Utilize the input text as a context reference, choose the right relationship between Savers and retail from the options. Options: product/material produced, manufacturer, distributed by, industry, position held, original broadcaster, owned by, founded by, distribution format, headquarters location, stock exchange, currency, parent organization, chief executive officer, director/manager, owner of, operator, member of, employer, chairperson, platform, subsidiary, legal form, publisher, developer, brand, business division, location of formation, creator.

Savers can get lower fees from passively managed retail funds, on average 88 basis points, but that buys less.

Answer: industry