If the fund has been bought for a year, it has not made any money and has been in a state of loss, then it is necessary to analyze the reasons for the decline of the fund. If the whole fund sector is falling and the fund itself is fine, you can consider redemption or continue to wait and see.
However, if the fund sector is rising, it is only falling, so it depends on whether the fund manager has changed it, because the fund is managed by the fund manager.
For example, check whether there have been frequent fund managers. If there are frequent fund managers, the average term of office is even less than one year, and the performance of the fund has been falling much, such funds can give up, stop losses in time and retain the remaining funds.
If the fund has a good performance in the past, but the whole fund sector is falling this year, so is this fund. If the fund market is not good, you can choose to hold the fund and wait and see, and then add positions when the fund rebounds to earn back the lost money.
If you wait all the time, you may not make money. It depends on the follow-up fund market. When the fund goes up, investors will make money by selling at a high level. If the fund continues to fall, investors will lose money if they sell at a low level.
When buying a fund, you should know more about the fund and not buy it blindly. If you buy it without knowing anything, the possibility of loss will be greater.