Qapital Goals accounts are held at an FDIC-insured bank partner, which means your money is covered up to $250,000. Money in a Qapital Invest account is not FDIC-insured. That’s because the FDIC only covers deposit accounts. However, your investment with Qapital is SIPC-protected, which means up to $500,000 ($250,000 in cash) is covered by the Securities Investors Protection Corporation (SIPC) should the company fail. It’s important to note that SIPC insurance doesn’t offer protection if you lose money due to market declines.