[jmhyer123]

Except all of those are insured by the FDIC so there's almost no risk outside of market volatility.

[rootsudo]

Wrong.

It does not protect if the asset invested in goes down in value.

FDIC is protection against the bank being insolvent.

SIPC does not protect customers against losses from the rise and fall in the market value of investments.

https://www.sipc.org/for-investors/what-sipc-protects