If the fund falls to zero, will the money be gone?
If the fund falls to 0, the money will be gone, because if the income of the fund is 0, it means that your money is losing money, and this account will not make money or lose money, but generally speaking, it is rare for the fund to fall to 0, because the decline of the fund takes a long time and basically will not lose money at once.
To give a simple example: stock funds mainly invest in stocks, but stock funds invest in multiple stocks, so you can see that the fund has heavily invested in stocks, which has dispersed the risk of stocks to some extent. Secondly, there will be a price limit for ordinary stocks, which is generally 10%. Excluding GEM and science and technology innovation board stocks, it seems that stock funds will not lose money at once.
Therefore, when the fund loses money, everyone needs to set a stop loss point, that is, to avoid further losses caused by the fund's continued decline, so it is necessary to redeem the fund's stop loss.
Has the fund fallen to zero?
It is possible for the fund to fall to zero, but it is still rare for the fund to fall to zero, because when the fund loses money to a certain extent, most investors will redeem the fund and will not let the fund lose money until zero. Funds are volatile investments, which go up and down, and open-end funds can be redeemed at any time. When the fund suffers serious losses, it is ok to redeem the fund.