concerned about FDIC insurance limit?

[Shoe]

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Jimbo,

I was referring to the brokerage going under. (Pure speculation) They might have to pay off investors before they pay off clients.

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While your investments are not insured, you are insured from your broker going under (up to $500k I believe it is at Zecco). They do not own your stocks, you do. If they go under, you still own those stocks. They don't sell your stocks on their behalf to pay their debts. That would be stealing.