Dropp
Yes, indeed we have been over this before.
Unfortunately, most of us do not have the the knowledge or time that you obviously possess in doing your own long term investments. Mondial provides generally good advice and that works for those with little to average financial acumen. As for the 2%, EK provident fund does get a discounted fee structure. I think 1% tops would be nearer and that's built into the value. While I'm sure you're doing very well with your ETFs, a TRE who recently retired (RH) left with a fund valued at well over $2,000,000. He'd done 25 years give or take.
If I can leave with that amount, I wouldn't give a **** if my fund manager had a private jet.
Harry