about your first question, this can happen samot na bag-o pa kaayo ka ni invest. But if dugay na imo invest like 5 to 10 years, di na kaayo na possible. Kay nag cge na ug tubo and even if negative ang performance due to market crash, di naka mo balik sa original price nimo.
about your second question, sa IMG, we always educate the client on how to handle MF. Aron maka monitor ka on your own, and dili mahadlok ug market crash. But naa jud mi when you want to top up or withdraw or you have further questions.
sakto jud ka bai

getting in during the market crash is one of the best move we can make.
Sayang di pako IMG ato hehe. double or triple na unta ako investments ron.