Arigato, {{ first name | dear investor }},
A lot of people have been messaging me recently after seeing the news about China cracking down brokers like Moomoo and Longbridge.
Some even asked me:
“Chloe… should I quickly withdraw all my money and close my brokerage account?” 😳
Personally?
I’m not panicking.
And I wanted to take some time to explain this in a very simple way, because I think many investors are reacting emotionally without fully understanding how brokerage accounts actually work.
For brokers like Longbridge and Moomoo Singapore, they are regulated by MAS in Singapore.
And one important thing they mentioned is this:
Clients’ money is kept separately from the company’s own money.
What does this mean in simple English?
If you deposit $10,000 into your brokerage account, that money is not supposed to be used by the company to:
pay staff salaries
pay office rent
pay company debts
or fund their business operations
Your money is supposed to be kept separately as clients’ assets.
For example, Longbridge shared that DBS Bank is the custodian bank holding clients’ monies.
On top of that, if you invest in US stocks and options like I do, there is also something called SIPC protection in the US.
Very simple explanation:
If a broker or custodian handling your US shares fails financially or collapses, SIPC helps protect customers’ assets up to US$500,000, including up to US$250,000 cash protection.
This is also one of the reasons why I personally still feel comfortable investing through US brokerages and platforms.
Of course, no investment platform is ever 100% risk-free.
And that’s exactly why I personally believe so much in diversification.
Not just diversifying into different ETFs…
But also diversifying across different brokerage accounts.
Right now, I personally split almost my $1.8 million portfolio across different brokerages like Longbridge, Moomoo, and Webull.
Not because I think they are unsafe.
But because diversification gives me peace of mind 😊
At the end of the day, I think this situation is a very important reminder:
Sometimes scary headlines create more fear than necessary.
The most important thing is to understand how things actually work before making emotional investing decisions.
That’s why learning proper investing is so important ❤️
And if you truly want to learn how to invest properly, safely, and peacefully instead of reacting emotionally to headlines every time the market gets scary…
I’ll be teaching all of this inside my 3-Day Options To Freedom ETF Mastery Bootcamp.
Today is also the LAST day to receive the April batch bootcamp recording as a special bonus when you sign up.
Meaning:
you can start learning immediately with the April recordings AND still get your live seat for the July bootcamp 😊
Would love to have you join us,
and keep learning together—the Arigato way 💛
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Arigato!
Chloe
Arigato Investor
Just a quick heads-up 🌸 Except for Instagram, where I may reply if you comment on my posts, I’ll never initiate a private message to you on any platform. So if you ever get a DM from someone claiming to be “Chloe” or “The Arigato Investor” on Telegram or TikTok — please know that’s not me. It’s a scammer impersonating my account. Stay safe and always double-check 💛
The information provided in this newsletter is for informational purposes only and does not constitute financial advice. Readers should seek their own independent financial advice before making any investment decisions. Please note that the opinions expressed in this newsletter are Chloe's own and do not represent the views of any organization. Always perform your own research and due diligence before investing. 💛
