If it is lower than the net purchase value, of course, it will lose money. You can admit the loss and leave or wait. It depends on whether the overall market is bad or the fund manager's ability is not good. Of course, the former should stay, because a long-term bear market for bonds is generally impossible, and a one-year decline can give birth to a good investment opportunity. Liquidity is something we should consider, but we should make flexible decisions.

Your time requirement is too high. I asked for it before. And it taught me a terrible lesson. I feel that the market is basically in place, and I still need to hedge. Just resolutely redeem it. Look at the general direction, not informal. Not much difference. If you hesitate to miss the opportunity again and again, it may take a long time. For example, stock funds, for example, have fallen a lot today, and I feel that they can recover. Let's talk about it tomorrow. The result fell again tomorrow. This mentality is unacceptable, and it is most important to make a quick decision. Don't be too demanding. To pursue the right direction, don't lose big because of small.

If you don't understand, sincerely welcome questions; If I am lucky enough to help you, please adopt in time! thank you