You also said that you are a small white user. First of all, Alipay is certainly no problem, and the promotion funds are no problem. As for recommending users, you can understand that fund companies spend money on advertising. As for the rate of return, it is only a rough statistical indicator. It is a period of time, such as a year or since its establishment, there is a handling fee for purchasing funds. On the whole, I can only say that you are a little white.