These days, it would be prudent to be mindful of fund security.  Banks have been folding, and so wondering about the fund security of your various accounts is something you should be doing.  Your investment plan, IRA's, and mortgage are some incredibly important things and you have to keep them safe.  The FDIC insures certain accounts up to a point – right now, it's up to $250,000 of coverage.  It's normally set to $100,000, but the limit has been raised until 2013.  Check to make sure your bank is FDIC insured, as that is the best way to ensure fund security – and if not, it might be worth personal loans to switch your accounts to a bank that is.