I don't know whether you invest for a long time or a short time. If it is long-term, this fund is still worth investing, and this fund is a back-end expense, which can save a sum of money in the long run.

In addition, the fixed investment fund has nothing to do with the net value, not to say that a low net value is not good, but a high net value will have a good future performance, which depends on the operation level of the fund manager and the management strength of the fund company.

Personal advice can be fixed for a long time.