FNDF vs EFFI

AFNDF

BEFFI

Measures won1–3EFFI wins · of 6 · 5Y

$10,000 · 5Y$18,872FNDF · VXUS $14,758

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 common9.9%FNDF and EFFI

FNDF

EFFI

Schwab Fundamental International Large Company Index ETF · $25.6BHarbor ETF Trust - Harbor Osmosis International Resource Efficient ETF · $150M

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

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

0.25%Expense ratio$25 · $55 on $10k · lower wins0.55%

3.03%12-mo yield$303 · $382 on $10k3.82%

−10.6%Worst dropSmaller wins−10.5%

16.7%VolatilityLower wins15.5%

1–3EFFI wins

$10,000 · 5 yearsAll four, one scale

Shared top holdingsFNDF · EFFI

1.1%ROP.SW1.4%

0.7%SAN.MC2.2%

0.6%EQNR.OL1.4%

0.5%AZN.L2.5%

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	AFNDF	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	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
3	IEMG	iShares Core MSCI Emerging Markets ETFRead Desk	0.09%	2.42%	+2.9%	+11.4%	+12.8%	+19.8%	+6.4%	−17.8%	$146.1B
4	BEFFI	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	AFNDF	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	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
3	IEMG	iShares Core MSCI Emerging Markets ETFRead Desk	0.09%	2.42%	+2.9%	+11.4%	+12.8%	+19.8%	+6.4%	−17.8%	$146.1B
4	BEFFI	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

FNDF vs EFFI

FNDF

Schwab Fundamental International Large Company Index

$18,872

EFFI

Harbor ETF Trust - Harbor Osmosis International Resource Efficient

[…]

MeasureFNDFEFFI

Fee0.25%0.55%

Cost on $10k a year$25$55

Yield3.03%3.82%

5 years, per year+13.5%[…]

3 years, per year+23.7%[…]

Worst drop · 1Y−10.6%−10.5%

Volatility · 1Y16.7%15.5%

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

VWO vs IEMG

YTD

VanguardVWO

+5.6%

IEMGiShares

+11.4%

+5.6%Year to date+11.4%

2.2%Yield2.4%

$125BAssets$146B

2–0IEMG wins

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: FNDF, EFFI, VXUS, IEMG

Today

47.3%most shared, FNDF and VXUS

FNDFEFFIVXUSIEMG

FNDF—9.9%47.3%5.7%

EFFI9.9%—7.1%0.0%

VXUS47.3%7.1%—24.9%

IEMG5.7%0.0%24.9%—

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

VXUS$239 − $5 = $234

IEMG$242 − $9 = $233

KeptFee

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