This kind of investment is generally a small investment company. If you feel unsafe, I hope you don't put yourself in it. Cautious investment companies say that failure means failure, and you may not get your capital back.
Whether it is MLM or not depends on its development mode, whether it needs to pay admission fees, whether it needs to develop personnel, and whether it needs layers of commissions. If these points meet, it is MLM, that is, he must stay away from MLM!