ROAM vs IEFA

AROAM

BIEFA

Measures won2–4IEFA wins · of 6 · 5Y

$10,000 · 5Y$16,809ROAM · IEFA $14,591

Lowest cost0.05%VXUS · $5 on $10k

Most income3.47%IEFA · $347 on $10k

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

Held in common0.0%ROAM and IEFA

ROAM

IEFA

Hartford Multifactor Emerging Markets ETF · $101MiShares Core MSCI EAFE ETF · $189B

+22.0%3 years · per year$18,143 · $16,646+18.5%

+10.9%5 years · per year$16,809 · $14,591+7.8%

0.44%Expense ratio$44 · $7 on $10k · lower wins0.07%

2.55%12-mo yield$255 · $347 on $10k3.47%

−12.0%Worst dropSmaller wins−11.5%

18.5%VolatilityLower wins16.2%

2–4IEFA wins

$10,000 · 5 yearsAll three, one scale

Shared top holdingsROAM · IEFA

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

Held in common0.0%

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	AROAM	Hartford Multifactor Emerging Markets ETFRead Desk	0.44%	2.55%	+1.0%	+14.8%	+16.8%	+22.0%	+10.9%	−12.0%	$101M
2	BIEFA	iShares Core MSCI EAFE ETFRead Desk	0.07%	3.47%	−0.8%	+7.7%	+11.9%	+18.5%	+7.8%	−11.5%	$188.8B
3	VXUS	Vanguard Total International Stock ETFRead Desk	0.05%	2.45%	+0.1%	+8.1%	+11.6%	+19.2%	+7.7%	−11.3%	$163.2B

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	AROAM	Hartford Multifactor Emerging Markets ETFRead Desk	0.44%	2.55%	+1.0%	+14.8%	+16.8%	+22.0%	+10.9%	−12.0%	$101M
2	BIEFA	iShares Core MSCI EAFE ETFRead Desk	0.07%	3.47%	−0.8%	+7.7%	+11.9%	+18.5%	+7.8%	−11.5%	$188.8B
3	VXUS	Vanguard Total International Stock ETFRead Desk	0.05%	2.45%	+0.1%	+8.1%	+11.6%	+19.2%	+7.7%	−11.3%	$163.2B

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 IEFA

ROAM

Hartford Multifactor Emerging Markets

$16,809

IEFA

iShares Core MSCI EAFE

$14,591

MeasureROAMIEFA

Fee0.44%0.07%

Cost on $10k a year$44$7

Yield2.55%3.47%

5 years, per year+10.9%+7.8%

3 years, per year+22.0%+18.5%

Worst drop · 1Y−12.0%−11.5%

Volatility · 1Y18.5%16.2%

4–2measures won
IEFA first

0.0%

holdings shared

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

VXUS vs IXUS

YTD

VanguardVXUS

+8.1%

IXUSiShares

+8.2%

+8.1%Year to date+8.2%

2.5%Yield3.1%

$163BAssets$56.4B

2–0IXUS wins

End-of-day Nov 6, 2026

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

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: ROAM, IEFA, VXUS

Today

50.0%most shared, IEFA and VXUS

ROAMIEFAVXUS

ROAM—0.0%10.5%

IEFA0.0%—50.0%

VXUS10.5%50.0%—

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

VXUS$245 − $5 = $240

ROAM$255 − $44 = $211

KeptFee

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