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SIPC Is the Closest Thing You'll Get to Investing Insurance | Lifehacker
<!doctype html> <html lang="en"> <head> <title>SIPC Is the Closest Thing You'll Get to Investing Insurance | Lifehacker</title> <meta charset="UTF-8"> <meta name="csrf-token" content="emJf8FIyJH0EXJ8QuYxkefPcg6SOKBx3W7OGE67k"> <link href="https://lifehacker.com/money/what-is-sipc-insurance" rel="canonical"> <meta name="viewport" content="width=device-width, initial-scale=1.0, maximum-scale=5.0"> <meta name="theme-color" content="#ffffff"> <meta name="application-name" content="Lifehacker"> <meta name="description" content="When you put your money in a bank account, you have the reassurance that your deposits are insured by the Federal Deposit Insurance Corporation (FDIC) up to $250,000 per depositor, per insured bank. This protects your savings in case the bank fails. But what if you invest your money through a brokerage firm? 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This protects your savings in case the bank fails. But what if you invest your money through a brokerage firm? That's where SIPC insurance comes in.SIPC (Securities Investor Protection Corporation) is the closest thing investors get to insurance for their brokerage accounts and investments. While it doesn't protect against market losses like a decline in stock prices, SIPC does cover customers' cash and securities in case a brokerage firm fails.How SIPC insurance worksSIPC is a non-profit, congressionally mandated corporation funded by assessments on its member brokerage firms. If a SIPC member broker-dealer becomes insolvent, SIPC steps in to recover customers' assets and return their cash, stocks, and other securities.SIPC protection covers a maximum of $500,000 per customer, with a $250,000 limit for cash claims. So if your account contained $200,000 in stocks and $100,000 in cash, and your brokerage firm went under, you would be covered for the full $300,000 balance.It's important to note that SIPC does not protect against declines in investment values due to market fluctuations. It only covers assets that are lost, stolen, or misallocated by a financially troubled brokerage firm.Additional protections from brokerage firmsWhile SIPC is the legal minimum, many brokerages carry additional private insurance to further protect customer assets above the SIPC limits. For example, some brokers provide up to $25 million in account protection or more. Still, even with SIPC and private insurance backstops, investors should always be cautious about over-concentrating assets with a single brokerage firm. Diversifying across multiple institutions can further mitigate risk.The takeawaySIPC insurance is an important safeguard that protects investors' assets from loss due to a brokerage firm's insolvency or misconduct. While not as comprehensive as FDIC insurance for bank deposits, SIPC still provides a layer of security for customers' cash and securities held at member brokerages. Understanding what SIPC covers—and what it doesn't—can give investors greater peace of mind when investing your hard-earned money through brokerage accounts. For more of that priceless peace of mind, here’s our guide to finding a financial planner who won’t rip you off.","publisher":{"@type":"NewsMediaOrganization","url":"https:\/\/lifehacker.com","name":"Lifehacker","foundingDate":"2005","founder":{"@type":"Person","name":"Gina Trapani","url":"https:\/\/ginatrapani.org\/","jobTitle":"Founder","sameAs":["https:\/\/www.linkedin.com\/in\/ginatrapani\/"]},"employee":{"@type":"Person","name":"Jordan Calhoun","url":"https:\/\/twitter.com\/JordanMCalhoun","jobTitle":"Editor-in-Chief"},"logo":{"@type":"ImageObject","url":"https:\/\/lifehacker.com\/images\/lifehacker-logo.svg","width":318,"height":100},"sameAs":["https:\/\/lifehacker.com\/","https:\/\/www.facebook.com\/lifehacker\/","https:\/\/www.youtube.com\/lifehacker","https:\/\/www.twitter.com\/lifehacker","https:\/\/www.instagram.com\/lifehackerdotcom"],"description":"Lifehacker is the ultimate authority on optimizing every aspect of your life. 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var(--tw-space-x-reverse)));margin-right:calc(4rem*var(--tw-space-x-reverse))}.md\:space-x-2>:not([hidden])~:not([hidden]){--tw-space-x-reverse:0;margin-left:calc(.5rem*(1 - var(--tw-space-x-reverse)));margin-right:calc(.5rem*var(--tw-space-x-reverse))}.md\:space-x-7>:not([hidden])~:not([hidden]){--tw-space-x-reverse:0;margin-left:calc(1.75rem*(1 - var(--tw-space-x-reverse)));margin-right:calc(1.75rem*var(--tw-space-x-reverse))}.md\:space-y-0>:not([hidden])~:not([hidden]){--tw-space-y-reverse:0;margin-bottom:calc(0px*var(--tw-space-y-reverse));margin-top:calc(0px*(1 - var(--tw-space-y-reverse)))}.md\:p-2{padding:.5rem}.md\:px-12{padding-left:3rem;padding-right:3rem}.md\:px-6{padding-left:1.5rem;padding-right:1.5rem}.md\:px-8{padding-left:2rem;padding-right:2rem}.md\:py-10{padding-bottom:2.5rem;padding-top:2.5rem}.md\:py-20{padding-bottom:5rem;padding-top:5rem}.md\:py-24{padding-bottom:6rem;padding-top:6rem}.md\:py-6{padding-bottom:1.5rem;padding-top:1.5rem}.md\:py-7{padding-bottom:1.75rem;padding-top:1.75rem}.md\:pb-\[56\.3\%\]{padding-bottom:56.3%}.md\:pr-7{padding-right:1.75rem}.md\:pr-8{padding-right:2rem}.md\:text-left{text-align:left}.md\:text-2xl{font-size:1.5rem;line-height:2rem}.md\:text-3xl{font-size:1.875rem;line-height:2.25rem}.md\:text-4xl{font-size:2.25rem;line-height:2.5rem}.md\:text-5xl{font-size:3rem;line-height:1}.md\:text-\[14rem\]{font-size:14rem}.md\:text-lg{font-size:1.125rem;line-height:1.75rem}.md\:text-sm{font-size:.875rem;line-height:1.25rem}.md\:text-xl{font-size:1.25rem;line-height:1.75rem}.md\:leading-4{line-height:1rem}.md\:leading-6{line-height:1.5rem}.md\:leading-\[14rem\]{line-height:14rem}.md\:leading-tight{line-height:1.25}}@media (min-width:1024px){.lg\:absolute{position:absolute}.lg\:relative{position:relative}.lg\:-right-\[55px\]{right:-55px}.lg\:left-0{left:0}.lg\:top-0{top:0}.lg\:top-\[40px\]{top:40px}.lg\:top-\[80px\]{top:80px}.lg\:col-span-2{grid-column:span 2/span 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- var(--tw-space-x-reverse)));margin-right:calc(1rem*var(--tw-space-x-reverse))}.lg\:space-y-0>:not([hidden])~:not([hidden]){--tw-space-y-reverse:0;margin-bottom:calc(0px*var(--tw-space-y-reverse));margin-top:calc(0px*(1 - var(--tw-space-y-reverse)))}.lg\:border-t-0{border-top-width:0}.lg\:py-16{padding-bottom:4rem;padding-top:4rem}.lg\:py-36{padding-bottom:9rem;padding-top:9rem}.lg\:pl-6{padding-left:1.5rem}.lg\:pr-10{padding-right:2.5rem}.lg\:pt-0{padding-top:0}.lg\:text-left{text-align:left}.lg\:text-2xl{font-size:1.5rem;line-height:2rem}.lg\:text-3xl{font-size:1.875rem;line-height:2.25rem}.lg\:text-8xl{font-size:6rem;line-height:1}.lg\:text-base{font-size:1rem;line-height:1.5rem}.lg\:text-lg{font-size:1.125rem;line-height:1.75rem}.lg\:text-xl{font-size:1.25rem;line-height:1.75rem}.lg\:text-xs{font-size:.75rem}.lg\:leading-4,.lg\:text-xs{line-height:1rem}.lg\:leading-6{line-height:1.5rem}}@media (min-width:1280px){.xl\:relative{position:relative}.xl\:mb-10{margin-bottom:2.5rem}.xl\:block{display:block}.xl\:flex{display:flex}.xl\:w-\[150px\]{width:150px}.xl\:max-w-lg{max-width:32rem}.xl\:grid-cols-3{grid-template-columns:repeat(3,minmax(0,1fr))}.xl\:grid-cols-4{grid-template-columns:repeat(4,minmax(0,1fr))}.xl\:grid-cols-5{grid-template-columns:repeat(5,minmax(0,1fr))}.xl\:grid-cols-\[1fr\2c 300px\]{grid-template-columns:1fr 300px}.xl\:justify-end{justify-content:flex-end}.xl\:px-0{padding-left:0;padding-right:0}.xl\:pr-6{padding-right:1.5rem}}@media (min-width:1360px){.\32xl\:block{display:block}.\32xl\:hidden{display:none}.\32xl\:w-\[calc\(100\%-350px\)\]{width:calc(100% - 350px)}.\32xl\:grid-cols-3{grid-template-columns:repeat(3,minmax(0,1fr))}.\32xl\:grid-cols-4{grid-template-columns:repeat(4,minmax(0,1fr))}.\32xl\:grid-cols-5{grid-template-columns:repeat(5,minmax(0,1fr))}.\32xl\:pr-8{padding-right:2rem}}.\[\&_img\]\:rounded-md img{border-radius:.375rem}.\[\&_p\]\:\!m-0 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brokerage account.</div> </div> </section> <section class="w-full gap-x-8 md:flex"> <section class="flex-grow 2xl:w-[calc(100%-350px)]" data-ga-module="content-body"> <div class="flex flex-wrap items-start gap-x-10 gap-y-2 border-t border-dotted border-black py-6 font-akshar text-sm font-medium tracking-wide sm:flex-row sm:items-center md:gap-y-4"> <div class="flex items-center"> <svg class="mb-1 mr-2 inline-block h-4 w-4 text-gray-700"> <use href="/images/icons/spritemap.svg#sprite-author"></use> </svg> <div> <a class="hover:text-brand-green" href="/author/meredithdietz">Meredith Dietz</a> </div> </div> <time datetime="2024-04-01T19:00:00+00:00"> <svg class="mb-1 mr-1 inline-block h-4 w-4 text-gray-700"> <use href="/images/icons/spritemap.svg#sprite-calendar"></use> </svg> April 1, 2024 </time> </div> <img class="w-full rounded-md border border-gray-100" src="https://lifehacker.com/imagery/articles/01HTB87J6M184DB2WJHMN22ACG/hero-image.fill.size_1248x702.v1711922202.png" alt="Two insurances bros looking at a screen" width="1248" height="702" srcset="https://lifehacker.com/imagery/articles/01HTB87J6M184DB2WJHMN22ACG/hero-image.fill.size_400x225.v1711922202.png 400w, https://lifehacker.com/imagery/articles/01HTB87J6M184DB2WJHMN22ACG/hero-image.fill.size_800x450.v1711922202.png 800w, https://lifehacker.com/imagery/articles/01HTB87J6M184DB2WJHMN22ACG/hero-image.fill.size_1248x702.v1711922202.png 1600w" sizes="(max-width: 1280px) 100vw, 1280px" > <div class="mt-2 font-akshar text-sm tracking-wide"> <span class="inline-block font-sans text-xs tracking-normal text-gray-600">Credit: Ground Picture / Shutterstock</span> </div> <article class="editor-content" data-autopogo> <hr class="custom-gradient-background my-6 h-[6px] max-w-[75px] border-0"> <p>When you put your money in a bank account, <a href="https://lifehacker.com/how-to-tell-whether-your-money-is-safe-in-the-bank-1850253688" target="_blank">you have reassurance</a> that your deposits are insured by the Federal Deposit Insurance Corporation (FDIC) up to $250,000 per depositor, per insured bank. This protects your savings in case the bank fails. But what if <a href="https://lifehacker.com/if-you-want-to-grow-your-net-worth-youre-going-to-have-1834613185" target="_blank">you invest your money through a brokerage firm</a>? That's where SIPC insurance comes in.</p><p><a href="https://www.sipc.org/" target="_blank" title="open in a new window" rel="noopener">SIPC (Securities Investor Protection Corporation)</a> is the closest thing investors get to insurance for their brokerage accounts and investments. While it doesn't protect against market losses like a decline in stock prices, SIPC does cover customers' cash and securities in case a brokerage firm fails.</p><h2 id="how-sipc-insurance-works">How SIPC insurance works</h2><p>SIPC is a non-profit, congressionally mandated corporation funded by assessments on its member brokerage firms. If a SIPC member broker-dealer becomes insolvent, SIPC steps in to recover customers' assets and return their cash, stocks, and other securities.</p><p>SIPC protection covers a maximum of $500,000 per customer, with a $250,000 limit for cash claims. So if your account contained $200,000 in stocks and $100,000 in cash, and your brokerage firm went under, you would be covered for the full $300,000 balance.</p><p>It's important to note that SIPC does not protect against declines in investment values due to market fluctuations. It only covers assets that are lost, stolen, or misallocated by a financially troubled brokerage firm.</p><h2 id="additional-protections-from-brokerage-firms">Additional protections from brokerage firms</h2><p>While SIPC is the legal minimum, many brokerages carry additional private insurance to further protect customer assets above the SIPC limits. For example, some brokers provide up to $25 million in account protection or more. Still, even with SIPC and private insurance backstops, investors should always be cautious about over-concentrating assets with a single brokerage firm. Diversifying across multiple institutions can further mitigate risk.</p><h2 id="the-takeaway">The takeaway</h2><p>SIPC insurance is an important safeguard that protects investors' assets from loss due to a brokerage firm's insolvency or misconduct. While not as comprehensive as FDIC insurance for bank deposits, SIPC still provides a layer of security for customers' cash and securities held at member brokerages. Understanding what SIPC covers—and what it doesn't—can give investors greater peace of mind when <a href="https://lifehacker.com/how-to-build-an-easy-beginner-set-and-forget-investm-1686878594" target="_blank">investing your hard-earned money through brokerage accounts</a>. For more of that priceless peace of mind, here’s <a href="https://lifehacker.com/how-to-find-and-hire-a-financial-advisor-who-won-t-rip-1729724424" target="_blank"><u>our guide to finding a financial planner who won’t rip you off</u></a>.</p> </article> <div class="mt-24 flex flex-col gap-x-8 lg:flex-row"> <div class="w-full"> <div class="custom-gradient-background mx-auto max-w-4xl flex-grow rounded-md p-[2px]"> <div class="relative flex items-center rounded bg-white p-6"> <div class="absolute left-[calc(50%-50px)] top-[-50px] w-full max-w-[100px] shrink-0 lg:relative lg:left-0 lg:top-0 lg:max-w-[150px]"> <div class="custom-gradient-background rounded-full p-[2px]"> <div class="rounded-full bg-white"> <img class="w-full rounded-full" src="https://lifehacker.com/imagery/authors/01HF2FBE4ASBWE2SZPMN349CSQ/image.fill.size_150x150.v1699834410.jpg" alt="Meredith Dietz" width="150" height="150" loading="lazy" > </div> </div> </div> <div class="mt-8 lg:mt-0 lg:pl-6"> <div class="font-akshar text-3xl font-medium">Meredith Dietz</div> <div class="mt-2 font-medium">Senior Finance Writer</div> <div class="editor-content prose:leading-normal prose-sm mt-4 line-clamp-2"> <p><p>Meredith Dietz is Lifehacker鈥檚 Senior Finance Writer. She earned her bachelor鈥檚 degree in English and Communications from Northeastern University, where she graduated as valedictorian of her college. She grew up waitressing in her family restaurant in Wilmington, DE and worked at Hasbro Games, where she wrote rules for new games. Previously, she worked in the non-profit space as a Leadership Resident with the Harpswell Foundation in Phnom Penh, Cambodia; later, she was a travel coordinator for a study abroad program that traced the rise of fascist propaganda across Western Europe.</p><p>Since then, Meredith has been driven to make personal finance accessible and address taboos of talking openly about money, including debt, investing, and saving for retirement. Outside of finance writing, Meredith is a marathon runner and stand-up comedian who has been a regular contributor to The Onion and Reductress. 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