SIPC
SIPP INDUSTRIES INC NEW
stock OTC

SIPC insures you in case your brokerage firm fails for up to $500k with a 250k cash limit. It does not protect you from investment losses though, so if the MM fund “broke the buck” and you lost money, SIPC is not doing anything about it

Is there any safety difference between being insured by FIDC (HYSA) and SIPC (Money Market)?

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*

So I just did a little reading and if you enroll in the lending program then you lose SIPC protection and if your brokerage goes bankrupt you lose the stocks, though robinhood says it covers it. Yeah I’m not taking that risk.

While funny - 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.
*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*

Hey r/fidelityinvestments, 
We know some of you may have questions about upcoming changes to [pattern day trader (PDT) rules](https://www.fidelity.com/learning-center/trading-investing/trading/day-trading-margin?ccmedia=reddit&ccchannel=social_organic&cccampaign=trading&ccdate=20260521&cccreative=trading_margin&ccformat=text), so we wanted to share an update on our plans. 
In April, the SEC and FINRA approved changes to [Rule 4210](https://www.finra.org/rules-guidance/notices/26-10) that will replace the current PDT rules with a new intraday margin framework. The new rules may be implemented as early as June 4, 2026, and firms will have up to 18 months to comply. We plan to introduce updates aligned with the new requirements on or soon after June 4^(th)—so be sure to check back, as we’ll share more details when they roll out. 
What’s changing: 
* No $25,000 minimum equity requirement to day trade in margin 
* Existing PDT restrictions and calls will be removed 
* Day trades will no longer be counted 
* No separate day trade requirements for intraday trades, **including options** 
What’s not changing: 
* $2,000 minimum equity requirement for margin accounts 
* Overnight margin requirements (house, exchange, and Fed/SMA) remain the same 
Under the new framework, intraday trading activity will be assessed in real time. If an account exceeds its intraday exchange surplus or ends the day in an exchange call, it may result in an intraday margin deficit (IMD) that must be satisfied as promptly as possible. Repeated failure to satisfy IMDs may result in the account being restricted for up to 90 days. 
Also worth noting: A small group of account types, such as portfolio margin, will initially continue to follow existing PDT rules and will not be included in this update. 
We’ll continue to monitor questions in the comments and share updates as they become available. 
Margin trading entails greater risk, including, but not limited to, risk of loss and incurrence of margin interest debt, and is not suitable for all investors. Please assess your financial circumstances and risk tolerance before trading on margin. Margin credit is extended by National Financial Services, Member NYSE, SIPC. 

This has been removed for violating rule #7: **no personal attacks or trolling**.
Remember your Reddiquette. Be kind to each other.
*Fidelity Brokerage Services LLC, Member NYSE, SIPC*

This was removed for violating rule #1: **do not post personally identifiable information (PII)**.
To protect our customers, we prohibit the posting of any private or confidential information, whether it’s yours or another individual’s. This includes names, account numbers, Social Security numbers, email addresses, phone numbers, or any other information considered PII.
Reposting the contents of information shared via private messages (PMs), modmail, and private subreddit chat is also prohibited.
Please make sure any posts (especially screenshots) don’t include visible PII before posting.
*Fidelity Brokerage Services LLC, Member NYSE, SIPC*

SIPC insures you in case your brokerage firm fails for up to $500k with a 250k cash limit. It does not protect you from investment losses though, so if the MM fund “broke the buck” and you lost money, SIPC is not doing anything about it

Is there any safety difference between being insured by FIDC (HYSA) and SIPC (Money Market)?

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*

So I just did a little reading and if you enroll in the lending program then you lose SIPC protection and if your brokerage goes bankrupt you lose the stocks, though robinhood says it covers it. Yeah I’m not taking that risk.

While funny - 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.
*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*

Hey r/fidelityinvestments, 
We know some of you may have questions about upcoming changes to [pattern day trader (PDT) rules](https://www.fidelity.com/learning-center/trading-investing/trading/day-trading-margin?ccmedia=reddit&ccchannel=social_organic&cccampaign=trading&ccdate=20260521&cccreative=trading_margin&ccformat=text), so we wanted to share an update on our plans. 
In April, the SEC and FINRA approved changes to [Rule 4210](https://www.finra.org/rules-guidance/notices/26-10) that will replace the current PDT rules with a new intraday margin framework. The new rules may be implemented as early as June 4, 2026, and firms will have up to 18 months to comply. We plan to introduce updates aligned with the new requirements on or soon after June 4^(th)—so be sure to check back, as we’ll share more details when they roll out. 
What’s changing: 
* No $25,000 minimum equity requirement to day trade in margin 
* Existing PDT restrictions and calls will be removed 
* Day trades will no longer be counted 
* No separate day trade requirements for intraday trades, **including options** 
What’s not changing: 
* $2,000 minimum equity requirement for margin accounts 
* Overnight margin requirements (house, exchange, and Fed/SMA) remain the same 
Under the new framework, intraday trading activity will be assessed in real time. If an account exceeds its intraday exchange surplus or ends the day in an exchange call, it may result in an intraday margin deficit (IMD) that must be satisfied as promptly as possible. Repeated failure to satisfy IMDs may result in the account being restricted for up to 90 days. 
Also worth noting: A small group of account types, such as portfolio margin, will initially continue to follow existing PDT rules and will not be included in this update. 
We’ll continue to monitor questions in the comments and share updates as they become available. 
Margin trading entails greater risk, including, but not limited to, risk of loss and incurrence of margin interest debt, and is not suitable for all investors. Please assess your financial circumstances and risk tolerance before trading on margin. Margin credit is extended by National Financial Services, Member NYSE, SIPC. 

This has been removed for violating rule #7: **no personal attacks or trolling**.
Remember your Reddiquette. Be kind to each other.
*Fidelity Brokerage Services LLC, Member NYSE, SIPC*

This was removed for violating rule #1: **do not post personally identifiable information (PII)**.
To protect our customers, we prohibit the posting of any private or confidential information, whether it’s yours or another individual’s. This includes names, account numbers, Social Security numbers, email addresses, phone numbers, or any other information considered PII.
Reposting the contents of information shared via private messages (PMs), modmail, and private subreddit chat is also prohibited.
Please make sure any posts (especially screenshots) don’t include visible PII before posting.
*Fidelity Brokerage Services LLC, Member NYSE, SIPC*