The ABC card will be automatically transferred to Tonghua Fund every month, but it has never been purchased for participating in fund-related activities of Alipay or mobile banking. Inquiring about relevant information shows that after the fixed investment fund or experience fund is established, the APP authorizes it to regularly deduct money to buy funds, as well as wealth management products such as Alipay's Yu 'ebao. Wealth management products are monetary or bond funds bought. These funds are relatively safe, with low returns, but higher than the current period. Fund, broadly speaking, refers to a certain amount of funds established for a certain purpose, mainly including trust and investment funds, provident funds, insurance funds, retirement funds and funds of various foundations.