The Nobel Prize winner in economics 2002, psychologist Kahneman put forward in his famous Prospect Theory: (a) Most people are risk-averse when facing gains; (b) Most people are risk-biased when facing loss; people are more sensitive to loss than gains.
not in line with the Prospect Theory?
 Before the fund's annual rate of return reaches 3%, the fund management company will only charge 0.5% of management fees to maintain its costs; when the annual rate of return is between 3% and 4.5%, the fund manager will charge an additional 3% of 50% of the income part as performance reward