ROAM vs IEMG

AROAM

BIEMG

Measures won5–1ROAM 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−11.6%VEA · worst fall in 1Y

Held in common26.4%ROAM and IEMG

ROAM

IEMG

Hartford Multifactor Emerging Markets ETF · $100MiShares Core MSCI Emerging Markets ETF · $148B

+22.0%3 years · per year$18,142 · $16,804+18.9%

+10.4%5 years · per year$16,400 · $12,929+5.3%

0.44%Expense ratio$44 · $9 on $10k · lower wins0.09%

2.57%12-mo yield$257 · $254 on $10k2.54%

−12.0%Worst dropSmaller wins−17.8%

18.5%VolatilityLower wins25.5%

5–1ROAM wins

$10,000 · 5 yearsAll three, one scale

Shared top holdingsROAM · IEMG

0.9%005930.KS6.0%

0.9%000660.KS4.5%

0.9%2454.TW1.3%

0.8%0939.HK0.9%

Held in common26.4%

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 Three

5Y3 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%	$100M
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	BIEMG	iShares Core MSCI Emerging Markets ETFRead Desk	0.09%	2.54%	−5.6%	+6.0%	+7.5%	+18.9%	+5.3%	−17.8%	$147.8B

End-of-day Nov 5, 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%	2.57%	−3.7%	+13.7%	+16.7%	+22.0%	+10.4%	−12.0%	$100M
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	BIEMG	iShares Core MSCI Emerging Markets ETFRead Desk	0.09%	2.54%	−5.6%	+6.0%	+7.5%	+18.9%	+5.3%	−17.8%	$147.8B

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 IEMG

ROAM

Hartford Multifactor Emerging Markets

$16,400

IEMG

iShares Core MSCI Emerging Markets

$12,929

MeasureROAMIEMG

Fee0.44%0.09%

Cost on $10k a year$44$9

Yield2.57%2.54%

5 years, per year+10.4%+5.3%

3 years, per year+22.0%+18.9%

Worst drop · 1Y−12.0%−17.8%

Volatility · 1Y18.5%25.5%

5–1measures won
ROAM first

26.4%

holdings shared

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

VEA vs IEFA

YTD

VanguardVEA

+10.2%

IEFAiShares

+8.5%

+10.2%Year to date+8.5%

2.5%Yield3.4%

$232BAssets$193B

1–1level

End-of-day Nov 5, 2026

VWO vs IEMG

YTD

VanguardVWO

+1.2%

IEMGiShares

+6.0%

+1.2%Year to date+6.0%

2.2%Yield2.5%

$125BAssets$148B

2–0IEMG wins

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%

$123BAssets$109B

2–0SCHD wins

End-of-day Nov 5, 2026

Overlap: ROAM, IEMG, VEA

Today

26.4%most shared, ROAM and IEMG

ROAMIEMGVEA

ROAM—26.4%3.9%

IEMG26.4%—9.5%

VEA3.9%9.5%—

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

IEMG$254 − $9 = $245

ROAM$257 − $44 = $213

KeptFee

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