Factory reset / files loss

[Panos_27]

If i do factory reset to my phone, files like photos, music, documents etc are lost, or only the apps and settings are deleted ? 

[shouldangelsdie]

It will make like you nought it new...
Won't have anything but the basic.
It will be like unboxing it for the first time. .

[ConstantineF]

Always backup before resetting to factory defaults, cloud or in another device locally