FNDF vs IPOS

AFNDF

BIPOS

Measures won6–0FNDF wins · of 6 · 5Y

$10,000 · 5Y$19,326FNDF · VEA $15,893

Lowest cost0.03%VEA · $3 on $10k

Most income3.34%IEFA · $334 on $10k

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

Held in common0.0%FNDF and IPOS

FNDF

IPOS

Schwab Fundamental International Large Company Index ETF · $25.9BRenaissance International IPO ETF · $9M

+25.6%3 years · per year$19,830 · $15,036+14.6%

+14.1%5 years · per year$19,326 · $6,497−8.3%

0.25%Expense ratio$25 · $80 on $10k · lower wins0.80%

2.99%12-mo yield$299 · $77 on $10k0.77%

−10.6%Worst dropSmaller wins−31.7%

16.4%VolatilityLower wins35.3%

6–0FNDF wins

$10,000 · 5 yearsAll four, one scale

Shared top holdingsFNDF · IPOS

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

Held in common0.0%

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

All Four

5Y4 funds

#
1	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
2	VEA	Vanguard FTSE Developed Markets ETFRead Desk	0.03%	2.41%	+2.1%	+14.4%	+18.9%	+22.5%	+9.7%	−11.6%	$231.6B
3	IEFA	iShares Core MSCI EAFE ETFRead Desk	0.07%	3.34%	+2.5%	+11.9%	+15.8%	+20.6%	+8.8%	−11.5%	$193.1B
4	BIPOS	Renaissance International IPO ETFRead Desk	0.80%	0.77%	+4.8%	+11.1%	+7.6%	+14.6%	−8.3%	−31.7%	$9M

End-of-day Nov 4, 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%	2.99%	+2.2%	+21.8%	+28.6%	+25.6%	+14.1%	−10.6%	$25.9B
2	VEA	Vanguard FTSE Developed Markets ETFRead Desk	0.03%	2.41%	+2.1%	+14.4%	+18.9%	+22.5%	+9.7%	−11.6%	$231.6B
3	IEFA	iShares Core MSCI EAFE ETFRead Desk	0.07%	3.34%	+2.5%	+11.9%	+15.8%	+20.6%	+8.8%	−11.5%	$193.1B
4	BIPOS	Renaissance International IPO ETFRead Desk	0.80%	0.77%	+4.8%	+11.1%	+7.6%	+14.6%	−8.3%	−31.7%	$9M

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

FNDF vs IPOS

FNDF

Schwab Fundamental International Large Company Index

$19,326

IPOS

Renaissance International IPO

$6,497

MeasureFNDFIPOS

Fee0.25%0.80%

Cost on $10k a year$25$80

Yield2.99%0.77%

5 years, per year+14.1%−8.3%

3 years, per year+25.6%+14.6%

Worst drop · 1Y−10.6%−31.7%

Volatility · 1Y16.4%35.3%

6–0measures won
FNDF first

0.0%

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: FNDF, IPOS, IEFA, VEA

Today

71.5%most shared, IEFA and VEA

FNDFIPOSIEFAVEA

FNDF—0.0%57.5%60.4%

IPOS0.0%—0.0%0.0%

IEFA57.5%0.0%—71.5%

VEA60.4%0.0%71.5%—

End-of-day Nov 4, 2026 · share held in common · outlined: the pair in versus

Income After Fees on $10,000

$327most kept, IEFA

IEFA$334 − $7 = $327

FNDF$299 − $25 = $274

VEA$241 − $3 = $238

IPOS$77 − $80 = −$3

KeptFee

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