1, the monetary fund T+ 1 working day confirms and starts to calculate the income, that is, February 1. Although online banking is not shown, it is still profitable.

2. The income paid by the Monetary Fund on the next working day of the monthly income carry-over date is converted into fund shares (i.e. dividends), and the carry-over income does not include the income on the carry-over date. If you say that the dividend date of 15, that is, 14, is the income carry-forward date, then the income paid is the cumulative income from 1.06 to 13.02.

Supplementary answer:

That's right. You can do this, but I think it's better to wait until the income is accumulated.