I'm looking at investment options for a Stocks and Shares ISA (UK) and I'm interested in the Vanguard LifeStrategy fund.
Hargreaves Lansdown offer the VLS100 OEIC (acc), but they charge a 0.45% account fee and 0.22% fund fee.
Trading 212 only have the VLS80 ETF and my understanding is that the fund fee is somehow baked into the returns, but there is no account fee.
How do I figure out which of these 2 options is likely to be more lucrative when taking fees into account?