Compare · 4 funds side by side · dividends reinvested

HAPI, DFAC, SPY and IVV

HAPIHarbor×DFACDimensional×SPYSPDR×IVViShares×

Story of the four · Growth5Y$10,000 five years agoDividends reinvested · all four on one scale$17,545IVV · best of the four

02 / 04

HAPI, DFAC, SPY and IVV, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

iShares Core S&P 500 ETFLow-Cost Core · S&P 5000.03%1.11%+11.3%+13.6%+22.0%+11.9%−8.9%13.8%$853B2.1

Dimensional - US Core Equity 2 ETFUS Stock Styles · Large cap0.21%0.88%+14.1%+17.7%+21.2%+11.0%−8.5%13.1%$85.6B2.4

State Street SPDR S&P 500 ETFLow-Cost Core · S&P 5000.09%1.01%+11.2%+13.5%+21.9%+11.8%−8.9%13.7%$778B2.6

Harbor Human Capital Factor US Large Cap ETF (HAPI)US Stock Styles · Large cap0.35%0.78%+10.6%+13.6%+21.9%[…]−8.1%12.9%$483M2.7

Rank among the four1st → 4thFee, drop and volatility: lower ranks higherAvg rank: mean of the 8 ranks · 1 is best

End-of-day Nov 9, 2026 · returns include dividends · since: HAPI 2022 · DFAC 2005 · SPY 1993 · IVV 2000

Head to Head

Swap sides Versus in desk

Head to Head

Dimensional - US Core Equity 2 ETF · $85.6B$11,771

DFAC

HAPI

Harbor Human Capital Factor US Large Cap ETF (HAPI) · $483M$11,365

$10,000 one year ago, dividends reinvested · they hold 41.9% in common

DFACMeasureHAPI

+14.1%Year to dateJan 1 → Nov 9+10.6%

+17.7%1 yearTotal return+13.6%

+21.2%3 years · per year$10,000 became $17,787 · $18,105+21.9%

+11.0%5 years · per year$10,000 became $16,820 · […][…]

0.21%Expense ratio$21 · $35 a year on $10k · lower is better0.35%

0.88%Trailing 12-mo yield$88 · $78 a year on $10k0.78%

−8.5%Worst dropSmaller is better−8.1%

13.1%VolatilityLower is calmer12.9%

DFACHAPI Winner of the row, in its colourEach row: the bigger of the two fills its side

4–3DFAC wins

End-of-day Nov 9, 2026 · returns include dividends · 3Y and 5Y figures are per-year returns

More Ways to See the Pairs

DFAC vs HAPI: Top 5 Holdings

Today

DFAC

20.4%in top 5

HAPI

in top 527.5%

DFACStockHAPI

5.9%AAPL6.2%

5.0%MSFT6.1%

2.7%AMZN6.0%

4.9%NVDA4.7%

1.9%META4.4%

Held in common41.9%

End-of-day Nov 9, 2026 · share of each fund

DFAC vs HAPI Returns, Every Period

DimensionalDFAC

+17.7%

past year

HAPIHarbor

+13.6%

past year

DFACHAPIFaded: behind in that period

2–1DFAC wins

End-of-day Nov 9, 2026 · dividends in · faded = behind in that period

Stocks vs Core: DFAC vs IVV

YTD

DimensionalDFAC

+14.1%

IVViShares

+11.3%

+14.1%Year to date+11.3%

−8.5%Worst drop · 1Y−8.9%

13.1%Volatility · 1Y13.8%

0.9%Yield1.1%

$85.6BAssets$853B

3–1DFAC wins

End-of-day Nov 9, 2026 · smaller drop and lower volatility win

Cost, Income and Risk

Fees: HAPI, DFAC, SPY, IVV

Today

0.03%lowest, IVV

FundExpense ratioFee$10k

IVV0.03%$3

SPY0.09%$9

DFAC0.21%$21

HAPI0.35%$35

End-of-day Nov 9, 2026 · fee on $10,000 a year

Yields: HAPI, DFAC, SPY, IVV

1.11%highest, IVV

FundTrailing yieldYield$10k

IVV1.11%$111

SPY1.01%$101

DFAC0.88%$88

HAPI0.78%$78

End-of-day Nov 9, 2026 · trailing 12-month yield

Income After Fees on $10,000

$108most kept, IVV

IVV$111 − $3 = $108

SPY$101 − $9 = $92

DFAC$88 − $21 = $67

HAPI$78 − $35 = $43

KeptFee

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

Overlap: HAPI, DFAC, SPY, IVV

Today

99.9%most shared, SPY and IVV

HAPIDFACSPYIVV

HAPI—41.9%50.7%50.7%

DFAC41.9%—68.9%68.9%

SPY50.7%68.9%—99.9%

IVV50.7%68.9%99.9%—

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

Return vs Bumpiness: 4 ETFs

+17.7%DFAC, at 13.1% volatility

HAPIWorst drop−8.1%12.9% vol

DFACWorst drop−8.5%13.1% vol

SPYWorst drop−8.9%13.7% vol

IVVWorst drop−8.9%13.8% vol

End-of-day Nov 9, 2026 · up and left is better

Paid More vs Made More

YTD

IVVDFAC

+11.3%Year to date+14.1%

1.1%Yield0.9%

+13.6%Past year+17.7%

0.03%Fee0.21%

2–2level

End-of-day Nov 9, 2026

Popular Pairs Near These Four

SPYM vs SPY

YTD

SPDRSPYM

+11.3%

SPYSPDR

+11.2%

+11.3%Year to date+11.2%

1.0%Yield1.0%

$179BAssets$778B

1–0SPYM wins

End-of-day Nov 9, 2026

VOO vs IVV

YTD

VanguardVOO

+11.3%

IVViShares

+11.3%

+11.3%Year to date+11.3%

1.1%Yield1.1%

$1.00TAssets$853B

0–0level

End-of-day Nov 9, 2026

SCHD vs VIG

YTD

SchwabSCHD

+33.2%

VIGVanguard

+14.8%

+33.2%Year to date+14.8%

3.0%Yield1.5%

$120BAssets$109B

2–0SCHD wins

End-of-day Nov 9, 2026