AFDM vs SCHF

AAFDM

BSCHF

Measures won4–2AFDM wins · of 6 · 5Y

$10,000 · 5Y$15,397SCHF · VEA $15,197

Lowest cost0.03%SCHF · $3 on $10k

Most income3.55%AFDM · $355 on $10k

Smallest drop−10.2%AFDM · worst fall in 1Y

Held in common21.3%AFDM and SCHF

AFDM

SCHF

First Trust Active Factor International ETF · $151MSchwab International Equity ETF · $65.8B

+20.7%3 years · per year$17,568 · $17,419+20.3%

+7.8%5 years · per year$14,561 · $15,397+9.0%

0.80%Expense ratio$80 · $3 on $10k · lower wins0.03%

3.55%12-mo yield$355 · $319 on $10k3.19%

−10.2%Worst dropSmaller wins−11.5%

15.3%VolatilityLower wins18.2%

4–2AFDM wins

$10,000 · 5 yearsAll four, one scale

Shared top holdingsAFDM · SCHF

1.7%ASML.AS1.9%

1.3%NOVN.SW1.1%

1.2%SHEL.L1.0%

0.8%BHP.AX0.7%

Held in common21.3%

End-of-day Nov 6, 2026 · $10,000 5 years ago, dividends reinvested · ● winner of the row · each row scaled to the bigger of the two

All Four

5Y4 funds

#
1	BSCHF	Schwab International Equity ETFRead Desk	0.03%	3.19%	−0.3%	+10.4%	+15.3%	+20.3%	+9.0%	−11.5%	$65.8B
2	VEA	Vanguard FTSE Developed Markets ETFRead Desk	0.03%	2.51%	−0.4%	+9.7%	+14.8%	+20.3%	+8.7%	−11.6%	$231.6B
3	AAFDM	First Trust Active Factor International ETFRead Desk	0.80%	3.55%	−1.1%	+10.9%	+16.9%	+20.7%	+7.8%	−10.2%	$151M
4	IEMG	iShares Core MSCI Emerging Markets ETFRead Desk	0.09%	2.49%	+2.1%	+8.3%	+8.8%	+19.3%	+6.0%	−17.8%	$142.1B

End-of-day Nov 6, 2026 · total return, dividends in · 3Y and 5Y per year · A and B = the pair in versus

All Four

5Y4 funds

#
1	BSCHF	Schwab International Equity ETFRead Desk	0.03%	3.19%	−0.3%	+10.4%	+15.3%	+20.3%	+9.0%	−11.5%	$65.8B
2	VEA	Vanguard FTSE Developed Markets ETFRead Desk	0.03%	2.51%	−0.4%	+9.7%	+14.8%	+20.3%	+8.7%	−11.6%	$231.6B
3	AAFDM	First Trust Active Factor International ETFRead Desk	0.80%	3.55%	−1.1%	+10.9%	+16.9%	+20.7%	+7.8%	−10.2%	$151M
4	IEMG	iShares Core MSCI Emerging Markets ETFRead Desk	0.09%	2.49%	+2.1%	+8.3%	+8.8%	+19.3%	+6.0%	−17.8%	$142.1B

End-of-day Nov 6, 2026 · total return, dividends in · 3Y and 5Y per year · A and B = the pair in versus

Cards for this view

AFDM vs SCHF

AFDM

First Trust Active Factor International

$14,561

SCHF

Schwab International Equity

$15,397

MeasureAFDMSCHF

Fee0.80%0.03%

Cost on $10k a year$80$3

Yield3.55%3.19%

5 years, per year+7.8%+9.0%

3 years, per year+20.7%+20.3%

Worst drop · 1Y−10.2%−11.5%

Volatility · 1Y15.3%18.2%

4–2measures won
AFDM first

21.3%

holdings shared

Nov 6, 2026 · $10,000 five years ago, dividends reinvested

VEA vs IEFA

YTD

VanguardVEA

+9.7%

IEFAiShares

+7.7%

+9.7%Year to date+7.7%

2.5%Yield3.5%

$232BAssets$187B

1–1level

End-of-day Nov 6, 2026

VWO vs IEMG

YTD

VanguardVWO

+3.2%

IEMGiShares

+8.3%

+3.2%Year to date+8.3%

2.2%Yield2.5%

$125BAssets$142B

2–0IEMG wins

End-of-day Nov 6, 2026

SCHD vs VIG

YTD

SchwabSCHD

+31.4%

VIGVanguard

+12.1%

+31.4%Year to date+12.1%

3.0%Yield1.5%

$120BAssets$109B

2–0SCHD wins

End-of-day Nov 6, 2026

Overlap: AFDM, SCHF, VEA, IEMG

Today

84.3%most shared, SCHF and VEA

AFDMSCHFVEAIEMG

AFDM—21.3%19.2%0.0%

SCHF21.3%—84.3%8.2%

VEA19.2%84.3%—9.5%

IEMG0.0%8.2%9.5%—

End-of-day Nov 6, 2026 · share held in common · outlined: the pair in versus

Income After Fees on $10,000

$316most kept, SCHF

SCHF$319 − $3 = $316

AFDM$355 − $80 = $275

VEA$251 − $3 = $248

IEMG$249 − $9 = $240

KeptFee

End-of-day Nov 6, 2026 · yield in dollars minus the fee