[sonnhy]

Thank you for the quick anwser. I understood your answer to my first point, but, if you know, can you clarify the answer to my second question? If the bank fails, and my account in the bank, where I manage my investments, gets deleted.. where all my investments goes to? How can I manage them?

[mseebach]

They don't "get deleted". When a bank manages your stock holdings, it's actually a different part of the business from the bank that you deposit cash into. All they do is hold in their computer systems (for a fee) the document that certifies that you own a piece of stock in company X. Just like you don't lose your stored stuff if a self storage business goes bankrupt (they or their creditors never have a claim on the stuff, the stuff is unequivocally yours), you don't lose your stock certificates if the bank goes bankrupt.

[sonnhy]

Thanks for clarification.