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.

所有跟帖： 

• 如果你听今天投坛的会计师网友，不安全，要转出！如果你相信九叔会救大家的，安全，不转出！ -hhtt- ♂ (0 bytes) () 03/15/2023 postreply 15:46:12

• 跟前面的贴写了。。。 如果这些都危险的话 那Bank of America -mmt368- ♀ (266 bytes) () 03/15/2023 postreply 18:39:04

• 什么？美国银行也有危险？怪不得上个周末，有个朋友在微信上说什么美国银行什么什么的？我当时也没当一回事。 -hhtt- ♂ (0 bytes) () 03/15/2023 postreply 18:54:53

• 不危险-- 至少目前这样的还没到真的危险的呢! 大银行都通过stress test， 有FED 还有 -mmt368- ♀ (54 bytes) () 03/16/2023 postreply 14:59:49

• 美银和富国都危险，如果大银行倒闭的话这俩最麻烦，你看瑞银可能会倒闭了 -闲来无事事- ♂ (102 bytes) () 03/15/2023 postreply 22:57:55

• 我觉得会计师网友分类分析有点道理，但数字我还没时间验证。股票账户风险还是很小很小的，我目前不转 -slow_quick- ♂ (0 bytes) () 03/15/2023 postreply 15:49:41

• 其他的劵商会有同样的问题么? 诸如vanguard 或 fidelity? -joyce20- ♀ (0 bytes) () 03/15/2023 postreply 15:55:22

• 如果Vanguard and Fidelity 出问题 -越王剑- ♂ (116 bytes) () 03/15/2023 postreply 16:38:57

• 是的，这两家公司 401K 的市场份额超过 60 to 70% -goingplaces- ♀ (0 bytes) () 03/15/2023 postreply 18:09:18

• 别听胡说八道。我在各大券商都有户头，嘉信是最规范的。别的券商会不通知你借你的MARGIN股票，嘉信不但会通知还付高利息 -8.Jie- ♀ (348 bytes) () 03/15/2023 postreply 18:48:11

• 我那篇文章最后一段写了，即使charles Schwab 银行出问题 -窗外的微风- ♂ (343 bytes) () 03/15/2023 postreply 16:26:18

• 只做执行交易券商不同于银行，一般不是杠杆运作，除了margin账户，风险是远小于银行的，这是为啥08年没他们啥事 -tibuko- ♂ (0 bytes) () 03/15/2023 postreply 16:42:42