A one-time, non-refundable 1% load is due at the beginning of using the fund. If you happen to increase your account's size, then 1% of the change will be due. If you decrease your account's size you will not be refunded 1% of the decrease.
Our main focus is to grow the amount of bitcoin you own through trading, not to grow the fiat value. If the fiat value of bitcoin happens to rise as well for you, that's great, but we don't charge for that. We only charge for the bitcoin we make for you.
If you have months where you lose bitcoin rather than gain bitcoin, then your losses will be rolled over and lumped into the next month.