EFFI vs SCHF

AEFFI

BSCHF

Measures won3–1EFFI wins · of 6 · 5Y

$10,000 · 5Y$16,097SCHF

Lowest cost0.03%SCHF · $3 on $10k

Most income3.82%EFFI · $382 on $10k

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

Held in common10.5%EFFI and SCHF

EFFI

SCHF

Harbor ETF Trust - Harbor Osmosis International Resource Efficient ETF · $153MSchwab International Equity ETF · $68.2B

[…]3 years · per year[…] · $18,389+22.5%

[…]5 years · per year[…] · $16,097+10.0%

0.55%Expense ratio$55 · $3 on $10k · lower wins0.03%

3.82%12-mo yield$382 · $306 on $10k3.06%

−10.5%Worst dropSmaller wins−11.5%

15.3%VolatilityLower wins17.8%

3–1EFFI wins

$10,000 · 5 yearsOne scale

Shared top holdingsEFFI · SCHF

1.4%ASML.AS2.1%

1.4%ROP.SW1.2%

2.5%AZN.L1.0%

2.1%SAN.MC0.6%

Held in common10.5%

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

Both

5Y2 funds

#			Trend
1	BSCHF	Schwab International Equity ETFRead Desk		0.03%	3.06%	+2.1%	+15.1%	+19.5%	+22.5%	+10.0%	−11.5%	$68.2B
2	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

Both

5Y2 funds

#			Trend
1	BSCHF	Schwab International Equity ETFRead Desk		0.03%	3.06%	+2.1%	+15.1%	+19.5%	+22.5%	+10.0%	−11.5%	$68.2B
2	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 SCHF

EFFI

Harbor ETF Trust - Harbor Osmosis International Resource Efficient

[…]

SCHF

Schwab International Equity

$16,097

MeasureEFFISCHF

Fee0.55%0.03%

Cost on $10k a year$55$3

Yield3.82%3.06%

5 years, per year[…]+10.0%

3 years, per year[…]+22.5%

Worst drop · 1Y−10.5%−11.5%

Volatility · 1Y15.3%17.8%

3–1measures won
EFFI first

10.5%

holdings shared

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

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

SPYM vs SPY

YTD

SPDRSPYM

+13.4%

SPYSPDR

+13.3%

+13.4%Year to date+13.3%

1.0%Yield1.0%

$182BAssets$805B

1–0SPYM wins

End-of-day Nov 4, 2026

Overlap: EFFI, SCHF

Today

10.5%most shared, EFFI and SCHF

EFFISCHF

EFFI—10.5%

SCHF10.5%—

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

SCHF$306 − $3 = $303

KeptFee

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