very high. we here 1.75% max. min 0.5%

Are you sure that he said management fee? I think that agents only talk about sales charge which is a one time thing. Normally, agents or banks charges up to 5.5% of sales charges (depending on the TnC of the fund). The sales charges gives the commission to your agent. So, if it's 3% of sales charge, maybe it's a promotion? Only online platform like FSM and eunittrust charges cheaper. Only sales charges is not taken into account in your fund's return.

For the annual management fee of the fund, the money is taken on daily basis (working days). If the management fee is 1 % per year and you hold 20k of the fund, then everyday, you'll get charged 1%/365 X 20k. You don't normally notice money being taken out as your fund value fluctuate also with the market sentiment.

The fund's return already taken into account all the fees like management fee, trustee fee, etc. If it's 4%, then you get 4%.