FNDF vs IEMG

AFNDF

BIEMG

Measures won5–1FNDF wins · of 6 · 5Y

$10,000 · 5Y$18,872FNDF · VOO $17,543

Lowest cost0.03%VOO · $3 on $10k

Most income3.03%FNDF · $303 on $10k

Smallest drop−8.9%VOO · worst fall in 1Y

Held in common5.7%FNDF and IEMG

FNDF

IEMG

Schwab Fundamental International Large Company Index ETF · $25.6BiShares Core MSCI Emerging Markets ETF · $146B

+23.7%3 years · per year$18,931 · $17,172+19.8%

+13.5%5 years · per year$18,872 · $13,648+6.4%

0.25%Expense ratio$25 · $9 on $10k · lower wins0.09%

3.03%12-mo yield$303 · $242 on $10k2.42%

−10.6%Worst dropSmaller wins−17.8%

16.7%VolatilityLower wins25.7%

5–1FNDF wins

$10,000 · 5 yearsAll four, one scale

Shared top holdingsFNDF · IEMG

2.3%005930.KS5.3%

0.4%000660.KS3.7%

0.3%005935.KS0.7%

0.2%005380.KS0.2%

Held in common5.7%

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	VOO	Vanguard S&P 500 ETFRead Desk	0.03%	1.07%	+2.3%	+11.3%	+13.6%	+22.0%	+11.9%	−8.9%	$1.00T
3	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
4	BIEMG	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

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	VOO	Vanguard S&P 500 ETFRead Desk	0.03%	1.07%	+2.3%	+11.3%	+13.6%	+22.0%	+11.9%	−8.9%	$1.00T
3	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
4	BIEMG	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

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 IEMG

FNDF

Schwab Fundamental International Large Company Index

$18,872

IEMG

iShares Core MSCI Emerging Markets

$13,648

MeasureFNDFIEMG

Fee0.25%0.09%

Cost on $10k a year$25$9

Yield3.03%2.42%

5 years, per year+13.5%+6.4%

3 years, per year+23.7%+19.8%

Worst drop · 1Y−10.6%−17.8%

Volatility · 1Y16.7%25.7%

5–1measures won
FNDF first

5.7%

holdings shared

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

SPYM vs SPY

YTD

SPDRSPYM

+11.3%

SPYSPDR

+11.2%

+11.3%Year to date+11.2%

1.0%Yield1.0%

$179BAssets$778B

1–0SPYM 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

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

Overlap: FNDF, IEMG, VOO, VEA

Today

59.8%most shared, FNDF and VEA

FNDFIEMGVOOVEA

FNDF—5.7%0.4%59.8%

IEMG5.7%—0.0%9.5%

VOO0.4%0.0%—0.0%

VEA59.8%9.5%0.0%—

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

Income After Fees on $10,000

$278most kept, FNDF

FNDF$303 − $25 = $278

VEA$244 − $3 = $241

IEMG$242 − $9 = $233

VOO$107 − $3 = $104

KeptFee

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