EFFI vs SCHF

AEFFI

BSCHF

Measures won3–1EFFI wins · of 6 · 5Y

$10,000 · 5Y$15,397SCHF · VXUS $14,489

Lowest cost0.03%SCHF · $3 on $10k

Most income3.92%EFFI · $392 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 · $65.8B

[…]3 years · per year[…] · $17,419+20.3%

[…]5 years · per year[…] · $15,397+9.0%

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

3.92%12-mo yield$392 · $319 on $10k3.19%

−10.5%Worst dropSmaller wins−11.5%

15.3%VolatilityLower wins18.2%

3–1EFFI wins

$10,000 · 5 yearsAll three, one scale

Shared top holdingsEFFI · SCHF

1.3%ASML.AS1.9%

1.4%ROP.SW1.2%

2.5%AZN.L1.0%

2.2%SAN.MC0.6%

Held in common10.5%

End-of-day Nov 6, 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	BSCHF	Schwab International Equity ETFRead Desk	0.03%	3.19%	−0.3%	+10.4%	+15.3%	+20.3%	+9.0%	−11.5%	$65.8B
2	VXUS	Vanguard Total International Stock ETFRead Desk	0.05%	2.45%	+0.1%	+8.1%	+11.6%	+19.2%	+7.7%	−11.3%	$163.2B
3	AEFFI	Harbor ETF Trust - Harbor Osmosis International Resource Efficient ETFRead Desk	0.55%	3.92%	−1.4%	+10.4%	+15.0%	new	new	−10.5%	$153M

End-of-day Nov 6, 2026 · total return, dividends in · 3Y and 5Y per year · A and B = the pair in versus

All Three

5Y3 funds

#
1	BSCHF	Schwab International Equity ETFRead Desk	0.03%	3.19%	−0.3%	+10.4%	+15.3%	+20.3%	+9.0%	−11.5%	$65.8B
2	VXUS	Vanguard Total International Stock ETFRead Desk	0.05%	2.45%	+0.1%	+8.1%	+11.6%	+19.2%	+7.7%	−11.3%	$163.2B
3	AEFFI	Harbor ETF Trust - Harbor Osmosis International Resource Efficient ETFRead Desk	0.55%	3.92%	−1.4%	+10.4%	+15.0%	new	new	−10.5%	$153M

End-of-day Nov 6, 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

$15,397

MeasureEFFISCHF

Fee0.55%0.03%

Cost on $10k a year$55$3

Yield3.92%3.19%

5 years, per year[…]+9.0%

3 years, per year[…]+20.3%

Worst drop · 1Y−10.5%−11.5%

Volatility · 1Y15.3%18.2%

3–1measures won
EFFI first

10.5%

holdings shared

Nov 6, 2026 · $10,000 five years ago, dividends reinvested

VXUS vs IXUS

YTD

VanguardVXUS

+8.1%

IXUSiShares

+8.2%

+8.1%Year to date+8.2%

2.5%Yield3.1%

$163BAssets$56.4B

2–0IXUS wins

End-of-day Nov 6, 2026

SCHD vs VIG

YTD

SchwabSCHD

+31.4%

VIGVanguard

+12.1%

+31.4%Year to date+12.1%

3.0%Yield1.5%

$120BAssets$109B

2–0SCHD wins

End-of-day Nov 6, 2026

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+3.2%

JEPIJ.P. Morgan

+5.3%

+3.2%Year to date+5.3%

12.8%Yield8.1%

$42.6BAssets$46.8B

1–1level

End-of-day Nov 6, 2026

Overlap: EFFI, SCHF, VXUS

Today

61.8%most shared, SCHF and VXUS

EFFISCHFVXUS

EFFI—10.5%7.1%

SCHF10.5%—61.8%

VXUS7.1%61.8%—

End-of-day Nov 6, 2026 · share held in common · outlined: the pair in versus

Income After Fees on $10,000

$337most kept, EFFI

EFFI$392 − $55 = $337

SCHF$319 − $3 = $316

VXUS$245 − $5 = $240

KeptFee

End-of-day Nov 6, 2026 · yield in dollars minus the fee