I see. I thought pretty much all ETFs will reinvest the dividend for you. Or at least, even if they don't, you can do it yourself.

Seems pretty decent and I can't tell this part from VUSA kek. I'm basically investing my leftover GBP into S&P500 and won't think about it for the next 5 years 

For mutual funds, I know what you mean. A yellow color bank also tried doing the same for me for some kind tech fund. But the fund even underperform to their own benchmark kek, which was some MSCI Tech index. No need to pay commission to these buggers when I ownself can hoot something that can perform just as well as their fund at a much lower cost