[burntoutfire]

You're basically never 100% safe. In this particular case, the broker at which you bought the index fund units can scam you. It actually happened in Poland maybe 10 years ago - managers at a respectable brokerage firm were taking in orders from people but, instead of buying the requested papers, bought something else which they believed would be more profitable. They ended up being wrong and, when the clients wanted to eventually "sell" their papers (which were never bought in the first place), the company folded as it didn't have enough to pay the clients.

[spurdoman77]

You are also never 100% safe if you are poor.

[wolco]

You are never safe but millions/billions gives you options.