How is that possible? The balance of the fund is based on the score of the fund you purchased and the net value of the fund unit on your redemption date. It's just that there is a handling fee when redeeming. If you pay for it for three years before you buy it, there will be no handling fee. If you pay after buying it, it usually takes five years to get rid of the handling fee, but the handling fee for three years is generally only about 0.9%. You can redeem the money at any time, directly to the bank or online. You said that you have bought it for three years, and this money should not be lost, because the index three years ago is now almost 2500 points. By the way, I asked what fund you bought. If it is a stock fund, it may lose a little, I estimate it will not exceed 5%. If it is a debt fund and a money fund, it is definitely not a loss, and it is definitely a profit.