FNDF vs GLD

AFNDF

BGLD

Measures won4–2FNDF wins · of 6 · 5Y

$10,000 · 5Y$22,340GLD · FNDF $19,326

Lowest cost0.09%IEMG · $9 on $10k

Most income2.99%FNDF · $299 on $10k

Smallest drop−10.6%FNDF · worst fall in 1Y

Held in common[…]FNDF and GLD

FNDF

GLD

Schwab Fundamental International Large Company Index ETF · $25.9BSPDR Gold Shares · $131B

+25.6%3 years · per year$19,830 · $20,397+26.8%

+14.1%5 years · per year$19,326 · $22,340+17.4%

0.25%Expense ratio$25 · $40 on $10k · lower wins0.40%

2.99%12-mo yield$299 · $0 on $10k0.00%

−10.6%Worst dropSmaller wins−28.3%

16.4%VolatilityLower wins29.0%

4–2FNDF wins

$10,000 · 5 yearsAll three, one scale

Shared top holdingsFNDF · GLD

They share no top holdings, or holdings aren’t on file […]

Held in common[…]

End-of-day Nov 5, 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	BGLD	SPDR Gold SharesRead Desk	0.40%	0.00%	+0.8%	−5.3%	+3.6%	+26.8%	+17.4%	−28.3%	$131.3B
2	AFNDF	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
3	IEMG	iShares Core MSCI Emerging Markets ETFRead Desk	0.09%	2.54%	−5.6%	+6.0%	+7.5%	+18.9%	+5.3%	−17.8%	$147.8B

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

All Three

5Y3 funds

#
1	BGLD	SPDR Gold SharesRead Desk	0.40%	0.00%	+0.8%	−5.3%	+3.6%	+26.8%	+17.4%	−28.3%	$131.3B
2	AFNDF	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
3	IEMG	iShares Core MSCI Emerging Markets ETFRead Desk	0.09%	2.54%	−5.6%	+6.0%	+7.5%	+18.9%	+5.3%	−17.8%	$147.8B

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

Cards for this view

FNDF vs GLD

FNDF

Schwab Fundamental International Large Company Index

$19,326

GLD

SPDR Gold Shares

$22,340

MeasureFNDFGLD

Fee0.25%0.40%

Cost on $10k a year$25$40

Yield2.99%0.00%

5 years, per year+14.1%+17.4%

3 years, per year+25.6%+26.8%

Worst drop · 1Y−10.6%−28.3%

Volatility · 1Y16.4%29.0%

4–2measures won
FNDF first

Nov 5, 2026 · $10,000 five years ago, dividends reinvested

VWO vs IEMG

YTD

VanguardVWO

+1.2%

IEMGiShares

+6.0%

+1.2%Year to date+6.0%

2.2%Yield2.5%

$125BAssets$148B

2–0IEMG wins

End-of-day Nov 5, 2026

GLDM vs GLD

YTD

SPDRGLDM

−5.8%

GLDSPDR

−5.3%

−5.8%Year to date−5.3%

0.10% · $10Fee · on $10k a year0.40% · $40

$29.7BAssets$131B

1–1level

End-of-day Nov 5, 2026

SCHD vs VIG

YTD

SchwabSCHD

+32.3%

VIGVanguard

+12.5%

+32.3%Year to date+12.5%

3.0%Yield1.5%

$123BAssets$109B

2–0SCHD wins

End-of-day Nov 5, 2026

Overlap: FNDF, GLD, IEMG

Today

6.2%most shared, FNDF and IEMG

FNDFGLDIEMG

FNDF—[…]6.2%

GLD[…]—[…]

IEMG6.2%[…]—

End-of-day Nov 5, 2026 · share held in common · outlined: the pair in versus

Income After Fees on $10,000

$274most kept, FNDF

FNDF$299 − $25 = $274

IEMG$254 − $9 = $245

GLD$0 − $40 = −$40

KeptFee

End-of-day Nov 5, 2026 · yield in dollars minus the fee