An index label tells you something about exposure. It does not tell you what a product and its distribution channel will cost. Start by translating the quoted charge into euros.
Watch the original Finance Hub video ↗The first-year illustration
Using a fixed €100,000 reference balance, a 0.2% annual charge equals €200 and a 0.8% charge equals €800. The difference is €600. This is a simple percentage calculation, before changes in the portfolio value, other charges or compounding.
Same benchmark does not mean identical implementation
Check tracking results, replication, fund domicile, share class, liquidity and tax treatment for your residence. The cheaper quoted charge does not settle those questions.
Find the complete price
Read the product documents and the broker or adviser fee schedule together. Platform, advice, transaction and currency charges may affect the total. Avoid counting the same charge twice when disclosures overlap.
A practical comparison
Put two genuinely comparable products side by side. Record each quoted percentage, its euro equivalent on the same balance, the service it pays for and any switching costs. A familiar name alone is not evidence that an extra charge adds value.
Sources and method
The €200, €800 and €600 amounts are arithmetic examples on a fixed €100,000 balance. ESMA provides independent context on total investment costs.