If the market is good and the historical performance of the fund is good, high-net-worth funds can still be bought. If the market is not good and the historical performance of the fund is poor, it is not recommended to buy high-net-worth funds.

The net value of the fund will not determine the rise and fall of the fund, and the rise and fall of the fund is determined by the investment target. For example, stock funds mainly invest in a basket of stocks, and the rise and fall of the fund is determined by the stocks invested. When the invested stock goes up, the fund goes up, and when the invested stock goes down, the fund goes down.