personal pension investment is lost, so this can only be compensated.

It is estimated that we can't find any evidence to prove that the staff of the bank have made any promise of risk-free, guaranteed income and guaranteed capital.

and the relevant purchase agreement, if any, can't find any favorable terms from it.

What we can do now is to learn more about this fund and see if it is necessary to change the fund with better performance and try to recover some losses.

If you are not in a hurry to spend money and can afford to wait, then take the fund. After all, the Shanghai stock index is only 2, points now. It is still possible to return to the original in the future. If you need money urgently, or don't want to suffer any more, you can only redeem the cut meat.

Personal pension system generally refers to the institutional arrangement that the government encourages individuals to pay into special accounts, and individuals choose corresponding and qualified pension financial products to invest according to their own risk-return characteristics, so as to accumulate pension assets. At present, China's old-age insurance system consists of three levels: the basic old-age insurance, which is led and managed by the government, is the "first pillar", occupying a dominant position, and its scale has exceeded 6 trillion yuan; The enterprise annuity and occupational annuity advocated by the government and independently developed by enterprises are the "second pillar", with a scale of about 2 trillion yuan; The personal pension system, including personal savings pension insurance and commercial pension insurance, is called the "third pillar", and it is only piloted in some areas, and the scale is still small

Legal basis: Article 21 of the Social Insurance Law of the People's Republic of China

The new rural social pension insurance benefits are composed of basic pension and personal account pension. Rural residents who participate in the new rural social endowment insurance meet the conditions stipulated by the state and receive the benefits of the new rural social endowment insurance on a monthly basis.