The principal will not be deducted, and the deduction of the principal seen by the user is actually a decrease in the net value of the fund. Judging from the short-term fund assets held by users, fund dividends are neutral, neither paying nor earning. Dividends are part of the fund's net value, so the total assets held by users are unchanged regardless of dividends or not. Not all funds have dividends, and funds do not necessarily pay dividends once a year. Dividends of open-end funds can only be distributed if certain preconditions are met.