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NotThamesWater
This is the difference between "saving" and "investing". I interpret "saving" to mean you stick your cash somewhere. "Investing" is buying something with that cash. Even if the company you bought the fund shares through goes tits up, you still own the shares. You just need to find someone else to sell them through.
If trading in the fund is frozen, then you're effed. See Woodford Investment Management back in 2019. But that's rare.