No.

The country will not die just because the fund does not rise. The fund may still have income, but income expectations must be lowered. The general view among brokers is that the stock market will perform better in the first half of the year than in the second half, which means that the stock market will go higher in the first half of the year and will go lower in the second half of the year. The fund is strongly correlated with the stock market, and the fund's net value will probably follow the same trend. Without discussing the issue of bull and bear markets, we cannot draw this conclusion. After the epidemic is brought under control in major countries around the world, the tightening of liquidity by central banks will inevitably have a profound impact on the stock market, and there will not be various rises and falls like in 2020. Even in the "bear market" of 2018, there are still funds with positive returns.