Verbal commitment is really difficult to defend rights, and it is best to have written or other evidence! You can complain to the regulatory agency of the company where this person works to see if there is a date. If you bought it in a bank, you can complain to the CBRC; If you bought it in a securities company, then you can invest in the CSRC!
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Here are some precautions for you to buy a fund:
Buying a fund to a securities company is a relatively optimal choice! Reason:
1, the securities company represents 98% of the funds of the fund company, which is enough for our personal choice!
2. The fund handling fee of securities companies is generally 0.4%, and that of banks is generally 1%-2%!
3. Securities companies still have certain advantages in grasping the macro-environment and market trends. After all, they are professionals! Moreover, the information specialty of securities companies is rich!
4. In securities companies, we can open stock and fund accounts for free, not only to buy funds, but also to buy investment tools such as stocks, bonds and warrants! Do one more thing! Some companies have gifts!
5. After the securities company opens an account, we can purchase, purchase, redeem, query and other related operations on the fund anytime and anywhere through the computer! And you can also call customer service directly for voice self-help operation or manual consultation!
In short, buying funds through securities companies: convenient, fast and simple! The biggest headache is the problem of bank queuing, you know! !
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Several problems that should be paid attention to when purchasing funds;
1. Don't trust those marketers who recommend "good funds" easily, because the funds they recommend are probably recommended by the company and may not be beneficial to investors.
2. Try not to buy new funds. There is no discount on the subscription fee for new funds, and there will be a great cost for new positions! Moreover, there are some hard and fast rules in Public Offering of Fund, that is, when the offer expires, positions must be opened within the specified time, which is too rigid! Imagine that if the market happens to be at a high level, the new fund must open a position! That loss is inevitable! !
3. When buying a fund, you must know its past performance, and don't listen to the hype of marketers about the future. Past performance is not done well! Even if it can be done well in the future, it is also a small probability event! So many funds with excellent performance in the past, why should they indulge in such a small probability event!
4. The quality of investment income has little to do with the net value when buying a fund! It is foolish to expect to buy a fund with low net worth to earn higher future returns. The future income depends on the relative increase of the fund's net value, not our absolute cost!
5, even if the fund company's fund is well-known, you can't buy it without considering it! Because every fund company will seriously "manage" some good funds as signboards! Put the money in your left pocket in your pocket! You can't buy a good fund, maybe people don't want you to buy it! I made it myself!
6. The funds we buy are basically held in the short and medium term, so since we decide to buy them, why not buy them when the market is adjusted or oversold? ! This will make our fund's opening cost relatively lower!
7. Learn more about financial management when you have time, because financial management will accompany us all our lives! It's better to ask for help than to ask for help!