Compare · 4 funds side by side · dividends reinvested

HAPI, DFAC, VTI and VOO

HAPIHarbor×DFACDimensional×VTIVanguard×VOOVanguard×

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Story of the four · Growth5Y$10,000 five years agoDividends reinvested · all four on one scale$17,533VOO · best of the four

Story of the four · IncomeMost incomeVOO · 1.06% · $106 a year on $10k

Story of the four · RiskSmallest drop

HAPI, DFAC, VTI and VOO, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

Vanguard S&P 500 ETFLow-Cost Core · S&P 5000.03%1.06%+12.3%+12.8%+21.9%+11.9%−8.9%13.7%$1.00T2.0

Dimensional - US Core Equity 2 ETFUS Stock Styles · Large cap0.21%0.87%+14.9%+16.5%+21.0%+10.9%−8.5%13.0%$87.4B2.3

Vanguard Morningstar Total Stock Market ETFLow-Cost Core · Total US market0.03%1.05%+12.6%+13.0%+21.7%+10.8%−8.9%13.9%$689B2.5

Harbor Human Capital Factor US Large Cap ETF (HAPI)US Stock Styles · Large cap0.35%0.78%+11.1%+12.3%+21.6%[…]−8.1%12.9%$494M3.0

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

End-of-day Nov 11, 2026 · returns include dividends · since: HAPI 2022 · DFAC 2005 · VTI 2001 · VOO 2010

Head to Head

Swap sides Versus in desk

Head to Head

3Y

Harbor Human Capital Factor US Large Cap ETF (HAPI) · $494M$17,959

More Ways to See the Pairs

HAPI vs DFAC: Top 5 Holdings

Today

HAPI

27.2%in top 5

DFAC

in top 519.9%

HAPIStockDFAC

6.2%AMZN2.8%

6.2%AAPL5.9%

6.0%MSFT4.9%

4.6%META2.0%

not top 5NVDA

Cost, Income and Risk

Fees: HAPI, DFAC, VTI, VOO

Today

0.03%lowest, VTI

FundExpense ratioFee$10k

VTI0.03%$3

VOO0.03%$3

DFAC0.21%$21

HAPI0.35%$35

End-of-day Nov 11, 2026 · fee on $10,000 a year

Popular Pairs Near These Four

SPYM vs SPY

YTD

SPDRSPYM

+12.4%

SPYSPDR

+12.3%

+12.4%Year to date+12.3%

1.0%Yield1.0%

$183BAssets$792B

1–0SPYM wins

End-of-day Nov 11, 2026

VTI vs ITOT

YTD

VanguardVTI

+12.6%

ITOTiShares

+12.5%

VOO vs IVV

YTD

VanguardVOO

+12.3%

IVViShares

+12.3%

HAPI

DFAC

Dimensional - US Core Equity 2 ETF · $87.4B$17,728

$10,000 three years ago, dividends reinvested · they hold 41.5% in common

HAPIMeasureDFAC

+11.1%Year to dateJan 1 → Nov 11+14.9%

+12.3%1 yearTotal return+16.5%

+21.6%3 years · per year$10,000 became $17,959 · $17,728+21.0%

[…]5 years · per year$10,000 became […] · $16,748+10.9%

0.35%Expense ratio$35 · $21 a year on $10k · lower is better0.21%

0.78%Trailing 12-mo yield$78 · $87 a year on $10k0.87%

−8.1%Worst dropSmaller is better−8.5%

12.9%VolatilityLower is calmer13.0%

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

3–4DFAC wins

End-of-day Nov 11, 2026 · returns include dividends · 3Y and 5Y figures are per-year returns

4.4%

4.3%GOOGLnot top 5

Held in common41.5%

End-of-day Nov 11, 2026 · share of each fund

HAPI vs DFAC Returns, Every Period

1Y

HarborHAPI

+12.3%

past year

DFACDimensional

+16.5%

past year

HAPIDFACFaded: behind in that period

1–2DFAC wins

End-of-day Nov 11, 2026 · dividends in · faded = behind in that period

Stocks vs Core: HAPI vs VOO

YTD

HarborHAPI

+11.1%

VOOVanguard

+12.3%

+11.1%Year to date+12.3%

−8.1%Worst drop · 1Y−8.9%

12.9%Volatility · 1Y13.7%

0.8%Yield1.1%

$494MAssets$1.00T

2–2level

End-of-day Nov 11, 2026 · smaller drop and lower volatility win

Yields: HAPI, DFAC, VTI, VOO

1Y

1.06%highest, VOO

FundTrailing yieldYield$10k

VOO1.06%$106

VTI1.05%$106

DFAC0.87%$87

HAPI0.78%$78

End-of-day Nov 11, 2026 · trailing 12-month yield

Income After Fees on $10,000

1Y

$103most kept, VOO

VOO$106 − $3 = $103

VTI$106 − $3 = $103

DFAC$87 − $21 = $66

HAPI$78 − $35 = $43

KeptFee

End-of-day Nov 11, 2026 · yield in dollars minus the fee

Overlap: HAPI, DFAC, VTI, VOO

Today

89.0%most shared, VTI and VOO

HAPIDFACVTIVOO

HAPI—41.5%45.6%49.3%

DFAC41.5%—72.5%67.2%

VTI45.6%72.5%—89.0%

VOO49.3%67.2%89.0%—

End-of-day Nov 11, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 4 ETFs

1Y

+16.5%DFAC, at 13.0% volatility

HAPIWorst drop−8.1%12.9% vol

DFACWorst drop−8.5%13.0% vol

VOOWorst drop−8.9%13.7% vol

VTIWorst drop−8.9%13.9% vol

End-of-day Nov 11, 2026 · up and left is better

Paid More vs Made More

YTD

VOODFAC

+12.3%Year to date+14.9%

1.1%Yield0.9%

+12.8%Past year+16.5%

0.03%Fee0.21%

2–2level

End-of-day Nov 11, 2026

+12.6%Year to date+12.5%

1.1%Yield1.0%

$689BAssets$95.3B

2–0VTI wins

End-of-day Nov 11, 2026

Year to date

+12.3%

1.1%Yield1.1%

$1.00TAssets$872B

0–0level

End-of-day Nov 11, 2026

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HAPI, DFAC, VTI and VOO

Head to Head

More Ways to See the Pairs

Cost, Income and Risk

Popular Pairs Near These Four