GLD vs FNDF

AGLD

BFNDF

Measures won2–4FNDF wins · of 6 · 5Y

$10,000 · 5Y$22,353GLD · FNDF $18,637

Lowest cost0.07%IEFA · $7 on $10k

Most income3.47%IEFA · $347 on $10k

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

Held in common[…]GLD and FNDF

GLD

FNDF

SPDR Gold Shares · $135BSchwab Fundamental International Large Company Index ETF · $26.0B

+26.6%3 years · per year$20,300 · $18,863+23.6%

+17.5%5 years · per year$22,353 · $18,637+13.3%

0.40%Expense ratio$40 · $25 on $10k · lower wins0.25%

0.00%12-mo yield$0 · $310 on $10k3.10%

−28.3%Worst dropSmaller wins−10.6%

29.0%VolatilityLower wins16.6%

2–4FNDF wins

$10,000 · 5 yearsAll three, one scale

Shared top holdingsGLD · FNDF

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

Held in common[…]

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	AGLD	SPDR Gold SharesRead Desk	0.40%	0.00%	−0.8%	−6.0%	+1.6%	+26.6%	+17.5%	−28.3%	$135.0B
2	BFNDF	Schwab Fundamental International Large Company Index ETFRead Desk	0.25%	3.10%	−0.9%	+17.4%	+24.6%	+23.6%	+13.3%	−10.6%	$26.0B
3	IEFA	iShares Core MSCI EAFE ETFRead Desk	0.07%	3.47%	−0.8%	+7.7%	+11.9%	+18.5%	+7.8%	−11.5%	$188.8B

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	AGLD	SPDR Gold SharesRead Desk	0.40%	0.00%	−0.8%	−6.0%	+1.6%	+26.6%	+17.5%	−28.3%	$135.0B
2	BFNDF	Schwab Fundamental International Large Company Index ETFRead Desk	0.25%	3.10%	−0.9%	+17.4%	+24.6%	+23.6%	+13.3%	−10.6%	$26.0B
3	IEFA	iShares Core MSCI EAFE ETFRead Desk	0.07%	3.47%	−0.8%	+7.7%	+11.9%	+18.5%	+7.8%	−11.5%	$188.8B

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

GLD vs FNDF

GLD

SPDR Gold Shares

$22,353

FNDF

Schwab Fundamental International Large Company Index

$18,636

MeasureGLDFNDF

Fee0.40%0.25%

Cost on $10k a year$40$25

Yield0.00%3.10%

5 years, per year+17.5%+13.3%

3 years, per year+26.6%+23.6%

Worst drop · 1Y−28.3%−10.6%

Volatility · 1Y29.0%16.6%

4–2measures won
FNDF first

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

VEA vs IEFA

YTD

VanguardVEA

+9.7%

IEFAiShares

+7.7%

+9.7%Year to date+7.7%

2.5%Yield3.5%

$232BAssets$189B

1–1level

End-of-day Nov 6, 2026

GLDM vs GLD

YTD

SPDRGLDM

−5.8%

GLDSPDR

−6.0%

−5.8%Year to date−6.0%

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

$30.5BAssets$135B

2–0GLDM 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

Overlap: GLD, FNDF, IEFA

Today

58.2%most shared, FNDF and IEFA

GLDFNDFIEFA

GLD—[…][…]

FNDF[…]—58.2%

IEFA[…]58.2%—

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

Income After Fees on $10,000

$340most kept, IEFA

IEFA$347 − $7 = $340

FNDF$310 − $25 = $285

GLD$0 − $40 = −$40

KeptFee

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