Here is another ILP fund. Fund A can be purchased direct. Fund B is the same fund but bought through an ILP. Fund C is an ETF tracking the benchmark which both are measured against. So it can be seen that Fund B is worst compared to its identical counterpart.

What should you do if you already have an ILP? Like I said previously, buying an ILP is like getting married. Learn to accept your spouse. Love is not a feeling. You love because you want to...