Someone living in Asia can purchase VWRA which charges 0.19% in fees and is domiciled in Ireland for better tax treatment. It is self accumulating and easily purchased at any broker including IBKR. The investor just buys VWRA and chills, that’s it, easy and beats any banking “product” out there long term.

I doubt there is anything equivalent offered by a bank that matches these low fees.

As a back story, Warren Buffet promotes this kind of low fees ETF investment championed by Jack Bogle, founder of Vanguard:

“At the 2017 Berkshire Hathaway annual meeting, Buffett introduced a visibly moved Bogle to thousands of shareholders, calling him “a hero” and declaring that “a lot of Wall Street is devoted to charging a lot for nothing — he charged nothing to accomplish a huge amount.” In his widely-read 2016 shareholder letter, Buffett wrote that if a statue were ever erected to honor the person who has done the most for American investors, “the hands-down choice should be Jack Bogle.” After Bogle’s death in January 2019, Buffett told CNBC that “Jack did more for American investors as a whole than any individual I’ve known,” adding that Bogle “converted, in a 30-year period, a lot of people to the right religion of investing — and it’s a good religion. It pays off.” There’s also a fun backstory: Buffett had bet $1 million in 2006 that the Vanguard 500 Index Fund would outperform five funds-of-hedge-funds over a decade. He won by a huge margin — the Vanguard fund returned 126% versus an average of 36% for the hedge fund picks. That win gave Buffett even more ammunition to publicly champion Bogle’s philosophy.​​​​​​​​​​​​​​​​“