Na reddite som nasiel velmi pekne vysvetlenie ako to cele funguje v pripade bankrotu brokera. Podla toho viac ako krach brokera by nas mala zaujimat stabilita custodiana ktory drzi nase investicie, ak klakne ten, ziadna kompenzacna schema nam nepomoze :
The 20K compensation scheme is not intended to safeguard you from bankruptcies. Your safeguard against default comes from asset segregation as IB is required to separate your assets from theirs into a separate entity (bankruptcy-remote custodian, Interactive Brokers Ireland Nominee Ltd.). In doing so IB needs to comply with MiFID regulations and is supervised by the central bank of Ireland.
The compensation scheme is there to protect you from fraud and failings in the asset segregation. I.e. in case your securities or cash are unable to be returned to you.
For IB your financial securities are allowed to be held by third-party sub-custodians (which means you have exposure to a custodial chain and hence to other legal entities than IB-affiliated entities). Your VWCE/EMIM/IWDA holdings are recorded at the custodian level, however although you are the legal owner of these securities, it's the custodian that will show up as the owner on the ETF's list of ownership. It's unlikely for a custodian to default, but should it happen the losses are shared over investors on a pro-rata basis since it's a pooled custodial account (much like the example below).
Holding cash is more risky since it is held in a pooled bank account (and bank deposits are NOT separated from a bank's assets). Hence losses are mutualised and for example on a 100K cash pool where 1K is yours, if 10K goes missing (either by fraud or by default of a bank at which IB holds the cash), that's 10% of the 100K which will be distributed pro-rata! The custodian registered that you had 1K cash but that 1K is not identified as a specific part of the pool of cash. Hence on your 1K cash you lose 100 euro. Which is why they don't hold the money at a single bank, but diversify across many large banks. The loss also depends on how much money IB can recover under the EU's bank resolution and recovery regulations.
IB is allowed to hold some or all cash in qualified money market funds that they select, they are fully obligated to pay back the principal should any of those QMMF's default.
All of this is documented in more details in the attached documents they asked to read prior to giving your OK for the transfer. Now as to IB itself, I have no real worries about their financial health and the fact that it's a large and reputable broker reassures me.
Under the investor compensation scheme of Ireland your holdings (securities & cash) are insured for 90% of their current value at court ruling date or Central bank of Ireland's determination (see below), up to a total compensation of 20K per investor. So a 22.2K portfolio would put you at that treshold. However if only 50% of that portfolio was defrauded and the other 50% was returned to you, the scheme would pay you 9.99K (90% of 50% of the 22.2K portfolio).
As I mentioned it is per investor, and hence my understanding is that a joint-account with your spouse would be covered up to 44.4K (90% of it brings you to 40K, which is 2x20K). Joint-accounts however have their own issues, with taxes, estate-planning and the fact that your spouse will be able to withdraw everything and disappear.
I mentioned that bankruptcy of the broker is not the main issue as your assets per industry standard are held separately from IB's assets and hence are bankruptcy-remote from the broker. However take note that the broker's bankruptcy (here Interactive Brokers Ireland, or its affiliated custodian, which is really unlikely) is the trigger event. IN ADDITION the central bank of Ireland needs to determine that IB cannot return the cash or investments to you OR a court ruling that prevents IB from returning the cash or investments to you.
Hence there is a gap as the current EU Directive does not cover a potential failure of a custodian with whom an investment firm has deposited a client's assets. So, in a case where a third party custodian is not able to return the financial instruments to the firm or the client, the client will not be able to benefit from any compensation payment under the Directive.
This creates a potentially large gap in coverage under the Directive as whether an investor is eligible for compensation may depend on whether the investor's investments are being held by the firm or by a third party.
For IBIE this is the list of counterparties they put forward under their documents.
https://gdcdyn.interactivebrokers.com/U ... ormdb=4350
A proposal was made in 2010 to close this gap, and also increase the minimum amount from 20K to 50K, as well as up the coverage ratio to 100% instead of 90% and the timing of the compensation to max 9 months after the default... but it was pulled.
https://ec.europa.eu/info/business-econ ... schemes_en
,,Amatérski investori investujúci pasívne do indexového fondu budú mať v dlhodobom horizonte lepšie výnosy ako profesionálni manažéri fondov,, Buffett 
Vzdelávanie a užitočné info zadarmo: 
dobre vediet ,,,ja som stale robil conversion ,,aj ked to uz bolo davno , kedze som 100% investovany a nove $ som uz davno neposielal.