Compare · 3 funds side by side · dividends reinvested

HAPI, SCHB and VO

Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$16,705SCHB · best of the three

02 / 04

HAPI, SCHB and VO, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

Vanguard Morningstar Mid-Cap ETFUS Stock Styles · Mid cap0.03%1.35%+13.6%+15.6%+18.8%+6.8%−8.2%13.1%$103B1.6

Schwab U.S. Broad Market ETFUS Stock Styles · Large cap0.03%1.06%+11.5%+13.7%+21.8%+10.8%−8.9%14.0%$44.2B2.0

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%$483M2.1

Rank among the three1st → 3rdFee, 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 · SCHB 2009 · VO 2004

Head to Head

Swap sides Versus in desk

Head to Head

Harbor Human Capital Factor US Large Cap ETF (HAPI) · $483M$18,105

HAPI

SCHB

Schwab U.S. Broad Market ETF · $44.2B$18,080

$10,000 three years ago, dividends reinvested · they hold 46.8% in common

HAPIMeasureSCHB

+10.6%Year to dateJan 1 → Nov 9+11.5%

+13.6%1 yearTotal return+13.7%

+21.9%3 years · per year$10,000 became $18,105 · $18,080+21.8%

[…]5 years · per year$10,000 became […] · $16,705+10.8%

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

0.78%Trailing 12-mo yield$78 · $106 a year on $10k1.06%

−8.1%Worst dropSmaller is better−8.9%

12.9%VolatilityLower is calmer14.0%

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

3–4SCHB wins

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

More Ways to See the Pairs

HAPI vs SCHB: Top 5 Holdings

Today

HAPI

27.5%in top 5

SCHB

in top 524.8%

HAPIStockSCHB

6.2%AAPL7.0%

4.7%NVDA6.3%

6.1%MSFT5.5%

6.0%AMZN3.6%

4.4%METAnot top 5

not top 5GOOGL2.3%

Held in common46.8%

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

HAPI vs SCHB Returns, Every Period

HarborHAPI

+13.6%

past year

SCHBSchwab

+13.7%

past year

HAPISCHBFaded: behind in that period

1–2SCHB wins

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

HAPI vs VO

YTD

HarborHAPI

+10.6%

VOVanguard

+13.6%

+10.6%Year to date+13.6%

−8.1%Worst drop · 1Y−8.2%

12.9%Volatility · 1Y13.1%

0.8%Yield1.4%

$483MAssets$103B

2–2level

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

Cost, Income and Risk

Fees: HAPI, SCHB, VO

Today

0.03%lowest, SCHB

FundExpense ratioFee$10k

SCHB0.03%$3

VO0.03%$3

HAPI0.35%$35

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

Yields: HAPI, SCHB, VO

1.35%highest, VO

FundTrailing yieldYield$10k

VO1.35%$135

SCHB1.06%$106

HAPI0.78%$78

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

Income After Fees on $10,000

$132most kept, VO

VO$135 − $3 = $132

SCHB$106 − $3 = $103

HAPI$78 − $35 = $43

KeptFee

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

Overlap: HAPI, SCHB, VO

Today

46.8%most shared, HAPI and SCHB

HAPISCHBVO

HAPI—46.8%13.5%

SCHB46.8%—15.3%

VO13.5%15.3%—

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

Return vs Bumpiness: 3 ETFs

+15.6%VO, at 13.1% volatility

HAPIWorst drop−8.1%12.9% vol

VOWorst drop−8.2%13.1% vol

SCHBWorst drop−8.9%14.0% vol

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

Paid More vs Made More

YTD

VOSCHB

+13.6%Year to date+11.5%

1.4%Yield1.1%

+15.6%Past year+13.7%

0.03%Fee0.03%

3–0VO wins

End-of-day Nov 9, 2026

Popular Pairs Near These Three

VTI vs ITOT

YTD

VanguardVTI

+11.6%

ITOTiShares

+11.5%

+11.6%Year to date+11.5%

1.1%Yield1.0%

$689BAssets$95.6B

2–0VTI wins

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%

$122BAssets$109B

2–0SCHD wins

End-of-day Nov 9, 2026

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+6.6%

JEPIJ.P. Morgan

+7.5%

+6.6%Year to date+7.5%

12.4%Yield7.9%

$40.7BAssets$45.2B

1–1level

End-of-day Nov 9, 2026