Not suitable, because the whole stock market is going downhill, and the fund has not improved, but if you do it for a long time, that is, hold it for more than one year, instead of cashing out immediately, then you can consider that the whole market is in a very low position now, and the market will rebound after a long time, and the whole market is cyclical.

However, the income from holding funds is not great.

You are a layman. I suggest you buy some growth funds. Actually, buying bonds is also a good choice, and it is a fixed income.