I showed you harvest fund's website, 1. Indeed, as you said, you must go to the direct selling system of harvest fund website for a 60% discount. The general process is to bind Minsheng Bank Card after submitting your identity information, and wait until the website is approved, instead of going to Minsheng Bank for a fixed investment.

The second question: Generally speaking, it is cheaper to go to the direct selling system of the fund website than to go directly to banks and securities companies. Because the subscription fee is often taken away by banks and securities companies, it is called consignment. Direct selling does not have this problem. But sometimes a foundation signs an agreement with a bank or a securities company, and can enjoy preferential rates when purchasing in this institution. Whether there is a preferential agreement can be inquired in the fund announcement on the fund company's website.