It's a graded fund. There are two copies. First of all, you should make sure whether you bought the A share of 164809 or 150055 directly.
I checked the fund contract for you: wise? What is the annual benchmark rate of return of the share agreement? " 1? Bank time deposit interest rate (after tax)? Bank time deposit interest rate (after tax)? +3? .5? %"。
In the end, there is no such thing as not being on the table. The financial manager dares to say so. It can only be said that the stock market will rise in three years. If it can rise to around 3000 points, it is estimated that it can make a profit of 6W. But this is risky, even if it is held for another three years, it may not be that high. It's a good thing you checked this time. If it was checked last year 10, it would still be a loss.
First of all, I would like to give you a suggestion: let your relatives directly ask the financial manager for confirmation, and it is best to record and back up. There must be some mistakes in the financial manager. With the evidence, we'll see how they deal with it. Or see what your relatives want to do.
Secondly, consider the risk tolerance of their loved ones. This finger base is a bit risky, but if it is held for a long time (for example, ten or twenty years), it will definitely make money. "It's your fault not to buy index funds." Remember this is what Buffett said. And the income should be good. For example, people who have been insisting on the fixed investment of the fund since more than 6,000 points have basically never lost money, and now the number of points is only over 2,300!
It is easy to judge whether this fund makes money or not. If the market goes up, it will go up. Like today's market rose by 0.50%, this index base should also rise by 0.50%. ?
Many people are optimistic about this year's market, but it may change with the hot spots, and the final index may not necessarily rise a lot. Therefore, in my personal opinion, it may not increase much this year.
If it is the pension money for the elderly, I suggest you accept it as soon as possible. Although it fell a lot after the holiday, it can't afford to hurt the pension money. If you don't use it for the time being, you can directly convert it into a bond fund of ICBC (insist with the bank before the conversion, it is best to find a compromise and find some compensation. The financial manager is misleading and the bank is also responsible). A fund company with a banking background has a good ability to take debt. This may be a good year. At present, the annual rate of return I have can basically reach 10%.
I have a lot to say today, hoping to help you and some people who have similar experiences. There are too many things that bank tellers mislead customers to buy bancassurance, wealth management and funds. They get a reward after completing the task, which may be the hard-earned money of customers for a lifetime!