Ok, so I worked it out for LifeStrategy 80% as that’s what I own. The average OCF if you replicated it yourself would come to 0.12%, vs the LifeStrategy charge of 0.22%.
It may sound a fair bit, but ultimately, the saving would be a mere £1 on an investment of £1000 (i.e £1.20 vs £2.20), or £10 on £10,000. Now I know the power of compounding, but to me I’m not sure manually investing in 14 funds, and then re-balancing every so often would make up for the hassle.