The value of the fund and the income that it produces will fluctuate is a main clause; so too is investors may not get back the full amount invested. Two main clauses with different subjects when joined with the conjunction and need a comma before the and.
The value of the fund and the income that it produces will fluctuate, and investors may not get back the full amount invested.
Source
‘Invesco Perpetual’ advert, Sunday Times (Money), 28 September 2008, p. 8
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