are my stock and mutual fund holdings protected by the fdic 
no fdic insurance doesn t cover or offer loss reimbursement for mutual funds stocks annuities life insurance policies or bonds the bottom linethe fdic insures deposits in u s banks and thrifts in the event of a bank failure or run it was created during the depression to bolster consumer confidence and encourage stability in the financial system the agency insures deposits up to 250 000 per depositor as long as the institution is a member firm it s important to confirm whether a banking institution is fdic insured before opening an account or making a deposit there 