【MT4 程式(Program)專業代寫服務】
LMAX Exchange – FX trading




免責聲明 »
凡本網站註明來源網絡或其他網站,均為轉載稿,本網轉載出於傳遞更多信息之目的,並不意味著贊同其觀點或證實其內容的真實性,也不構成任何投資建議。對於訪問者根據本網站提供的信息所做出的一切行為,本網站不承擔任何形式的責任。本網站僅提供經濟信息,並僅供參考;亦不提供證券、基金、銀行、保險、金融任何業務與服務;不推薦任何相關商品和服務;不與任何人簽署任何海外證券投資協議,不進行海外金融產品交易,不接受任何人投資資金。

2014/11/07

SIPC是否保護美股賬戶內的基金產品和外國投資者開立的賬戶?

很多进行美国券商开户的朋友,对于SIPC这个保护机制应不陌生,也有很多朋有开美股账户的目的,和我一样是进行基金投资~这时候不禁会想到一个问题,就是SIPC是否保障美国券商户头的基金部位?是否一视同仁,对外国人的股票资产也进行保护?
我也曾想过这两个问题,并写信问了SIPC,附上我的信件与SIPC回函给大家参考:
我的信件:
From your Website I know cash and securities are covered. If I invest in open-end mutual funds, are these investments also qualified for protection when the broker has financial difficulties?
I’m in the midst of construction my portfolio and am close to transferring money to a US brokerage until I read somewhere on the Net that non-US companies are not protected – it’s alluded that non-US individuals aren’t protected as well.
I tried looking for this specific exclusion on SIPC’s website but couldn’t find it. In fact, in this page, it didn’t say anything about foreign investors:
4. Who is not eligible for SIPC protections?
Most customers with cash and securities missing from customer accounts are eligible for SIPC assistance. However, SIPC’s funds may not be used to pay claims of any failed brokerage firm customer who also is:
– A general partner, officer, or director of the firm.
– The beneficial owner of five percent or more of any class of equity security of the firm (other than certain nonconvertible preferred stocks).
– A limited partner with a participation of five percent or more in the net assets or net profits of the firm.
– Someone with the power to exercise a controlling influence over the management or policies of the firm.
– A broker or dealer or bank acting for itself rather than for its own customer or customers.
Does that mean that non-US investors are protected? Does anyone know for sure?
很多進行美國券商開戶的朋友,對於SIPC這個保護機制應不陌生,也有很多朋有開美股賬戶的目的,和我一樣是進行基金投資~這時候不禁會想到一個問題,就是SIPC是否保障美國券商戶頭的基金部位?是否一視同仁,對外國人的股票資產也進行保護?
我也曾想過這兩個問題,並寫信問了SIPC,附上我的信件與SIPC回函給大家參考:
我的信件:
From your Website I know cash and securities are covered. If I invest in open-end mutual funds, are these investments also qualified for protection when the broker has financial difficulties?
I'm in the midst of construction my portfolio and am close to transferring money to a US brokerage until I read somewhere on the Net that non-US companies are not protected – it's alluded that non-US individuals aren't protected as well.
I tried looking for this specific exclusion on SIPC's website but couldn't find it. In fact, in this page, it didn't say anything about foreign investors:
4. Who is not eligible for SIPC protections?
Most customers with cash and securities missing from customer accounts are eligible for SIPC assistance. However, SIPC's funds may not be used to pay claims of any failed brokerage firm customer who also is:
– A general partner, officer, or director of the firm.
– The beneficial owner of five percent or more of any class of equity security of the firm (other than certain nonconvertible preferred stocks).
– A limited partner with a participation of five percent or more in the net assets or net profits of the firm.
– Someone with the power to exercise a controlling influence over the management or policies of the firm.
– A broker or dealer or bank acting for itself rather than for its own customer or customers .
Does that mean that non-US investors are protected? Does anyone know for sure?
相關資訊– 在中國大陸如何買入或做空美股:
其實身處國內的投資者不出國也能在網上開戶做空或買入美股、ETF(紐交所、納斯達克或OTCBB、粉單市場上的股票),只要找能開國際賬戶的美國本土網上券商開立賬戶就可以(當然,這家網上券商必須是參加SIPC強制保險的,因為美國政府規定全部券商都必須是SIPC會員),具體開戶步驟可參考這裡:http://usa-investment-taiwan.blogspot.tw/2014/10/firstrade.html
SIPC回函:
Money market funds and mutual funds are considered securities for purposes of the Securities Investor Protection Act and are subject to the $500,000 limit. In a liquidation proceeding under the Securities Investor Protection Act, SIPC will return the appropriate number of shares to you. It is important to note that SIPC does not assure you that the shares will not lose value, and SIPC does not protect you against market losses in the value of your shares.
There is no requirement that a customer having an account with a member broker-dealer of SIPC reside in or be a citizen of the United States. As long as you are dealing with a broker-dealer that is a member of SIPC your account is covered exactly like the account of a resident or citizen of the United States. In a liquidation proceeding under the Securities Investor Protection Act, SIPC may advance up to $500,000 per customer account (including a $250,000 limit on cash in the account).
從SIPC的回信可知:
透過券商投資基金也在保障範圍之內,外國人的資產也受SIPC保護。