SIPC
SIPP INDUSTRIES INC NEW
stockOTC

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Glad to hear that. You may have already read it, but the safety of FDLXX is primarily its US government backing, which many have observed is pretty similar to the government backing of the guarantee of FDIC coverage for HYSAs. The highly unlikely circumstances behind an FDIC failure are the same ones that would undermine the security of FDLXX. Also, the separate layer of security for FDLXX is SIPC insurance. SIPC protects the FDLXX investor from the failure of the brokerage. Fidelity’s SIPC coverage has a $500,000 limit but they also have a vaguely defined capacity to cover loss greater than $500,000 under their excess of SIPC coverage that apparently can protect up to $1.9 million per customer.

Not correct. Fidelity offers at least two options. * **FDIC-Insured Deposit Sweep**: Provides **up to $4 million** in FDIC coverage on uninvested cash through partner banks. This option prioritizes deposit insurance but typically offers a **lower yield** compared to money market funds. * **Fidelity Government Money Market Fund (SPAXX)**: This is a mutual fund invested in low-risk, short-term securities. It is **not FDIC-insured** (though covered by SIPC) and generally offers a **higher yield** potential than the sweep program.

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Fidelity is not a bank, it's an investment firm and has SIPC insurance to 500k on money market funds not FDIC which is effectively unlimited as we found out in 2023 when Government covered Roku's 2 billion from the Silicon Valley debacle.

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This has been removed for violating rule #2: **limit discussion of securities and investments**. Thanks for your post seeking investment advice or discussing specific securities. Please keep all conversations about portfolios and specific investments in our monthly discussion post. Fellow Redditors may offer an opinion on investments. Fidelity doesn’t endorse any of the expressions, opinions, or content posted by non-Fidelity members or any third parties on  r/fidelityinvestments. Do not rely on comments to form the basis of an investment decision. Always make sure to do your due diligence before investing. Remember to look for the “Community Care Representative” flair to make sure it’s us. *Fidelity Brokerage Services LLC, Member NYSE, SIPC*

This has been removed for violating rule #2: **limit discussion of securities and investments**. Thanks for your post seeking investment advice or discussing specific securities. Please keep all conversations about portfolios and specific investments in our monthly discussion post. Fellow Redditors may offer an opinion on investments. Fidelity doesn’t endorse any of the expressions, opinions, or content posted by non-Fidelity members or any third parties on  r/fidelityinvestments. Do not rely on comments to form the basis of an investment decision. Always make sure to do your due diligence before investing. Remember to look for the “Community Care Representative” flair to make sure it’s us. *Fidelity Brokerage Services LLC, Member NYSE, SIPC*

This has been removed for violating rule #2: **limit discussion of securities and investments**. Thanks for your post seeking investment advice or discussing specific securities. Please keep all conversations about portfolios and specific investments in our monthly discussion post. Fellow Redditors may offer an opinion on investments. Fidelity doesn’t endorse any of the expressions, opinions, or content posted by non-Fidelity members or any third parties on  r/fidelityinvestments. Do not rely on comments to form the basis of an investment decision. Always make sure to do your due diligence before investing. Remember to look for the “Community Care Representative” flair to make sure it’s us. *Fidelity Brokerage Services LLC, Member NYSE, SIPC*