bucks in SPAXX. Should I worry?

版上好多人都说fidelity的money market fund SPAXX好，利息也高。但是从它的自家风险说明书上，明确说了不受fdic的25万保护。
https://fundresearch.fidelity.com/mutual-funds/summary/31617H102
“ You could lose money by investing in the fund. Although the fund seeks to preserve the value of your investment at $1.00 per share, it cannot guarantee it will do so. An investment in the fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. “
suhuavip 发表于 2023-03-12 01:05

第一颗地雷出来了

把钱全取出来，埋在自家后院最保险，实在不放心美国，寄回国，存在中国银行最保险

第一颗地雷出来了
teena 发表于 2023-03-12 03:08

雷什么，搜以下SIPC

Saving is subject to $250k FDIC Brokerage account is subject to $500k SIPC

Saving is subject to $250k FDIC Brokerage account is subject to $500k SIPC
seanxyz2 发表于 2023-03-12 09:17

这个brokerage算F其他的投资帐户吗？比如Roth IRA, 401K里的钱？算的话也不能放这个，还是得分散去其他银行才行

回复 1楼suhuavip的帖子
I only have $24 bucks in SPAXX. Should I worry?
nocomplaint 发表于 2023-03-12 01:55

不用担心
我保你

回复 1楼suhuavip的帖子
fdic 是用于银行的，Fidelity和其它都用另外一个保险的好不好。

请问FZDXX呢，也有500k保险吗

小白问： fidelity的roth ira受保护吗？ 工作交的401k受保护吗？ robinhood一类的股票账户受保护吗？

回复 1楼suhuavip的帖子
fdic 是用于银行的，Fidelity和其它都用另外一个保险的好不好。

cottonfield 发表于 2023-03-12 10:02

fidelity has 2 FDIC and SiPC我去年去确认一下