Can't merge, but it doesn't matter. It will not affect your income at all. And the redemption rate is the same. Those bought in the bank should be redeemed in the bank, and those bought online should be redeemed online. The specific rate has a lot to do with the length of time you hold the fund. Generally, the rate for less than half a year is 0.5%, depending on the regulations of the fund company. You can check it online.