EFFI vs FNDF

AEFFI

BFNDF

Measures won3–1EFFI wins · of 6 · 5Y

$10,000 · 5Y$19,326FNDF · VXUS $15,003

Lowest cost0.05%VXUS · $5 on $10k

Most income3.82%EFFI · $382 on $10k

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

Held in common9.8%EFFI and FNDF

EFFI

FNDF

Harbor ETF Trust - Harbor Osmosis International Resource Efficient ETF · $153MSchwab Fundamental International Large Company Index ETF · $25.9B

[…]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%

3.82%12-mo yield$382 · $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%

2.1%SAN.MC0.7%

1.5%EQNR.OL0.6%

2.5%AZN.L0.5%

Held in common9.8%

End-of-day Nov 4, 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%	$25.9B
2	VXUS	Vanguard Total International Stock ETFRead Desk	0.05%	2.37%	+2.0%	+12.0%	+15.0%	+21.0%	+8.5%	−11.3%	$163.2B
3	AEFFI	Harbor ETF Trust - Harbor Osmosis International Resource Efficient ETFRead Desk	0.55%	3.82%	+2.5%	+13.4%	+17.6%	new	new	−10.5%	$153M

End-of-day Nov 4, 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%	$25.9B
2	VXUS	Vanguard Total International Stock ETFRead Desk	0.05%	2.37%	+2.0%	+12.0%	+15.0%	+21.0%	+8.5%	−11.3%	$163.2B
3	AEFFI	Harbor ETF Trust - Harbor Osmosis International Resource Efficient ETFRead Desk	0.55%	3.82%	+2.5%	+13.4%	+17.6%	new	new	−10.5%	$153M

End-of-day Nov 4, 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

Yield3.82%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

9.8%

holdings shared

Nov 4, 2026 · $10,000 five years ago, dividends reinvested

VXUS vs IXUS

YTD

VanguardVXUS

+12.0%

IXUSiShares

+12.4%

+12.0%Year to date+12.4%

2.4%Yield3.0%

$163BAssets$58.4B

2–0IXUS wins

End-of-day Nov 4, 2026

SCHD vs VIG

YTD

SchwabSCHD

+35.3%

VIGVanguard

+16.4%

+35.3%Year to date+16.4%

2.9%Yield1.4%

$123BAssets$109B

2–0SCHD wins

End-of-day Nov 4, 2026

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+8.5%

JEPIJ.P. Morgan

+8.8%

+8.5%Year to date+8.8%

12.2%Yield7.8%

$42.1BAssets$46.1B

1–1level

End-of-day Nov 4, 2026

Overlap: EFFI, FNDF, VXUS

Today

47.5%most shared, FNDF and VXUS

EFFIFNDFVXUS

EFFI—9.8%7.3%

FNDF9.8%—47.5%

VXUS7.3%47.5%—

End-of-day Nov 4, 2026 · share held in common · outlined: the pair in versus

Income After Fees on $10,000

$327most kept, EFFI

EFFI$382 − $55 = $327

FNDF$299 − $25 = $274

VXUS$237 − $5 = $232

KeptFee

End-of-day Nov 4, 2026 · yield in dollars minus the fee