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How can I recover my money if my identity is stolen and I buy Penghua Fund?
The funds in the fund account opened by others in your name are thieves' funds, and the fund account is not allowed to be overdrawn, so it will not endanger your property. But because your identity information has been stolen and you can't open an account yourself, you can consider the following solutions:

Report the loss of the account opened by identity theft, and then re-open the account yourself.

Report to China Securities Depository and Clearing Corporation that China Securities Depository and Clearing Corporation will cancel the account. However, it should be noted that you can't go through the cancellation procedures yourself, because you need a securities account card to cancel the securities account, and the securities account card is in the hands of thieves.

According to the Rules for the Administration of Securities Accounts, the account opening agency is obliged to examine the validity of the applicant's identity certificate and the accuracy and completeness of the account opening application documents.

China Securities Depository and Clearing Corporation checks the securities accounts and finds that the natural person account has no name or the institutional account has no full name; There is no valid ID number; Account opening information is untrue; Illegal use of other people's identity information to open an account; Those who illegally use other people's securities accounts have the right to revoke or restrict their use.

So, if you want to cancel this account, you can do so. In addition, you can also negotiate with the account opening institution and ask for some compensation.

Matters needing attention in investment funds:

Pay attention to arrange the proportion of fund varieties according to your risk tolerance and investment purpose. Choose the fund that suits you best, and set an investment ceiling when buying partial stock funds.

Be careful not to buy the wrong "fund". The popularity of funds has led to some fake and shoddy products "fishing in troubled waters", so we should pay attention to identification.

Pay attention to the later maintenance of your account. Although the fund is worry-free, it should not be left unattended. Always pay attention to the new announcements on the fund website, so as to have a more comprehensive and timely understanding of the funds you hold.

Pay attention to buying funds and don't care too much about the net value of funds. In fact, the fund's income is only related to the net growth rate. As long as the fund's net growth rate stays ahead, the income will naturally be high.

Be careful not to "love the new and hate the old" and blindly pursue new funds. Although the new fund has inherent advantages such as preferential prices, the old fund has long-term operating experience and reasonable positions, which is more worthy of attention and investment.

Be careful not to buy bonus funds unilaterally. Fund dividend is the return of investors' previous income, so it is more reasonable to change the dividend method to "dividend reinvestment" as far as possible.

Be careful not to talk about heroes in the short term. It is obviously unscientific to judge the pros and cons of the fund by short-term ups and downs, and it is necessary to make a comprehensive evaluation of the fund in many aspects and conduct a long-term investigation.

Pay attention to flexible investment strategies such as steady and worry-free fixed investment, affordable and simple dividend transfer.