The original intention of investors choosing fund products is to achieve the maximization of capital gains within the risk range that investors can bear through the professional financial management services of the fund company. Financial management experts believe that when the net value of the fund falls, prudent analysis and judgment should be carried out. If the reason for the fall is that the fund company has experienced a major change and there is no sign of improvement in the short term, selling should be considered; but if the fall in net value is due to the change in the overall market situation, it is not advisable to make hasty decisions.