 How much of my investments will I be able to recover and how? Also, does it matter if my accounts are IRAs, Roth IRAs, or conventional brokerage accounts? So, Jack, that's a good question. So the good news is if you think about if you own shares in the S&P 500 through Vanguard in your brokerage account or you own shares of, let's say, Costco, you are the owner of those shares. And so the first thing I would tell you is the SIPC has a guarantee guarantee.