IPOS vs FNDF

AIPOS

BFNDF

Measures won0–6FNDF wins · of 6 · 5Y

$10,000 · 5Y$19,326FNDF · IEFA $15,228

Lowest cost0.05%VXUS · $5 on $10k

Most income3.34%IEFA · $334 on $10k

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

Held in common0.0%IPOS and FNDF

IPOS

FNDF

Renaissance International IPO ETF · $9MSchwab Fundamental International Large Company Index ETF · $25.9B

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

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

0.80%Expense ratio$80 · $25 on $10k · lower wins0.25%

0.77%12-mo yield$77 · $299 on $10k2.99%

−31.7%Worst dropSmaller wins−10.6%

35.3%VolatilityLower wins16.4%

0–6FNDF wins

$10,000 · 5 yearsAll four, one scale

Shared top holdingsIPOS · FNDF

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	BFNDF	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	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
3	VXUS	Vanguard Total International Stock ETFRead Desk	0.05%	2.37%	+2.0%	+12.0%	+15.0%	+21.0%	+8.5%	−11.3%	$163.2B
4	AIPOS	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	BFNDF	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	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
3	VXUS	Vanguard Total International Stock ETFRead Desk	0.05%	2.37%	+2.0%	+12.0%	+15.0%	+21.0%	+8.5%	−11.3%	$163.2B
4	AIPOS	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

IPOS vs FNDF

IPOS

Renaissance International IPO

$6,497

FNDF

Schwab Fundamental International Large Company Index

$19,326

MeasureIPOSFNDF

Fee0.80%0.25%

Cost on $10k a year$80$25

Yield0.77%2.99%

5 years, per year−8.3%+14.1%

3 years, per year+14.6%+25.6%

Worst drop · 1Y−31.7%−10.6%

Volatility · 1Y35.3%16.4%

6–0measures won
FNDF first

0.0%

holdings shared

Nov 4, 2026 · $10,000 five years ago, dividends reinvested

VXUS vs IXUS

YTD

VanguardVXUS

+12.0%

IXUSiShares

+12.4%

+12.0%Year to date+12.4%

2.4%Yield3.0%

$163BAssets$58.4B

2–0IXUS wins

End-of-day Nov 4, 2026

VEA vs IEFA

YTD

VanguardVEA

+14.4%

IEFAiShares

+11.9%

+14.4%Year to date+11.9%

2.4%Yield3.3%

$232BAssets$193B

1–1level

End-of-day Nov 4, 2026

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

Overlap: IPOS, FNDF, VXUS, IEFA

Today

57.5%most shared, FNDF and IEFA

IPOSFNDFVXUSIEFA

IPOS—0.0%0.0%0.0%

FNDF0.0%—47.5%57.5%

VXUS0.0%47.5%—49.9%

IEFA0.0%57.5%49.9%—

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

VXUS$237 − $5 = $232

IPOS$77 − $80 = −$3

KeptFee

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