If the fund is a high-quality target, a loss of 20% can be settled. If the fund is not a high-quality target, a loss of 20% can stop the loss. Quality funds don't need to care about short-term losses.

If investors lose 20% when investing in high-quality funds, then adding positions is a better way to operate. Adding positions will reduce the cost of investors. The lower the cost of investors, the smaller the risk, and the higher the probability of withdrawing funds or gaining income in the future.