国投瑞银，被基民骂惨了...

Group 1 - The core issue is the record drop of 31.5% in the Guotou Ruijin Silver Futures LOF fund, marking the largest single-day decline in the history of domestic public funds [1][3][34] - The drop was attributed to a "technical adjustment" in the valuation method of the fund's silver futures contracts, shifting from domestic exchange prices to international market prices [3][36] - The adjustment was made without prior notice to investors, leading to significant losses for those who were unaware of the impending change [3][4][38] Group 2 - The Guotou Ruijin Silver Futures LOF fund, established in 2015, saw its scale increase dramatically from 22 billion yuan at the end of 2024 to 189 billion yuan by the end of 2025, a 7.6-fold increase [41] - As of January 30, the fund's market price was 5.247 yuan per share, significantly higher than its net asset value of 3.1944 yuan per share, resulting in a premium rate of 64% [42][10] - The fund's high premium was exacerbated by a limit on external subscriptions, which created a scarcity of shares and drove up market prices [48][44] Group 3 - The fund's management faced criticism for its lack of communication and transparency regarding the valuation adjustment, leading to investor complaints and a surge in complaints filed with regulatory authorities [6][38][20] - The company defended its actions by stating that prior notice of the valuation change could have led to panic selling and market instability, which is a common practice in the public fund industry [52][20] - Despite the significant drop, the fund's premium remained high at 88.94% after the adjustment, indicating ongoing risks for investors [56][24]