LVG and SAF are the returns for 2 ETFs over 5 years. LVG is a more aggressively managed and has an expense ratio of 0.95%, SAF is a passively managed index fund that has an expense ratio of 0.03%. All fees are assessed at the end of the year. Which fund has a higher return for the retail investor? Year 1 2 LVG 15% -2% -9% 28% SAF 7% 3% 1% 11% 3 4 OLVG SAF They both have the same net returns Not enough information is provided