AFDM vs VEA

AAFDM

BVEA

Measures won4–2AFDM wins · of 6 · 5Y

$10,000 · 5Y$17,358SPY · VT $15,878

Lowest cost0.03%VEA · $3 on $10k

Most income3.47%AFDM · $347 on $10k

Smallest drop−8.9%SPY · worst fall in 1Y

Held in common19.4%AFDM and VEA

AFDM

VEA

First Trust Active Factor International ETF · $145MVanguard FTSE Developed Markets ETF · $232B

+21.3%3 years · per year$17,863 · $17,516+20.5%

+8.3%5 years · per year$14,875 · $15,497+9.2%

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

3.47%12-mo yield$347 · $244 on $10k2.44%

−10.2%Worst dropSmaller wins−11.6%

15.5%VolatilityLower wins18.3%

4–2AFDM wins

$10,000 · 5 yearsAll four, one scale

Shared top holdingsAFDM · VEA

1.8%ASML.AS2.1%

1.2%SHEL.L0.9%

1.3%NOVN.SW0.8%

0.7%HSBA.L1.0%

Held in common19.4%

End-of-day Nov 10, 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	SPY	State Street SPDR S&P 500 ETFRead Desk	0.09%	1.01%	+2.4%	+11.2%	+13.5%	+21.9%	+11.8%	−8.9%	$777.9B
2	VT	Vanguard Total World Stock ETFRead Desk	0.06%	1.55%	+2.6%	+11.3%	+14.3%	+20.9%	+9.8%	−9.7%	$81.8B
3	BVEA	Vanguard FTSE Developed Markets ETFRead Desk	0.03%	2.44%	+2.9%	+12.9%	+18.8%	+20.5%	+9.2%	−11.6%	$231.6B
4	AAFDM	First Trust Active Factor International ETFRead Desk	0.80%	3.47%	+2.4%	+13.5%	+19.2%	+21.3%	+8.3%	−10.2%	$145M

End-of-day Nov 10, 2026 · total return, dividends in · 3Y and 5Y per year · A and B = the pair in versus

All Four

5Y4 funds

#
1	SPY	State Street SPDR S&P 500 ETFRead Desk	0.09%	1.01%	+2.4%	+11.2%	+13.5%	+21.9%	+11.8%	−8.9%	$777.9B
2	VT	Vanguard Total World Stock ETFRead Desk	0.06%	1.55%	+2.6%	+11.3%	+14.3%	+20.9%	+9.8%	−9.7%	$81.8B
3	BVEA	Vanguard FTSE Developed Markets ETFRead Desk	0.03%	2.44%	+2.9%	+12.9%	+18.8%	+20.5%	+9.2%	−11.6%	$231.6B
4	AAFDM	First Trust Active Factor International ETFRead Desk	0.80%	3.47%	+2.4%	+13.5%	+19.2%	+21.3%	+8.3%	−10.2%	$145M

End-of-day Nov 10, 2026 · total return, dividends in · 3Y and 5Y per year · A and B = the pair in versus

Cards for this view

AFDM vs VEA

AFDM

First Trust Active Factor International

$14,875

VEA

Vanguard FTSE Developed Markets

$15,497

MeasureAFDMVEA

Fee0.80%0.03%

Cost on $10k a year$80$3

Yield3.47%2.44%

5 years, per year+8.3%+9.2%

3 years, per year+21.3%+20.5%

Worst drop · 1Y−10.2%−11.6%

Volatility · 1Y15.5%18.3%

4–2measures won
AFDM first

19.4%

holdings shared

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

SPYM vs SPY

YTD

SPDRSPYM

+11.3%

SPYSPDR

+11.2%

+11.3%Year to date+11.2%

1.0%Yield1.0%

$179BAssets$778B

1–0SPYM wins

End-of-day Nov 10, 2026

VEA vs IEFA

YTD

VanguardVEA

+12.9%

IEFAiShares

+11.1%

+12.9%Year to date+11.1%

2.4%Yield3.4%

$232BAssets$193B

1–1level

End-of-day Nov 10, 2026

SCHD vs VIG

YTD

SchwabSCHD

+33.2%

VIGVanguard

+14.8%

+33.2%Year to date+14.8%

3.0%Yield1.5%

$122BAssets$109B

2–0SCHD wins

End-of-day Nov 10, 2026

Overlap: AFDM, VEA, SPY, VT

Today

55.2%most shared, SPY and VT

AFDMVEASPYVT

AFDM—19.4%0.0%5.9%

VEA19.4%—0.0%23.3%

SPY0.0%0.0%—55.2%

VT5.9%23.3%55.2%—

End-of-day Nov 10, 2026 · share held in common · outlined: the pair in versus

Income After Fees on $10,000

$267most kept, AFDM

AFDM$347 − $80 = $267

VEA$244 − $3 = $241

VT$155 − $6 = $149

SPY$101 − $9 = $92

KeptFee

End-of-day Nov 10, 2026 · yield in dollars minus the fee