SIPC
SIPP INDUSTRIES INC NEW
stock OTC

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SIPC has double the guarantee of FDIC.
There is no guarantee that OP's situation will be changed in the time they estimated. And HYSA rates are by no means guaranteed. If they were to buy a gov't bond and hold it to maturity, their returns are both guaranteed and state tax exempt. Now I'm not saying I know what's best for OP but to just blindly say that HYSA is the right choice is bad advice.

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Here’s the text of the email
Welcome to
Trump Accounts To complete setup,
activate your child's account.
Activate account Note: To activate the account, you enter willingly into an agreement with Robinhood Securities, LLC, which
serves as the trustee for Trump Accounts.
This is at the bottom:
This email is sent to you from Robinhood Securities, LLC appointed as a trustee for Trump Accounts pursuant to authority delegated by the U.S. Department of the Treasury.
*The account terms and conditions govern the administration of the Trump Account and include your rights and the obligations of the trustee. All investing involves risk. Brokerage and clearing services are provided through Robinhood Financial, LLC and Robinhood Securities, LLC, each a registered broker-dealer and member of SIPC, respectively. Trump Accounts are traditional individual retirement accounts with special rules established under section 530A of the Internal Revenue Code.
Copyright © 2026 Robinhood. All rights reserved.

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This has been removed for violating rule #4: **do not use profanity**.
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This has been removed for violating rule #4: **do not use profanity**.
Remember that this is a community that's focused on investing education and Fidelity customer care. Please do not use profanity or obscene language.
If you remove the instance of profanity and let us know. We will re-approve, or you can repost it.
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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.
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This has been removed for violating rule #7: **no personal attacks or trolling**.
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