Schwab的股票账户还安全吗?

因为利息狂升, 各种fixed income(长天期国债, MBS, 公司债...) 狂跌, Schwab账面上有很多浮亏, 有倒闭风险. 大家都知道. 你如果在它卷商上有超过50万的怎么办? 我自己决定不转. 几个原因.
 

一, 它通过Lloyd(London)保险到6亿.
二, 最近2天SCHW涨回来一些. 它的CEO也讲话, 虽然不可全信.
三, 它亏损的是银行部分. 券商部分的客户资产它是不能拿来投资的. 见下面法条.
 

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.