EFFI vs FNDF

AEFFI

BFNDF

Measures won3–1EFFI wins · of 6 · 5Y

$10,000 · 5Y$18,872FNDF · VEA $15,497

Lowest cost0.03%VEA · $3 on $10k

Most income3.82%EFFI · $382 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 · $150MSchwab Fundamental International Large Company Index ETF · $25.6B

[…]3 years · per year[…] · $18,931+23.7%

[…]5 years · per year[…] · $18,872+13.5%

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

3.82%12-mo yield$382 · $303 on $10k3.03%

−10.5%Worst dropSmaller wins−10.6%

15.5%VolatilityLower wins16.7%

3–1EFFI wins

$10,000 · 5 yearsAll four, one scale

Shared top holdingsEFFI · FNDF

1.4%ROP.SW1.1%

2.2%SAN.MC0.7%

1.4%EQNR.OL0.6%

2.5%AZN.L0.5%

Held in common9.9%

End-of-day Nov 9, 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	BFNDF	Schwab Fundamental International Large Company Index ETFRead Desk	0.25%	3.03%	+2.4%	+20.2%	+27.8%	+23.7%	+13.5%	−10.6%	$25.6B
2	VEA	Vanguard FTSE Developed Markets ETFRead Desk	0.03%	2.44%	+2.9%	+12.9%	+18.8%	+20.5%	+9.2%	−11.6%	$231.6B
3	VXUS	Vanguard Total International Stock ETFRead Desk	0.05%	2.39%	+2.8%	+11.1%	+15.3%	+19.5%	+8.1%	−11.3%	$163.2B
4	AEFFI	Harbor ETF Trust - Harbor Osmosis International Resource Efficient ETFRead Desk	0.55%	3.82%	+2.7%	+13.4%	+18.1%	new	new	−10.5%	$150M

End-of-day Nov 9, 2026 · total return, dividends in · 3Y and 5Y per year · A and B = the pair in versus

All Four

5Y4 funds

#
1	BFNDF	Schwab Fundamental International Large Company Index ETFRead Desk	0.25%	3.03%	+2.4%	+20.2%	+27.8%	+23.7%	+13.5%	−10.6%	$25.6B
2	VEA	Vanguard FTSE Developed Markets ETFRead Desk	0.03%	2.44%	+2.9%	+12.9%	+18.8%	+20.5%	+9.2%	−11.6%	$231.6B
3	VXUS	Vanguard Total International Stock ETFRead Desk	0.05%	2.39%	+2.8%	+11.1%	+15.3%	+19.5%	+8.1%	−11.3%	$163.2B
4	AEFFI	Harbor ETF Trust - Harbor Osmosis International Resource Efficient ETFRead Desk	0.55%	3.82%	+2.7%	+13.4%	+18.1%	new	new	−10.5%	$150M

End-of-day Nov 9, 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

$18,872

MeasureEFFIFNDF

Fee0.55%0.25%

Cost on $10k a year$55$25

Yield3.82%3.03%

5 years, per year[…]+13.5%

3 years, per year[…]+23.7%

Worst drop · 1Y−10.5%−10.6%

Volatility · 1Y15.5%16.7%

3–1measures won
EFFI first

9.9%

holdings shared

Nov 9, 2026 · $10,000 five years ago, dividends reinvested

VXUS vs IXUS

YTD

VanguardVXUS

+11.1%

IXUSiShares

+11.5%

+11.1%Year to date+11.5%

2.4%Yield3.0%

$163BAssets$58.0B

2–0IXUS wins

End-of-day Nov 9, 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 9, 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 9, 2026

Overlap: EFFI, FNDF, VXUS, VEA

Today

65.4%most shared, VXUS and VEA

EFFIFNDFVXUSVEA

EFFI—9.9%7.1%9.1%

FNDF9.9%—47.3%59.8%

VXUS7.1%47.3%—65.4%

VEA9.1%59.8%65.4%—

End-of-day Nov 9, 2026 · share held in common · outlined: the pair in versus

Income After Fees on $10,000

$327most kept, EFFI

EFFI$382 − $55 = $327

FNDF$303 − $25 = $278

VEA$244 − $3 = $241

VXUS$239 − $5 = $234

KeptFee

End-of-day Nov 9, 2026 · yield in dollars minus the fee