What is the principal of the fund with a loss of more than 20 thousand a month?
If the fund loses 20 thousand in January, it depends on the rate of return. If the rate of return is negative 10%, then the principal is 200,000.
Buying a fund will not be a total loss. General fund losses to a certain extent will be liquidated. The liquidation line of most funds is 75%, that is, if they lose 25%, they will be liquidated and the remaining money will be returned to investors.