ROAM vs EEM

AROAM

BEEM

Measures won6–0ROAM wins · of 6 · 5Y

$10,000 · 5Y$16,963ROAM · VT $15,957

Lowest cost0.03%VEA · $3 on $10k

Most income2.50%ROAM · $250 on $10k

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

Held in common28.3%ROAM and EEM

ROAM

EEM

Hartford Multifactor Emerging Markets ETF · $99MiShares MSCI Emerging Markets ETF · $28.3B

+22.1%3 years · per year$18,216 · $17,424+20.3%

+11.1%5 years · per year$16,963 · $13,405+6.0%

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

2.50%12-mo yield$250 · $183 on $10k1.83%

−12.0%Worst dropSmaller wins−18.5%

18.6%VolatilityLower wins26.5%

6–0ROAM wins

$10,000 · 5 yearsAll four, one scale

Shared top holdingsROAM · EEM

0.9%0939.HK1.0%

0.8%2454.TW1.4%

0.8%005930.KS6.0%

0.8%000660.KS4.3%

Held in common28.3%

End-of-day Nov 9, 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%	2.50%	+2.0%	+17.1%	+19.4%	+22.1%	+11.1%	−12.0%	$99M
2	VT	Vanguard Total World Stock ETFRead Desk	0.06%	1.55%	+2.6%	+11.3%	+14.3%	+20.9%	+9.8%	−9.7%	$81.8B
3	VEA	Vanguard FTSE Developed Markets ETFRead Desk	0.03%	2.44%	+2.9%	+12.9%	+18.8%	+20.5%	+9.2%	−11.6%	$231.6B
4	BEEM	iShares MSCI Emerging Markets ETFRead Desk	0.72%	1.83%	+2.9%	+12.3%	+13.9%	+20.3%	+6.0%	−18.5%	$28.3B

End-of-day Nov 9, 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%	2.50%	+2.0%	+17.1%	+19.4%	+22.1%	+11.1%	−12.0%	$99M
2	VT	Vanguard Total World Stock ETFRead Desk	0.06%	1.55%	+2.6%	+11.3%	+14.3%	+20.9%	+9.8%	−9.7%	$81.8B
3	VEA	Vanguard FTSE Developed Markets ETFRead Desk	0.03%	2.44%	+2.9%	+12.9%	+18.8%	+20.5%	+9.2%	−11.6%	$231.6B
4	BEEM	iShares MSCI Emerging Markets ETFRead Desk	0.72%	1.83%	+2.9%	+12.3%	+13.9%	+20.3%	+6.0%	−18.5%	$28.3B

End-of-day Nov 9, 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

$16,963

EEM

iShares MSCI Emerging Markets

$13,405

MeasureROAMEEM

Fee0.44%0.72%

Cost on $10k a year$44$72

Yield2.50%1.83%

5 years, per year+11.1%+6.0%

3 years, per year+22.1%+20.3%

Worst drop · 1Y−12.0%−18.5%

Volatility · 1Y18.6%26.5%

6–0measures won
ROAM first

28.3%

holdings shared

Nov 9, 2026 · $10,000 five years ago, dividends reinvested

VEA vs IEFA

YTD

VanguardVEA

+12.9%

IEFAiShares

+11.1%

+12.9%Year to date+11.1%

2.4%Yield3.4%

$232BAssets$193B

1–1level

End-of-day Nov 9, 2026

SCHD vs VIG

YTD

SchwabSCHD

+33.2%

VIGVanguard

+14.8%

+33.2%Year to date+14.8%

3.0%Yield1.5%

$122BAssets$109B

2–0SCHD wins

End-of-day Nov 9, 2026

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+6.6%

JEPIJ.P. Morgan

+7.5%

+6.6%Year to date+7.5%

12.4%Yield7.9%

$40.7BAssets$45.2B

1–1level

End-of-day Nov 9, 2026

Overlap: ROAM, EEM, VT, VEA

Today

28.3%most shared, ROAM and EEM

ROAMEEMVTVEA

ROAM—28.3%4.7%3.6%

EEM28.3%—8.5%8.9%

VT4.7%8.5%—23.3%

VEA3.6%8.9%23.3%—

End-of-day Nov 9, 2026 · share held in common · outlined: the pair in versus

Income After Fees on $10,000

$241most kept, VEA

VEA$244 − $3 = $241

ROAM$250 − $44 = $206

VT$155 − $6 = $149

EEM$183 − $72 = $111

KeptFee

End-of-day Nov 9, 2026 · yield in dollars minus the fee