The possible reason is that, except for money funds, whether it is stock funds or bond funds, the net value of funds will fluctuate with the market. When the market goes up, it generates income, and when it goes down, it deducts income or principal. Sometimes, it will keep a balance, neither rising nor falling, neither making money nor losing money.

Therefore, it is normal to hold funds without gains or even losses. If you continue to be optimistic about the market outlook, you should hold it for a long time and be patient enough.