People don’t realize and a lot of posters here are confused thinking you have sign up to vanguard to purchase vanguard funds, same for fidelity. This is not true. There might be unique funds at vanguard, fidelity, Schwab, and other brokerage houses that you might not be able to buy if you don’t have an account with that broker. I’m sure you can buy a like fund with the brokerage house you belong too.
Instead of worrying about if your funds are safe, read how each broker handles each fund for ownership. In my Schwab money market fund, Schwab doesn’t actually own it, a 3rd party does so if Schwab would go under, my funds would still be accessible by me
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