Robinhood 推出 Checking & Savings 账户 年利率3%【不推荐】【更新SIPC主席的回应】

【更新】昨天我对Robinhood这一新产品的态度引发了读者的不少争议。今天再来转载一个Bloomberg采访SIPC主席得到的回应,可以说Robinhood这个创新产品的危险性仍然是很高的:

“I disagree with the statement that these funds are protected by SIPC,” Stephen Harbeck, president and chief executive officer of SIPC, said in an interview Friday. “Had they called us, I would have told them what I just told you in that I have serious concerns about this. This has gigantic ramifications for the banking industry.”

Robinhood was not immediately available for comment when contacted by email Friday.

Harbeck said that he first heard about Robinhood’s product Thursday afternoon and called the Securities and Exchange Commission to see if the government regulator agreed with his view that these funds will not be protected.

“The statute that we administer says that we protect money with a brokerage firm that is used for the purchase of securities,” he added. “On Robinhood’s help page, it says that you don’t need to invest to use Robinhood checking and savings, that statement is wrong. If you deposit money for any other purpose, it is not protected.”

简单来说就是,Robinhood声称用户在他们的Checking&Savings里的钱是受SIPC保险保护的,然而SIPC保险的主席并不这么认为。


Robinhood 是一个零佣金炒股的券商,因为操作简洁又没有佣金,很受炒股新手们欢迎。今天打开 Robinhood 的话,会发现 Robinhood 现在推出了一个创新的产品:Checking & Savings 账户,年利率高达3%。点击这里 Get Early Access

然而这一产品和普通银行的savings账户还不太一样。首先我们要明确一个概念:Robinhood 不是一家银行!Robinhood 只是一家券商。存在银行里的钱是受 FDIC 保险保护的 (up to $250k),即使银行破产了你的钱也不会损失掉。但 Robinhood 不是银行,放在里面的钱不受 FDIC 保险保护!从这个意义上来说,哪怕你把钱存在 Redneck Bank 都比放在 Robinhood 的 Checking & Savings 账户里更安全。Robinhood 自己的说法是,尽管不受 FDIC 保险保护,但是你在 Robinhood 的资产是受 SIPC 保险保护的。按照我的理解,SIPC 保险主要负责的是在券商破产的时候,你在这家券商拥有的现金、债券、股票不会损失掉,当然自己的投资损失是没人为你负责的。而 Robinhood 的这个 Checking & Savings 账户是个很创新的产品,在SIPC那边,这个账户里的钱到底是当做cash还是当做某种fund,我们现在还不是很确定。如果是后者,真若是发生了 Robinhood 破产的情况,fund 的价格变低了,那损失本金的概率还是存在的…

这里我区分一下两种风险等级吧:

  1. 完全0风险,绝对不会损失本金,受 FDIC 保险保护的:普通银行的checking账户、savings账户、MMA (Money Market Account) 账户。
  2. 只投资极低风险的标的,在极端情况下有可能损失本金的:MMF (Money Market Fund)(例如 VMMXX 或者国内的余额宝)。

Robinhood 这个 Checking & Savings 账户我个人认为应当归类在第2类里面。然而在没有 FDIC 保险的情况下取 Checking & Savings 账户这个名字,还是有误导消费者之嫌疑的,其危险性很可能比2更高。当然这是我个人的理解,如果读者有异议欢迎在评论区讨论。

其实 3% 的年利率现在真的不算啥了, 随着美联储逐渐加息,各大网上银行的 Savings 利率都已经在 2% 或者更高了,大家可以移步Savings Accounts & MMA 利率排行榜查看(抱歉 更新的有点不频繁 大家可以点击文中各个银行的链接查看他们最新的利率)。

结论:需要注意钱放在 Robinhood 的 Checking & Savings 里面仍然有一定的风险,在明确风险的情况下可以自己考虑3%的利率是否适合自己。考虑到Robinhood这一产品有误导消费者之嫌疑,我个人并不推荐。


免责声明:本文作者不是CFA/CPA,对SIPC条款等解读并无专业基础。本文及其中任何文字均仅为一般性的介绍,绝不构成投资意见或建议。
Disclaimer: The author of this article is NOT CFA/CPA, and has no professional background about SIPC, etc. This article and any content herein are general introduction for readers only, and are not intended to be relied upon as investment advice or recommendations.


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