Compare · 4 funds side by side · dividends reinvested

HAPI, DFAC, SPYM and VOO

HAPIHarbor×DFACDimensional×SPYMSPDR×VOOVanguard×

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Story of the four · Growth5Y$10,000 five years agoDividends reinvested · all four on one scale$17,408SPYM · best of the four

Story of the four · IncomeMost incomeVOO · 1.07% · $107 a year on $10k

Story of the four · RiskSmallest drop

HAPI, DFAC, SPYM and VOO, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

State Street SPDR Portfolio S&P 500 ETFLow-Cost Core · S&P 5000.02%1.02%+12.0%+12.2%+21.7%+11.7%−8.9%13.7%$183B2.0

Dimensional - US Core Equity 2 ETFUS Stock Styles · Large cap0.21%0.88%+14.1%+15.4%+20.7%+10.6%−8.5%13.1%$88.3B2.4

Vanguard S&P 500 ETFLow-Cost Core · S&P 5000.03%1.07%+11.9%+12.1%+21.7%+11.7%−8.9%13.7%$1.00T2.5

Harbor Human Capital Factor US Large Cap ETF (HAPI)US Stock Styles · Large cap0.35%0.78%+10.6%+11.5%+21.2%[…]−8.1%12.9%$497M3.0

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

End-of-day Nov 12, 2026 · returns include dividends · since: HAPI 2022 · DFAC 2005 · SPYM 2005 · VOO 2010

Head to Head

Swap sides Versus in desk

Head to Head

1Y

Dimensional - US Core Equity 2 ETF · $88.3B$11,541

More Ways to See the Pairs

DFAC vs HAPI: Top 5 Holdings

Today

DFAC

19.8%in top 5

HAPI

in top 526.8%

DFACStockHAPI

5.9%AAPL6.2%

2.7%AMZN6.0%

4.7%MSFT5.8%

4.4%NVDAnot top 5

1.9%META

Cost, Income and Risk

Fees: HAPI, DFAC, SPYM, VOO

Today

0.02%lowest, SPYM

FundExpense ratioFee$10k

SPYM0.02%$2

VOO0.03%$3

DFAC0.21%$21

HAPI0.35%$35

End-of-day Nov 12, 2026 · fee on $10,000 a year

Popular Pairs Near These Four

SPYM vs SPY

YTD

SPDRSPYM

+12.0%

SPYSPDR

+11.9%

+12.0%Year to date+11.9%

1.0%Yield1.0%

$183BAssets$793B

1–0SPYM wins

End-of-day Nov 12, 2026

VOO vs IVV

YTD

VanguardVOO

+11.9%

IVViShares

+12.0%

+11.9%

SCHD vs VIG

YTD

SchwabSCHD

+34.2%

VIGVanguard

+16.0%

DFAC

HAPI

Harbor Human Capital Factor US Large Cap ETF (HAPI) · $497M$11,149

$10,000 one year ago, dividends reinvested · they hold 41.4% in common

DFACMeasureHAPI

+14.1%Year to dateJan 1 → Nov 12+10.6%

+15.4%1 yearTotal return+11.5%

+20.7%3 years · per year$10,000 became $17,581 · $17,822+21.2%

+10.6%5 years · per year$10,000 became $16,580 · […][…]

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 12, 2026 · returns include dividends · 3Y and 5Y figures are per-year returns

4.4%

not top 5GOOGL4.3%

Held in common41.4%

End-of-day Nov 12, 2026 · share of each fund

DFAC vs HAPI Returns, Every Period

1Y

DimensionalDFAC

+15.4%

past year

HAPIHarbor

+11.5%

past year

DFACHAPIFaded: behind in that period

2–1DFAC wins

End-of-day Nov 12, 2026 · dividends in · faded = behind in that period

Stocks vs Core: DFAC vs VOO

YTD

DimensionalDFAC

+14.1%

VOOVanguard

+11.9%

+14.1%Year to date+11.9%

−8.5%Worst drop · 1Y−8.9%

13.1%Volatility · 1Y13.7%

0.9%Yield1.1%

$88.3BAssets$1.00T

3–1DFAC wins

End-of-day Nov 12, 2026 · smaller drop and lower volatility win

Yields: HAPI, DFAC, SPYM, VOO

1Y

1.07%highest, VOO

FundTrailing yieldYield$10k

VOO1.07%$107

SPYM1.02%$102

DFAC0.88%$88

HAPI0.78%$78

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

Income After Fees on $10,000

1Y

$104most kept, VOO

VOO$107 − $3 = $104

SPYM$102 − $2 = $100

DFAC$88 − $21 = $67

HAPI$78 − $35 = $43

KeptFee

End-of-day Nov 12, 2026 · yield in dollars minus the fee

Overlap: HAPI, DFAC, SPYM, VOO

Today

92.7%most shared, SPYM and VOO

HAPIDFACSPYMVOO

HAPI—41.4%50.4%49.4%

DFAC41.4%—68.8%67.3%

SPYM50.4%68.8%—92.7%

VOO49.4%67.3%92.7%—

End-of-day Nov 12, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 4 ETFs

1Y

+15.4%DFAC, at 13.1% volatility

HAPIWorst drop−8.1%12.9% vol

DFACWorst drop−8.5%13.1% vol

VOOWorst drop−8.9%13.7% vol

SPYMWorst drop−8.9%13.7% vol

End-of-day Nov 12, 2026 · up and left is better

Paid More vs Made More

YTD

VOODFAC

+11.9%Year to date+14.1%

1.1%Yield0.9%

+12.1%Past year+15.4%

0.03%Fee0.21%

2–2level

End-of-day Nov 12, 2026

Year to date

+12.0%

1.1%Yield1.1%

$1.00TAssets$883B

1–0IVV wins

End-of-day Nov 12, 2026

+34.2%Year to date+16.0%

2.9%Yield1.4%

$123BAssets$109B

2–0SCHD wins

End-of-day Nov 12, 2026

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HAPI, DFAC, SPYM and VOO

Head to Head

More Ways to See the Pairs

Cost, Income and Risk

Popular Pairs Near These Four