ROAM vs VEA

AROAM

BVEA

Measures won3–3level · of 6 · 5Y

$10,000 · 5Y$16,963ROAM · SCHD $16,459

Lowest cost0.03%VEA · $3 on $10k

Most income2.96%SCHD · $296 on $10k

Smallest drop−6.9%SCHD · worst fall in 1Y

Held in common3.6%ROAM and VEA

ROAM

VEA

Hartford Multifactor Emerging Markets ETF · $99MVanguard FTSE Developed Markets ETF · $232B

+22.1%3 years · per year$18,216 · $17,516+20.5%

+11.1%5 years · per year$16,963 · $15,497+9.2%

0.44%Expense ratio$44 · $3 on $10k · lower wins0.03%

2.50%12-mo yield$250 · $244 on $10k2.44%

−12.0%Worst dropSmaller wins−11.6%

18.6%VolatilityLower wins18.3%

3–3Level

$10,000 · 5 yearsAll four, one scale

Shared top holdingsROAM · VEA

0.8%005930.KS2.8%

0.8%000660.KS2.3%

0.5%402340.KS0.2%

0.7%009150.KS0.2%

Held in common3.6%

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	SCHD	Schwab U.S. Dividend Equity ETFRead Desk	0.06%	2.96%	+1.4%	+33.2%	+39.1%	+19.6%	+10.5%	−6.9%	$121.7B
3	BVEA	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	IEMG	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	SCHD	Schwab U.S. Dividend Equity ETFRead Desk	0.06%	2.96%	+1.4%	+33.2%	+39.1%	+19.6%	+10.5%	−6.9%	$121.7B
3	BVEA	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	IEMG	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 VEA

ROAM

Hartford Multifactor Emerging Markets

$16,963

VEA

Vanguard FTSE Developed Markets

$15,497

MeasureROAMVEA

Fee0.44%0.03%

Cost on $10k a year$44$3

Yield2.50%2.44%

5 years, per year+11.1%+9.2%

3 years, per year+22.1%+20.5%

Worst drop · 1Y−12.0%−11.6%

Volatility · 1Y18.6%18.3%

3–3measures won
level

3.6%

holdings shared

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

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

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, VEA, SCHD, IEMG

Today

26.1%most shared, ROAM and IEMG

ROAMVEASCHDIEMG

ROAM—3.6%0.0%26.1%

VEA3.6%—0.0%9.5%

SCHD0.0%0.0%—0.0%

IEMG26.1%9.5%0.0%—

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

Income After Fees on $10,000

$290most kept, SCHD

SCHD$296 − $6 = $290

VEA$244 − $3 = $241

IEMG$242 − $9 = $233

ROAM$250 − $44 = $206

KeptFee

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