It's a capital preservation fund.
1. The warranty period is 3 years.
The capital preservation condition is: subscribe and hold for 3 years until the end of the guarantee period. (20 13-6-26 to 20 16-6-25)
Your purchase in June should be a subscription. If it is redeemed in advance, the principal will not be broken.
2.20 13 12.26 is a restricted opening period (open once every six months), that is, you can apply for redemption, but the net redemption share cannot exceed 15% of the total share.
Therefore, if there are too many redeemer, it may only be partially redeemed.
3. The performance benchmark of the Fund is "
After tax, the interest rate of RMB three-year bank time deposit +0.25% is 4.50%.
The benchmark of performance comparison is to compare the investment performance of the fund with this benchmark to see if it is done well, rather than ensuring that there are so many.
So what the salesperson said about yield to maturity's 5.2% is definitely wrong. Funds shall not publicize capital preservation (except those that meet the requirements) and guaranteed rate of return.
You really can't complain unless you have proof that the financial manager lied to you. We can only wait until the net value of the fund rises to see the situation. Maybe you can make a good profit after three years.