ROAM vs EEM

AROAM

BEEM

Measures won6–0ROAM wins · of 6 · 5Y

$10,000 · 5Y$16,400ROAM · VEA $15,147

Lowest cost0.03%VEA · $3 on $10k

Most income2.57%ROAM · $257 on $10k

Smallest drop−11.3%VXUS · worst fall in 1Y

Held in common28.6%ROAM and EEM

ROAM

EEM

Hartford Multifactor Emerging Markets ETF · $101MiShares MSCI Emerging Markets ETF · $27.0B

+22.0%3 years · per year$18,142 · $16,989+19.3%

+10.4%5 years · per year$16,400 · $12,642+4.8%

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

2.57%12-mo yield$257 · $192 on $10k1.92%

−12.0%Worst dropSmaller wins−18.5%

18.5%VolatilityLower wins26.2%

6–0ROAM wins

$10,000 · 5 yearsAll four, one scale

Shared top holdingsROAM · EEM

0.9%005930.KS6.8%

0.9%000660.KS5.1%

0.9%2454.TW1.5%

0.8%0939.HK1.0%

Held in common28.6%

End-of-day Nov 5, 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%	2.57%	−3.7%	+13.7%	+16.7%	+22.0%	+10.4%	−12.0%	$101M
2	VEA	Vanguard FTSE Developed Markets ETFRead Desk	0.03%	2.50%	−3.7%	+10.2%	+16.0%	+20.9%	+8.7%	−11.6%	$231.6B
3	VXUS	Vanguard Total International Stock ETFRead Desk	0.05%	2.46%	−3.7%	+7.9%	+12.2%	+19.5%	+7.5%	−11.3%	$163.2B
4	BEEM	iShares MSCI Emerging Markets ETFRead Desk	0.72%	1.92%	−5.8%	+6.7%	+8.3%	+19.3%	+4.8%	−18.5%	$27.0B

End-of-day Nov 5, 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%	2.57%	−3.7%	+13.7%	+16.7%	+22.0%	+10.4%	−12.0%	$101M
2	VEA	Vanguard FTSE Developed Markets ETFRead Desk	0.03%	2.50%	−3.7%	+10.2%	+16.0%	+20.9%	+8.7%	−11.6%	$231.6B
3	VXUS	Vanguard Total International Stock ETFRead Desk	0.05%	2.46%	−3.7%	+7.9%	+12.2%	+19.5%	+7.5%	−11.3%	$163.2B
4	BEEM	iShares MSCI Emerging Markets ETFRead Desk	0.72%	1.92%	−5.8%	+6.7%	+8.3%	+19.3%	+4.8%	−18.5%	$27.0B

End-of-day Nov 5, 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

$16,400

EEM

iShares MSCI Emerging Markets

$12,642

MeasureROAMEEM

Fee0.44%0.72%

Cost on $10k a year$44$72

Yield2.57%1.92%

5 years, per year+10.4%+4.8%

3 years, per year+22.0%+19.3%

Worst drop · 1Y−12.0%−18.5%

Volatility · 1Y18.5%26.2%

6–0measures won
ROAM first

28.6%

holdings shared

Nov 5, 2026 · $10,000 five years ago, dividends reinvested

VXUS vs IXUS

YTD

VanguardVXUS

+7.9%

IXUSiShares

+8.2%

+7.9%Year to date+8.2%

2.5%Yield3.1%

$163BAssets$56.4B

2–0IXUS wins

End-of-day Nov 5, 2026

VEA vs IEFA

YTD

VanguardVEA

+10.2%

IEFAiShares

+8.5%

+10.2%Year to date+8.5%

2.5%Yield3.4%

$232BAssets$189B

1–1level

End-of-day Nov 5, 2026

SCHD vs VIG

YTD

SchwabSCHD

+32.3%

VIGVanguard

+12.5%

+32.3%Year to date+12.5%

3.0%Yield1.5%

$120BAssets$109B

2–0SCHD wins

End-of-day Nov 5, 2026

Overlap: ROAM, EEM, VEA, VXUS

Today

28.6%most shared, ROAM and EEM

ROAMEEMVEAVXUS

ROAM—28.6%3.9%5.2%

EEM28.6%—8.9%9.9%

VEA3.9%8.9%—8.4%

VXUS5.2%9.9%8.4%—

End-of-day Nov 5, 2026 · share held in common · outlined: the pair in versus

Income After Fees on $10,000

$247most kept, VEA

VEA$250 − $3 = $247

VXUS$246 − $5 = $241

ROAM$257 − $44 = $213

EEM$192 − $72 = $120

KeptFee

End-of-day Nov 5, 2026 · yield in dollars minus the fee