ROAM vs IEMG

AROAM

BIEMG

Measures won5–1ROAM wins · of 6 · 5Y

$10,000 · 5Y$16,809ROAM · VEA $15,197

Lowest cost0.03%VEA · $3 on $10k

Most income2.55%ROAM · $255 on $10k

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

Held in common26.2%ROAM and IEMG

ROAM

IEMG

Hartford Multifactor Emerging Markets ETF · $101MiShares Core MSCI Emerging Markets ETF · $142B

+22.0%3 years · per year$18,143 · $16,988+19.3%

+10.9%5 years · per year$16,809 · $13,373+6.0%

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

2.55%12-mo yield$255 · $249 on $10k2.49%

−12.0%Worst dropSmaller wins−17.8%

18.5%VolatilityLower wins25.5%

5–1ROAM wins

$10,000 · 5 yearsAll four, one scale

Shared top holdingsROAM · IEMG

0.9%005930.KS5.6%

0.9%0939.HK0.9%

0.8%000660.KS4.1%

0.8%2454.TW1.2%

Held in common26.2%

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 Four

5Y4 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	VEA	Vanguard FTSE Developed Markets ETFRead Desk	0.03%	2.51%	−0.4%	+9.7%	+14.8%	+20.3%	+8.7%	−11.6%	$231.6B
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
4	BIEMG	iShares Core MSCI Emerging Markets ETFRead Desk	0.09%	2.49%	+2.1%	+8.3%	+8.8%	+19.3%	+6.0%	−17.8%	$142.1B

End-of-day Nov 6, 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%	2.55%	+1.0%	+14.8%	+16.8%	+22.0%	+10.9%	−12.0%	$101M
2	VEA	Vanguard FTSE Developed Markets ETFRead Desk	0.03%	2.51%	−0.4%	+9.7%	+14.8%	+20.3%	+8.7%	−11.6%	$231.6B
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
4	BIEMG	iShares Core MSCI Emerging Markets ETFRead Desk	0.09%	2.49%	+2.1%	+8.3%	+8.8%	+19.3%	+6.0%	−17.8%	$142.1B

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 IEMG

ROAM

Hartford Multifactor Emerging Markets

$16,809

IEMG

iShares Core MSCI Emerging Markets

$13,373

MeasureROAMIEMG

Fee0.44%0.09%

Cost on $10k a year$44$9

Yield2.55%2.49%

5 years, per year+10.9%+6.0%

3 years, per year+22.0%+19.3%

Worst drop · 1Y−12.0%−17.8%

Volatility · 1Y18.5%25.5%

4–1measures won
ROAM first

26.2%

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$187B

1–1level

End-of-day Nov 6, 2026

VWO vs IEMG

YTD

VanguardVWO

+3.2%

IEMGiShares

+8.3%

+3.2%Year to date+8.3%

2.2%Yield2.5%

$125BAssets$142B

2–0IEMG wins

End-of-day Nov 6, 2026

Overlap: ROAM, IEMG, VXUS, VEA

Today

65.3%most shared, VXUS and VEA

ROAMIEMGVXUSVEA

ROAM—26.2%10.5%3.8%

IEMG26.2%—24.8%9.5%

VXUS10.5%24.8%—65.3%

VEA3.8%9.5%65.3%—

End-of-day Nov 6, 2026 · share held in common · outlined: the pair in versus

Income After Fees on $10,000

$248most kept, VEA

VEA$251 − $3 = $248

VXUS$245 − $5 = $240

IEMG$249 − $9 = $240

ROAM$255 − $44 = $211

KeptFee

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