Negative fund growth does not necessarily mean a loss. For example, the initial transaction price of the fund in 2 yuan fell by 2.4% the next day, so the net value of the fund the next day is estimated to be 1.952 yuan. At this time, as long as you don't sell and continue to hold, then short-term negative growth is not a loss. As long as the net value of the fund is higher than the initial purchase price on the day of sale, and the amount received after deducting the handling fee is greater than the initial payment amount, then the investment is considered profitable.