ROAM vs EEM

AROAM

BEEM

Measures won6–0ROAM wins · of 6 · 5Y

$10,000 · 5Y$16,809ROAM · VT $15,649

Lowest cost0.03%VEA · $3 on $10k

Most income2.55%ROAM · $255 on $10k

Smallest drop−9.7%VT · worst fall in 1Y

Held in common28.4%ROAM and EEM

ROAM

EEM

Hartford Multifactor Emerging Markets ETF · $99MiShares MSCI Emerging Markets ETF · $27.5B

+22.0%3 years · per year$18,143 · $17,207+19.8%

+10.9%5 years · per year$16,809 · $13,109+5.6%

0.44%Expense ratio$44 · $72 on $10k · lower wins0.72%

2.55%12-mo yield$255 · $188 on $10k1.88%

−12.0%Worst dropSmaller wins−18.5%

18.5%VolatilityLower wins26.3%

6–0ROAM wins

$10,000 · 5 yearsAll four, one scale

Shared top holdingsROAM · EEM

0.9%005930.KS6.3%

0.9%0939.HK1.0%

0.8%000660.KS4.7%

0.8%2454.TW1.4%

Held in common28.4%

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 Four

5Y4 funds

#
1	AROAM	Hartford Multifactor Emerging Markets ETFRead Desk	0.44%	2.55%	+1.0%	+14.8%	+16.8%	+22.0%	+10.9%	−12.0%	$99M
2	VT	Vanguard Total World Stock ETFRead Desk	0.06%	1.59%	+0.2%	+8.5%	+10.4%	+20.7%	+9.4%	−9.7%	$81.8B
3	VEA	Vanguard FTSE Developed Markets ETFRead Desk	0.03%	2.51%	−0.4%	+9.7%	+14.8%	+20.3%	+8.7%	−11.6%	$231.6B
4	BEEM	iShares MSCI Emerging Markets ETFRead Desk	0.72%	1.88%	+2.2%	+9.0%	+9.7%	+19.8%	+5.6%	−18.5%	$27.5B

End-of-day Nov 6, 2026 · total return, dividends in · 3Y and 5Y per year · A and B = the pair in versus

All Four

5Y4 funds

#
1	AROAM	Hartford Multifactor Emerging Markets ETFRead Desk	0.44%	2.55%	+1.0%	+14.8%	+16.8%	+22.0%	+10.9%	−12.0%	$99M
2	VT	Vanguard Total World Stock ETFRead Desk	0.06%	1.59%	+0.2%	+8.5%	+10.4%	+20.7%	+9.4%	−9.7%	$81.8B
3	VEA	Vanguard FTSE Developed Markets ETFRead Desk	0.03%	2.51%	−0.4%	+9.7%	+14.8%	+20.3%	+8.7%	−11.6%	$231.6B
4	BEEM	iShares MSCI Emerging Markets ETFRead Desk	0.72%	1.88%	+2.2%	+9.0%	+9.7%	+19.8%	+5.6%	−18.5%	$27.5B

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

ROAM vs EEM

ROAM

Hartford Multifactor Emerging Markets

$16,809

EEM

iShares MSCI Emerging Markets

$13,109

MeasureROAMEEM

Fee0.44%0.72%

Cost on $10k a year$44$72

Yield2.55%1.88%

5 years, per year+10.9%+5.6%

3 years, per year+22.0%+19.8%

Worst drop · 1Y−12.0%−18.5%

Volatility · 1Y18.5%26.3%

6–0measures won
ROAM first

28.4%

holdings shared

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$187B

1–1level

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

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+3.2%

JEPIJ.P. Morgan

+5.3%

+3.2%Year to date+5.3%

12.8%Yield8.1%

$40.7BAssets$45.2B

1–1level

End-of-day Nov 6, 2026

Overlap: ROAM, EEM, VEA, VT

Today

28.4%most shared, ROAM and EEM

ROAMEEMVEAVT

ROAM—28.4%3.8%4.7%

EEM28.4%—8.9%8.4%

VEA3.8%8.9%—23.3%

VT4.7%8.4%23.3%—

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

Income After Fees on $10,000

$248most kept, VEA

VEA$251 − $3 = $248

ROAM$255 − $44 = $211

VT$159 − $6 = $153

EEM$188 − $72 = $116

KeptFee

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