1, because the fund shares bought that day were calculated according to the price announced the next day, and the money in your bank account was deducted at that time, but because there was no net fund value, the shares at that time were not reflected in your fund account, so it is generally necessary to make a confirmation letter on T+2.

2. Trading funds are not calculated manually like stocks, but by shares, that is, your principal is multiplied by the price and then the handling fee is deducted.

There are discounts online, but not everyone has them. See if you bought it wrong, or you may just refund the subscription fee after buying it.