The investment manager of the bank just gives you a recommendation. For example, this consignment fund, according to the purchase situation of those customers before, performed very well. Most people can make money and then recommend it to this customer. You can try. However, when people recommend it, there is no guarantee that they will make money. The fund itself is risky. How does it get benefits without risk? But now I need to be clear about the risks. After all, do people have to pay for their losses, and do they have to give part of their profits to their investment managers? It doesn't make sense.
Be cautious when investing in risky markets, whether it is the stock market or the fund market. The risk of the fund is relatively small, because its multi-layer position structure determines that it will not collapse directly like the stock market. Because its positioning is more complicated, it is difficult to make a lot of money when making money. If it loses money, it won't lose much, but it will still lose money. Because the fund can't guarantee everyone to make money, if it's that simple, everyone will not invest in the physical industry, because the risk is high, and it is easy to make money by buying a fund.
Although the investment manager and account manager of the bank are not responsible for this loss, it will directly affect his business performance, because if his final evaluation of serving customers is another investment manager, he will not recommend those loss-making funds, resulting in me not making much money or even losing money in a year, then his future customers will definitely be few, because let alone external factors and force majeure factors, investors only know that this thing you recommended to me makes me. There is no way, so the investment manager will give you this recommendation very carefully.