In both cases, if the stock market does not improve, it is still negative; When the stock market improves and fund managers operate properly, there is hope to turn positive, that is, make money. Therefore, although fixed investment is a lazy investment method, it is not lazy all the way to the end, but it should be adjusted reasonably. If the stock market has been at a low point, it will continue to be fixed. If it is at a high point, it is recommended to terminate the redemption. Wait until you fall back to a low level before continuing. The current situation should be that you can't get up and down. It depends, and there is still room for downward adjustment. Suggest continuing.

As for compound interest, it seems that you don't understand its exact meaning. Simply put, profit is profit, and the income is positive. Because it is a long-term investment, the income will generally be converted into costs and continue to earn profits. This is compound interest. If your investment is a loss, there will be no profit or positive income, that is, there will be no profit or profit, let alone compound interest.

Therefore, in a word, if you earn, you will have compound interest. If you lose money, there will be no profit, let alone compound interest.