Evaluate your risk tolerance first. Prudential Fund is a small fund company, and its performance is not very outstanding. In addition, the market is so bad now, and the probability of further decline is still great. So: 1 It is estimated that you will lose money for some time, and the loss will continue to expand; 2. Many funds have not returned their capital since 2007, and many people have lost more than 20% of their net worth, so investment funds should be prepared for long-term losses for 3-5 years. 3. I hope that in the next 1-3 years, the stock market will reverse and usher in a big bull market. You can return to your capital and make a small profit (because you are a fixed investment, the income is flat, only a small proportion), but I don't know how likely it is! In any case, you chose to invest in two risky stock funds of a small fund company with doubtful ability and buy them in a weak market. So if it were me, I would first suspend a fixed investment and control the risk. In addition, evaluate the performance level of these two funds in similar funds. If it is too bad, stop the fixed investment and change the base. Otherwise, it's trapped.