SIPC
SIPP INDUSTRIES INC NEW
stock OTC

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Fidelity Brokerage Services LLC, Member NYSE, SIPC

Thanks for your post. We ask that all investment strategy discussion be kept within the monthly discussion post pinned at the top of the sub.
This post/comment has been removed for violating rule #2. - In regard to securities and investments

Thanks for your post seeking investment advice or discussing specific securities. Please keep all conversations about portfolios and specific investments to our monthly discussion post.
We are not able to assist with these types of questions on reddit but have a variety of tools and resources to help our clients invest their funds and find an investment that fits their objectives and risk tolerance. To learn more about investing check out the "Getting started with investing" page on our learning center [here](https://www.fidelity.com/learning-center/overview).

To find research and tools to help you, click on the "News & Research" on fidelity.com on the menu bar. This will expand a sub menu where you will be able to learn about and research mutual funds, stocks, ETFs, fixed income, and more. You can also go to "Investment Products" on the menu bar to learn more about the types of accounts that we offer. [Click here to visit Fidelity.com](https://www.fidelity.com)

Fidelity Brokerage Services LLC, Member NYSE, SIPC

Thats tough to say in this technologically booming environment. On one part a reduction in front facing staff (people whom answer calls, emails, web chats, etc.) is a negative from a client servicing perspective. On the other hand there are many remedial questions that can be answered through AI and self education tools. A reduction in these roles could be a result of new bloat due to these tools. While AI is for the most part shit and bullshit, eventually as a search function it could become something better. So staff layoffs may not be an exact indicator of "shit just got real."
I would say one big thing would be a lack of liquidity for outbound wire transfers. Understandably there is only so much liquidity in a bank account to send out wires before it is depleted an no new wires can go out for that day. This is a fairly rare occurrence but one I would consider a pretty big indicator. This would not be a equalateral event as a bank run as a brokerage firm is not a bank. But assets leaving in large quantities due to fear of lack in SIPC coverage would be equivalent to a bank run. That would be an uptick in asset transfer out via dtc, acat, drs, non acat, you get it.
I am not high in the company I work for. My thoughts are of my own opinion and not reflective of the company in which I have not, nor will state that I work for.

Again, "significant money on individual stocks" is true, but meaningless. You have to buy the right stocks at the right time. As opposed to the growth-fund approach, where all you have to do is buy.
Likewise, claims of "lost decades" are meaningless (and no, there haven't been "plenty" of them, and none that don't include the Fall 1929-Summer 1932 period when things like FDIC and SIPC didn't exist, and you don't cite "decades" anyway, just individual bad years), because the OP is looking at 50 years. WRT your bogus "lost decade" choices, the market more than doubled Oct 2007 to Oct 2017. Check your other individual years for similarities.
And no one here is claiming that "the market always moves up"; the stated ***facts*** are that the market moves up more than it moves down, and that there has never been a losing sequence of even 20 years, much less the OP's 50-year horizon.

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Fidelity Brokerage Services LLC, Member NYSE, SIPC

Thanks for your post. We ask that all investment strategy discussion be kept within the monthly discussion post pinned at the top of the sub.
This post/comment has been removed for violating rule #2. - In regard to securities and investments

Thanks for your post seeking investment advice or discussing specific securities. Please keep all conversations about portfolios and specific investments to our monthly discussion post.
We are not able to assist with these types of questions on Reddit but have a variety of tools and resources to help our clients invest their funds and find an investment that fits their objectives and risk tolerance. To learn more about investing check out the "Getting started with investing" page on our learning center [here](https://www.fidelity.com/learning-center/overview).

To find research and tools to help you, click on the "News & Research" on fidelity.com on the menu bar. This will expand a sub menu where you will be able to learn about and research mutual funds, stocks, ETFs, fixed income, and more. You can also go to "Investment Products" on the menu bar to learn more about the types of accounts that we offer. [Click here to visit Fidelity.com](https://www.fidelity.com)

Fidelity Brokerage Services LLC, Member NYSE, SIPC

You said if schwab the company went down you would lose 90% of your money , no that is not the case
Ok so what if the fund manager is committing fraud however unlikely here is how it would go down
1. Schwab would be required to put up its own money
2. If it cannot schwab the company will be sold and the the proceeds will be used to cover the money
3. If that still is not enough SIPC kicks in
So what to do if you have 1 million dollars and ultra paranoid ? Buy 250k of
[SWVXX](https://www.schwabfunds.com/products/SWVXX) , [SNVXX](https://www.schwabfunds.com/products/SNVXX) ,[SNOXX](https://www.schwabfunds.com/products/snoxx) ,[SNSXX](https://www.schwabfunds.com/products/snsxx)
If one of those fund manager is committing fraud basically SIPC would step in
Now you are going to say "Well what if all 4 fund managers are committing fraud" what are the chances of that? Also they have institutional funds that have a 1 million minimum you can only buy into the fund if you have 1 million plus dollars , companies and institutions put tens of million into those funds all the time. Out of all the things to worry about , having a treasury money market fund break the bank is not something you need to worry about.

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Fidelity Brokerage Services LLC, Member NYSE, SIPC

Thanks for your post. We ask that all investment strategy discussion be kept within the monthly discussion post pinned at the top of the sub.
This post/comment has been removed for violating rule #2. - In regard to securities and investments

Thanks for your post seeking investment advice or discussing specific securities. Please keep all conversations about portfolios and specific investments to our monthly discussion post.
We are not able to assist with these types of questions on reddit but have a variety of tools and resources to help our clients invest their funds and find an investment that fits their objectives and risk tolerance. To learn more about investing check out the "Getting started with investing" page on our learning center [here](https://www.fidelity.com/learning-center/overview).

To find research and tools to help you, click on the "News & Research" on fidelity.com on the menu bar. This will expand a sub menu where you will be able to learn about and research mutual funds, stocks, ETFs, fixed income, and more. You can also go to "Investment Products" on the menu bar to learn more about the types of accounts that we offer. [Click here to visit Fidelity.com](https://www.fidelity.com)

Fidelity Brokerage Services LLC, Member NYSE, SIPC

Refrain from duplicate posting, trolling, spamming, ranting, or posting memes. Do not abuse the reporting system. You can avoid having your post/comment removed as a rant/vent by simply being polite and asking for help.

Fidelity Brokerage Services LLC, Member NYSE, SIPC

This post/comment has been removed for violating rule #2. - In regard to securities and investments

Thanks for your post seeking investment advice or discussing specific securities. Please keep all conversations about portfolios and specific investments to our monthly discussion post. We are not able to assist with these types of questions on reddit but have a variety of tools and resources to help our clients invest their funds and find an investment that fits their objectives and risk tolerance. To learn more about investing check out the "Getting started with investing" page on our learning center [here](https://www.fidelity.com/learning-center/overview).

To find research and tools to help you, click on the "News & Research" on fidelity.com on the menu bar. This will expand a sub menu where you will be able to learn about and research mutual funds, stocks, ETFs, fixed income, and more. You can also go to "Investment Products" on the menu bar to learn more about the types of accounts that we offer. [Click here to visit Fidelity.com](https://www.fidelity.com)

Fidelity Brokerage Services LLC, Member NYSE, SIPC

I can pass along your comments as feedback to our development team. We make many changes and feature updates based on input from clients like you, so I appreciate you letting us know about the features you miss.
Please do not hesitate to let us know of any additional feedback or suggestions you may have regarding any experience at Fidelity. I hope you have a great Tuesday.
Fidelity Brokerage Services LLC, member NYSE, SIPC

This post/comment was removed for violating rule #1 – Do not post private information.
Posting of private/confidential information, or anything that infringes on the intellectual property rights of others (whether about yourself or another individual), is prohibited in our community. This includes account numbers, SSNs, email addresses, phone numbers or other information considered PII (Personally Identifiable Information). Reposting the contents of information shared via PMs, Modmail, private subreddit chat is also prohibited.
If you'd like further assistance, please send us a Modmail and we'll be happy to look into your situation further.
Fidelity Brokerage Services LLC, Member NYSE, SIPC