CHF Money market funds [2023] 1

I looked into one of the Mutual Funds:

It lists the following costs:

  • Initial charge: 3.00%
  • Current management fee: 0.16% p.a.
  • Ongoing charges: 0.07% p.a.

Do we need to pay 3% just to buy the fund? How can we buy MFs? Can we buy them on IBKR or Degiro?

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