ROAM vs IEMG

AROAM

BIEMG

Measures won5–1ROAM wins · of 6 · 5Y

$10,000 · 5Y$16,963ROAM · VEA $15,497

Lowest cost0.03%VEA · $3 on $10k

Most income2.50%ROAM · $250 on $10k

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

Held in common26.1%ROAM and IEMG

ROAM

IEMG

Hartford Multifactor Emerging Markets ETF · $99MiShares Core MSCI Emerging Markets ETF · $146B

+22.1%3 years · per year$18,216 · $17,172+19.8%

+11.1%5 years · per year$16,963 · $13,648+6.4%

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

2.50%12-mo yield$250 · $242 on $10k2.42%

−12.0%Worst dropSmaller wins−17.8%

18.6%VolatilityLower wins25.7%

5–1ROAM wins

$10,000 · 5 yearsAll four, one scale

Shared top holdingsROAM · IEMG

0.9%0939.HK0.9%

0.8%2454.TW1.2%

0.8%005930.KS5.3%

0.8%000660.KS3.7%

Held in common26.1%

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	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
3	VXUS	Vanguard Total International Stock ETFRead Desk	0.05%	2.39%	+2.8%	+11.1%	+15.3%	+19.5%	+8.1%	−11.3%	$163.2B
4	BIEMG	iShares Core MSCI Emerging Markets ETFRead Desk	0.09%	2.42%	+2.9%	+11.4%	+12.8%	+19.8%	+6.4%	−17.8%	$146.1B

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	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
3	VXUS	Vanguard Total International Stock ETFRead Desk	0.05%	2.39%	+2.8%	+11.1%	+15.3%	+19.5%	+8.1%	−11.3%	$163.2B
4	BIEMG	iShares Core MSCI Emerging Markets ETFRead Desk	0.09%	2.42%	+2.9%	+11.4%	+12.8%	+19.8%	+6.4%	−17.8%	$146.1B

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 IEMG

ROAM

Hartford Multifactor Emerging Markets

$16,963

IEMG

iShares Core MSCI Emerging Markets

$13,648

MeasureROAMIEMG

Fee0.44%0.09%

Cost on $10k a year$44$9

Yield2.50%2.42%

5 years, per year+11.1%+6.4%

3 years, per year+22.1%+19.8%

Worst drop · 1Y−12.0%−17.8%

Volatility · 1Y18.6%25.7%

5–1measures won
ROAM first

26.1%

holdings shared

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

VXUS vs IXUS

YTD

VanguardVXUS

+11.1%

IXUSiShares

+11.5%

+11.1%Year to date+11.5%

2.4%Yield3.0%

$163BAssets$58.0B

2–0IXUS wins

End-of-day Nov 9, 2026

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

VWO vs IEMG

YTD

VanguardVWO

+5.6%

IEMGiShares

+11.4%

+5.6%Year to date+11.4%

2.2%Yield2.4%

$125BAssets$146B

2–0IEMG wins

End-of-day Nov 9, 2026

Overlap: ROAM, IEMG, VEA, VXUS

Today

65.4%most shared, VEA and VXUS

ROAMIEMGVEAVXUS

ROAM—26.1%3.6%10.3%

IEMG26.1%—9.5%24.9%

VEA3.6%9.5%—65.4%

VXUS10.3%24.9%65.4%—

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

VXUS$239 − $5 = $234

IEMG$242 − $9 = $233

ROAM$250 − $44 = $206

KeptFee

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