ROAM vs VXUS

AROAM

BVXUS

Measures won3–3level · of 6 · 5Y

$10,000 · 5Y$16,400ROAM · VT $15,576

Lowest cost0.03%VEA · $3 on $10k

Most income2.57%ROAM · $257 on $10k

Smallest drop−9.7%VT · worst fall in 1Y

Held in common5.2%ROAM and VXUS

ROAM

VXUS

Hartford Multifactor Emerging Markets ETF · $101MVanguard Total International Stock ETF · $163B

+22.0%3 years · per year$18,142 · $17,068+19.5%

+10.4%5 years · per year$16,400 · $14,347+7.5%

0.44%Expense ratio$44 · $5 on $10k · lower wins0.05%

2.57%12-mo yield$257 · $246 on $10k2.46%

−12.0%Worst dropSmaller wins−11.3%

18.5%VolatilityLower wins17.7%

3–3Level

$10,000 · 5 yearsAll four, one scale

Shared top holdingsROAM · VXUS

0.4%2319.HK0.2%

0.2%7020.SR0.2%

0.9%COFORGE.BO0.1%

0.2%6690.HK0.1%

Held in common5.2%

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 Four

5Y4 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%	$101M
2	VT	Vanguard Total World Stock ETFRead Desk	0.06%	1.59%	−4.1%	+8.2%	+10.7%	+21.0%	+9.3%	−9.7%	$81.8B
3	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
4	BVXUS	Vanguard Total International Stock ETFRead Desk	0.05%	2.46%	−3.7%	+7.9%	+12.2%	+19.5%	+7.5%	−11.3%	$163.2B

End-of-day Nov 5, 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%	2.57%	−3.7%	+13.7%	+16.7%	+22.0%	+10.4%	−12.0%	$101M
2	VT	Vanguard Total World Stock ETFRead Desk	0.06%	1.59%	−4.1%	+8.2%	+10.7%	+21.0%	+9.3%	−9.7%	$81.8B
3	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
4	BVXUS	Vanguard Total International Stock ETFRead Desk	0.05%	2.46%	−3.7%	+7.9%	+12.2%	+19.5%	+7.5%	−11.3%	$163.2B

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 VXUS

ROAM

Hartford Multifactor Emerging Markets

$16,400

VXUS

Vanguard Total International Stock

$14,347

MeasureROAMVXUS

Fee0.44%0.05%

Cost on $10k a year$44$5

Yield2.57%2.46%

5 years, per year+10.4%+7.5%

3 years, per year+22.0%+19.5%

Worst drop · 1Y−12.0%−11.3%

Volatility · 1Y18.5%17.7%

3–3measures won
level

5.2%

holdings shared

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

VXUS vs IXUS

YTD

VanguardVXUS

+7.9%

IXUSiShares

+8.2%

+7.9%Year to date+8.2%

2.5%Yield3.1%

$163BAssets$56.4B

2–0IXUS wins

End-of-day Nov 5, 2026

VEA vs IEFA

YTD

VanguardVEA

+10.2%

IEFAiShares

+8.5%

+10.2%Year to date+8.5%

2.5%Yield3.4%

$232BAssets$189B

1–1level

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%

$120BAssets$109B

2–0SCHD wins

End-of-day Nov 5, 2026

Overlap: ROAM, VXUS, VEA, VT

Today

23.3%most shared, VEA and VT

ROAMVXUSVEAVT

ROAM—5.2%3.9%4.7%

VXUS5.2%—8.4%0.6%

VEA3.9%8.4%—23.3%

VT4.7%0.6%23.3%—

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

VXUS$246 − $5 = $241

ROAM$257 − $44 = $213

VT$159 − $6 = $153

KeptFee

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