Don't buy products recommended by others or organizations, because the reason they recommend may only be performance tasks, so this product may not be suitable for you. Then the subscription fee is 10% off for most platforms (I don't know how much discount the bank gives now, I haven't bought it in the bank for a long time), but the subscription fee will not. To sum up, it is not recommended to buy. In fact, the new fund has few advantages, and the old fund is quite good. . .