What is better: An ETF savings plan or a fund savings plan?

As a rule, fund savings plans are very expensive. If you actually take into account all the costs, it is often the case that two percent or more of the returns goes on fees – every year. ETF savings plans are significantly cheaper. As a rule, they charge less than one percent fees on net returns. You should also consider that fund savings plans mostly contain actively managed investment funds, the vast majority of which fail to consistently outperform their index. By contrast, ETFs replicate a given index, which not only costs less, but is often also more successful.