Yes, investors can only get income when the fund rises, and that part of the income will become part of the principal, so the rise and fall of the fund will affect the change of the investor's principal. Funds go up, investors' principal increases, funds go down, and investors' principal decreases.

The rise and fall of the fund is determined by the investment target. When the investment target rises, the fund rises, and when the investment target falls, the fund falls. Funds can be divided into money funds, bond funds, hybrid funds, stock funds, index funds, ETF funds and linked funds according to investment targets.