실적배당상품의 원금 보장 (소비자피해 Q&A)

Q: '적립식 목돈 만들기 투자신탁'에 가입하였는데, 이자는커녕 원금에 손실이 났습니다. 원금을 돌려받을 수 있나요?

A씨는 매월 적립하고 다른 적금보다 이자를 조금 높게 받아 만기에 목돈을 만드는 줄로만 알고 '적립식 목돈 만들기 투자신탁'에 가입하였는데,

이자는 커녕 원금 손실을 입었다.

A씨는 답답한 마음에 원금을 돌려 받을 수 있는지 한국소비자원에 문의를 하였다.

A: 투자신탁상품은 투자자로부터 모은 자금을 운용성과에 따라 그 실적을 배분하는 것으로 원금 손실이 발생할 수 있고 예금자 보호가 되지 않는다.

종종 통장이나 약정서, 그리고 투자설명서 등을 받아보아도 일반인은 이해하기 어려운 용어로 기재되어 있어 제대로 모르고 가입하는 경우가 허다하다.

상품을 판매하는 창구직원조차 '원금에 손실이 날 수 있다.'라는 조언을 해주지 않고 더군다나 증권회사가 아닌 은행에서 판매하는 경우 적금과 혼동하기 쉬워 소비자가 손실날 것이라는 생각을 하지 못하는 경우가 많이 발생한다.

이에 한국소비자원은 투자신탁상품은 본질적으로 원금보장이 안되는 실적형 상품이기 때문에 소비자가 적금으로 오해했다고 원금 손실이 날 경우 원금을 돌려달라고 하기는 어렵다는 답변을 내 놓았다.

따라서 A씨는 원금을 돌려받기 어렵다.

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