Although the risk of the fund is smaller than that of the stock, the fund also fluctuates. Especially in the face of the fund that keeps falling, many holders are very anxious. There is a question: If the fund continues to fall, resulting in the loss of the fund principal, will it be deducted?

Will the fund be deducted if it loses money?

No, the fund income is calculated according to the holding share. If the share held by investors remains unchanged, there will be no deduction after the loss of principal. Even in the final liquidation of the fund, the fund manager will distribute the remaining assets of the fund to investors according to the share held by investors. When the net value is lower than the cost of the position, the investor will lose money. If you close the position and the net value is higher than the cost of holding the position, then the investor will make a profit.

Funds belong to medium and long-term investment products, and only long-term performance can represent their real value. When the fund falls and produces losses, investors can consider covering their positions according to their own situation and the situation of the fund. The specific analysis is as follows:

1 Look at the holding time: if the fund is held for a short time, it is likely that its short-term performance is not very good, so don't worry too much; However, if the fund is still in a state of loss for a long time, it is necessary to consider whether it is due to market factors, industry factors or the fund itself.

2 Look at the fund investment industry: If the fund investment industry is depressed for a long time, you can consider switching to fund products; If it is only interfered by some factors, and the long-term investment logic has not been disrupted, and the industry history has performed well, we can continue to observe.

3 see if there is any problem with the fund itself: if the fund itself exists, don't consider covering the position or even selling it. The problem of the fund itself can be judged by looking at whether the fund manager has changed, whether the top ten awkward stocks in the quarterly report have "stepped on thunder".

Generally speaking, if the fund has a principal loss, it will not deduct money after the loss. When the fund loses money, investors can judge whether the fund is still worth holding from the above factors, and if so, they can continue to wait for the rebound; If it's not worth it, sell it and stop loss in time.