EFFI vs FNDF

AEFFI

BFNDF

Measures won3–1EFFI wins · of 6 · 5Y

$10,000 · 5Y$19,326FNDF · VEA $15,147

Lowest cost0.03%VEA · $3 on $10k

Most income3.87%EFFI · $387 on $10k

Smallest drop−10.5%EFFI · worst fall in 1Y

Held in common9.9%EFFI and FNDF

EFFI

FNDF

Harbor ETF Trust - Harbor Osmosis International Resource Efficient ETF · $153MSchwab Fundamental International Large Company Index ETF · $26.0B

[…]3 years · per year[…] · $19,830+25.6%

[…]5 years · per year[…] · $19,326+14.1%

0.55%Expense ratio$55 · $25 on $10k · lower wins0.25%

3.87%12-mo yield$387 · $299 on $10k2.99%

−10.5%Worst dropSmaller wins−10.6%

15.3%VolatilityLower wins16.4%

3–1EFFI wins

$10,000 · 5 yearsAll three, one scale

Shared top holdingsEFFI · FNDF

1.4%ROP.SW1.0%

2.2%SAN.MC0.7%

1.4%EQNR.OL0.6%

1.5%VOD.L0.5%

Held in common9.9%

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

All Three

5Y3 funds

#
1	BFNDF	Schwab Fundamental International Large Company Index ETFRead Desk	0.25%	2.99%	+2.2%	+21.8%	+28.6%	+25.6%	+14.1%	−10.6%	$26.0B
2	VEA	Vanguard FTSE Developed Markets ETFRead Desk	0.03%	2.50%	−3.7%	+10.2%	+16.0%	+20.9%	+8.7%	−11.6%	$231.6B
3	AEFFI	Harbor ETF Trust - Harbor Osmosis International Resource Efficient ETFRead Desk	0.55%	3.87%	−1.2%	+12.0%	+17.7%	new	new	−10.5%	$153M

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

All Three

5Y3 funds

#
1	BFNDF	Schwab Fundamental International Large Company Index ETFRead Desk	0.25%	2.99%	+2.2%	+21.8%	+28.6%	+25.6%	+14.1%	−10.6%	$26.0B
2	VEA	Vanguard FTSE Developed Markets ETFRead Desk	0.03%	2.50%	−3.7%	+10.2%	+16.0%	+20.9%	+8.7%	−11.6%	$231.6B
3	AEFFI	Harbor ETF Trust - Harbor Osmosis International Resource Efficient ETFRead Desk	0.55%	3.87%	−1.2%	+12.0%	+17.7%	new	new	−10.5%	$153M

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

Cards for this view

EFFI vs FNDF

EFFI

Harbor ETF Trust - Harbor Osmosis International Resource Efficient

[…]

FNDF

Schwab Fundamental International Large Company Index

$19,326

MeasureEFFIFNDF

Fee0.55%0.25%

Cost on $10k a year$55$25

Yield3.87%2.99%

5 years, per year[…]+14.1%

3 years, per year[…]+25.6%

Worst drop · 1Y−10.5%−10.6%

Volatility · 1Y15.3%16.4%

3–1measures won
EFFI first

9.9%

holdings shared

Nov 5, 2026 · $10,000 five years ago, dividends reinvested

VEA vs IEFA

YTD

VanguardVEA

+10.2%

IEFAiShares

+8.5%

+10.2%Year to date+8.5%

2.5%Yield3.4%

$232BAssets$189B

1–1level

End-of-day Nov 5, 2026

SCHD vs VIG

YTD

SchwabSCHD

+32.3%

VIGVanguard

+12.5%

+32.3%Year to date+12.5%

3.0%Yield1.5%

$120BAssets$109B

2–0SCHD wins

End-of-day Nov 5, 2026

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+8.5%

JEPIJ.P. Morgan

+5.2%

+8.5%Year to date+5.2%

12.2%Yield8.1%

$42.6BAssets$46.8B

2–0JEPQ wins

End-of-day Nov 5, 2026

Overlap: EFFI, FNDF, VEA

Today

60.4%most shared, FNDF and VEA

EFFIFNDFVEA

EFFI—9.9%9.2%

FNDF9.9%—60.4%

VEA9.2%60.4%—

End-of-day Nov 5, 2026 · share held in common · outlined: the pair in versus

Income After Fees on $10,000

$332most kept, EFFI

EFFI$387 − $55 = $332

FNDF$299 − $25 = $274

VEA$250 − $3 = $247

KeptFee

End-of-day Nov 5, 2026 · yield in dollars minus the fee