Compare · 3 funds side by side · dividends reinvested

HAPI, SCHD and VO

Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$16,459SCHD · best of the three

02 / 04

HAPI, SCHD and VO, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

Schwab U.S. Dividend Equity ETFIncome · Dividend stocks0.06%2.96%+33.2%+39.1%+19.6%+10.5%−6.9%11.8%$120B1.3

Vanguard Morningstar Mid-Cap ETFUS Stock Styles · Mid cap0.03%1.35%+13.6%+15.6%+18.8%+6.8%−8.2%13.1%$103B2.3

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%$483M2.4

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 · SCHD 2011 · 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

SCHD

Schwab U.S. Dividend Equity ETF · $120B$17,123

$10,000 three years ago, dividends reinvested · they hold 9.6% in common

HAPIMeasureSCHD

+10.6%Year to dateJan 1 → Nov 9+33.2%

+13.6%1 yearTotal return+39.1%

+21.9%3 years · per year$10,000 became $18,105 · $17,123+19.6%

[…]5 years · per year$10,000 became […] · $16,459+10.5%

0.35%Expense ratio$35 · $6 a year on $10k · lower is better0.06%

0.78%Trailing 12-mo yield$78 · $296 a year on $10k2.96%

−8.1%Worst dropSmaller is better−6.9%

12.9%VolatilityLower is calmer11.8%

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

1–6SCHD 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 SCHD: Top 5 Holdings

Today

HAPI

27.5%in top 5

SCHD

in top 521.4%

HAPIStockSCHD

6.2%AAPLnot top 5

6.1%MSFTnot top 5

6.0%AMZNnot top 5

4.7%NVDAnot top 5

not top 5PG4.4%

4.4%METAnot top 5

not top 5TXN4.3%

not top 5KO4.3%

not top 5HD4.3%

not top 5AMGN4.1%

Held in common9.6%

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

HAPI vs SCHD Returns, Every Period

HarborHAPI

+13.6%

past year

SCHDSchwab

+39.1%

past year

HAPISCHDFaded: behind in that period

1–2SCHD wins

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

Stocks vs Income: HAPI vs SCHD

YTD

HarborHAPI

+10.6%

SCHDSchwab

+33.2%

+10.6%Year to date+33.2%

−8.1%Worst drop · 1Y−6.9%

12.9%Volatility · 1Y11.8%

0.8%Yield3.0%

$483MAssets$120B

4–0SCHD wins

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

Cost, Income and Risk

Fees: HAPI, SCHD, VO

Today

0.03%lowest, VO

FundExpense ratioFee$10k

VO0.03%$3

SCHD0.06%$6

HAPI0.35%$35

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

Yields: HAPI, SCHD, VO

2.96%highest, SCHD

FundTrailing yieldYield$10k

SCHD2.96%$296

VO1.35%$135

HAPI0.78%$78

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

Income After Fees on $10,000

$290most kept, SCHD

SCHD$296 − $6 = $290

VO$135 − $3 = $132

HAPI$78 − $35 = $43

KeptFee

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

Overlap: HAPI, SCHD, VO

Today

13.5%most shared, HAPI and VO

HAPISCHDVO

HAPI—9.6%13.5%

SCHD9.6%—6.9%

VO13.5%6.9%—

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

Return vs Bumpiness: 3 ETFs

+39.1%SCHD, at 11.8% volatility

SCHDWorst drop−6.9%11.8% vol

HAPIWorst drop−8.1%12.9% vol

VOWorst drop−8.2%13.1% vol

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

Paid More vs Made More

YTD

SCHDVO

+33.2%Year to date+13.6%

3.0%Yield1.4%

+39.1%Past year+15.6%

0.06%Fee0.03%

3–1SCHD wins

End-of-day Nov 9, 2026

Popular Pairs Near These Three

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

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

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