After the loss of the fund's principal, it will not be in debt, because the loss is a decrease in the net value, and the purchase of the fund is calculated according to the share. Even if it has been losing money until it can no longer lose money, the net value of the fund will only fall to the lowest, so it will not be in debt.

If the fund is in a state of continuous loss, you can choose the way of redeeming the fund, with the aim of reducing the loss cost and waiting until the fund stabilizes before buying.