If you buy a fund, see if there is any dividend. If you haven't paid dividends since you bought it, your purchase price has never been exceeded, and you really have a paper loss. But this situation is called floating loss, and it will become a real loss only if it is sold and no longer held.

If you hold it all the time, there will be dividends in the middle, and the purchase price-dividends = the actual cost exceeds the current fund quotation.

You will get out of trouble and start making money.

Therefore, as long as the fund that can continue to pay dividends is patient, it doesn't matter if it is bought high, and it will usher in a positive return day.

Of course, if you buy too much, the investment efficiency will decrease, which will affect your mood. However, this is the normal state of the investment market, and no one is an exception. It is impossible to keep buying at a low point, depending on the later performance.