Español Search Query ABOUT SIPC CASES & CLAIMS FOR INVESTORS FOR MEMBER FIRMS NEWS & MEDIA CONTACT US LIST OF MEMBERS Investors with Multiple Accounts SIPC protection of customers with multiple accounts is determined by "separate capacity." Each separate capacity is protected up to $500,000 for securities and cash (including a $250,000 limit for cash only). Accounts held in the same capacity are combined for purposes of the SIPC protection limits. Examples of separate capacities are: individual account; joint account; an account for a corporation; an account for a trust created under state law; an individual retirement account; a Roth individual retirement account; an account held by an executor for an estate; and an account held by a guardian for a ward or minor. Additional information on separate accounts may be found in SIPC's Series 100 Rules. The following are examples of separate accounts: Mary has an account in her name at her brokerage firm. Mary is protected by SIPC up to $500,000. Joe has two brokerage accounts, each in his own name. For purposes of SIPC protection, Joe’s accounts are combined, and Joe is protected by SIPC only up to a total of $500,000. Joe and Mary are married and they have a joint brokerage account which is separate from the individual accounts that they each have at the firm. An additional maximum of $500,000 of SIPC protection is available for the joint account. Joe has a Roth account and an IRA account, at the same brokerage. Joe is protected up to $500,000 for the Roth account and up to $500,000 for his IRA account. Home About SIPC Cases & Claims For Investors For Member Firms News & Media Contact Us List of Members Search Español Disclaimer Privacy Policy Site Map Get In Touch Securities Investor Protection Corporation 1667 K St. N.W., Suite 1000 Washington, D.C. 20006-1620 Telephone: (202) 371-8300 Fax: (202) 223-1679 Email: asksipc@sipc.org