Compare · 2 funds side by side · dividends reinvested

HAPI and VTI

Story of the two · Growth5Y$10,000 five years agoDividends reinvested · both on one scale$16,375VTI · best of the two

02 / 04

HAPI and VTI, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

Harbor Human Capital Factor US Large Cap ETF (HAPI)US Stock Styles · Large cap0.35%0.80%+8.0%+9.9%+21.7%[…]−8.1%12.7%$503M1.4

Vanguard Morningstar Total Stock Market ETFLow-Cost Core · Total US market0.03%1.09%+8.9%+9.9%+21.7%+10.4%−8.9%13.7%$689B1.5

Rank among the two1st → 2ndFee, drop and volatility: lower ranks higherAvg rank: mean of the 8 ranks · 1 is best

End-of-day Nov 6, 2026 · returns include dividends · since: HAPI 2022 · VTI 2001

Head to Head

Swap sides Versus in desk

Head to Head

Harbor Human Capital Factor US Large Cap ETF (HAPI) · $503M$10,995

HAPI

VTI

Vanguard Morningstar Total Stock Market ETF · $689B$10,987

$10,000 one year ago, dividends reinvested · they hold 46.0% in common

HAPIMeasureVTI

+8.0%Year to dateJan 1 → Nov 6+8.9%

+9.9%1 yearTotal return+9.9%

+21.7%3 years · per year$10,000 became $18,006 · $18,004+21.7%

[…]5 years · per year$10,000 became […] · $16,375+10.4%

0.35%Expense ratio$35 · $3 a year on $10k · lower is better0.03%

0.80%Trailing 12-mo yield$80 · $109 a year on $10k1.09%

−8.1%Worst dropSmaller is better−8.9%

12.7%VolatilityLower is calmer13.7%

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

2–3VTI wins

End-of-day Nov 6, 2026 · returns include dividends · 3Y and 5Y figures are per-year returns

More Ways to See the Pairs

HAPI vs VTI: Top 5 Holdings

Today

HAPI

27.4%in top 5

VTI

in top 525.0%

HAPIStockVTI

4.6%NVDA7.1%

6.2%AAPL6.6%

6.2%MSFT5.2%

6.0%AMZN3.3%

4.4%METAnot top 5

not top 5GOOGL2.8%

Held in common46.0%

End-of-day Nov 6, 2026 · share of each fund

HAPI vs VTI Returns, Every Period

HarborHAPI

+9.9%

past year

VTIVanguard

+9.9%

past year

HAPIVTIFaded: behind in that period

0–1VTI wins

End-of-day Nov 6, 2026 · dividends in · faded = behind in that period

Stocks vs Core: HAPI vs VTI

YTD

HarborHAPI

+8.0%

VTIVanguard

+8.9%

+8.0%Year to date+8.9%

−8.1%Worst drop · 1Y−8.9%

12.7%Volatility · 1Y13.7%

0.8%Yield1.1%

$503MAssets$689B

2–2level

End-of-day Nov 6, 2026 · smaller drop and lower volatility win

Cost, Income and Risk

Fees: HAPI, VTI

Today

0.03%lowest, VTI

FundExpense ratioFee$10k

VTI0.03%$3

HAPI0.35%$35

End-of-day Nov 6, 2026 · fee on $10,000 a year

Yields: HAPI, VTI

1.09%highest, VTI

FundTrailing yieldYield$10k

VTI1.09%$109

HAPI0.80%$80

End-of-day Nov 6, 2026 · trailing 12-month yield

Income After Fees on $10,000

$106most kept, VTI

VTI$109 − $3 = $106

HAPI$80 − $35 = $45

KeptFee

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

Overlap: HAPI, VTI

Today

46.0%most shared, HAPI and VTI

HAPIVTI

HAPI—46.0%

VTI46.0%—

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

Return vs Bumpiness: 2 ETFs

+9.9%HAPI, at 12.7% volatility

HAPIWorst drop−8.1%12.7% vol

VTIWorst drop−8.9%13.7% vol

End-of-day Nov 6, 2026 · up and left is better

Paid More vs Made More

YTD

VTIHAPI

+8.9%Year to date+8.0%

1.1%Yield0.8%

+9.9%Past year+9.9%

0.03%Fee0.35%

3–0VTI wins

End-of-day Nov 6, 2026

Popular Pairs Near These Two

VTI vs ITOT

YTD

VanguardVTI

+8.9%

ITOTiShares

+8.8%

+8.9%Year to date+8.8%

1.1%Yield1.0%

$689BAssets$92.8B

2–0VTI wins

End-of-day Nov 6, 2026

SCHD vs VIG

YTD

SchwabSCHD

+31.4%

VIGVanguard

+12.1%

+31.4%Year to date+12.1%

3.0%Yield1.5%

$120BAssets$109B

2–0SCHD wins

End-of-day Nov 6, 2026

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+3.2%

JEPIJ.P. Morgan

+5.3%

+3.2%Year to date+5.3%

12.8%Yield8.1%

$42.6BAssets$46.8B

1–1level

End-of-day Nov 6, 2026