Compare · 2 funds side by side · dividends reinvested

HAPI and SPY

HAPIHarbor×SPYSPDR×

Versus in desk

Story of the two · Growth5Y$10,000 five years agoDividends reinvested · both on one scale$17,118SPY · best of the two

02 / 04

HAPI and SPY, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

State Street SPDR S&P 500 ETFLow-Cost Core · S&P 5000.09%1.03%+8.7%+9.7%+21.7%+11.3%−8.9%13.6%$819B1.4

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%$503M1.6

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 · SPY 1993

Head to Head

Swap sides Versus in desk

Head to Head

Harbor Human Capital Factor US Large Cap ETF (HAPI) · $503M$18,006

HAPI

SPY

State Street SPDR S&P 500 ETF · $819B$18,039

$10,000 three years ago, dividends reinvested · they hold 50.8% in common

HAPIMeasureSPY

+8.0%Year to dateJan 1 → Nov 6+8.7%

+9.9%1 yearTotal return+9.7%

+21.7%3 years · per year$10,000 became $18,006 · $18,039+21.7%

[…]5 years · per year$10,000 became […] · $17,118+11.3%

0.35%Expense ratio$35 · $9 a year on $10k · lower is better0.09%

0.80%Trailing 12-mo yield$80 · $103 a year on $10k1.03%

−8.1%Worst dropSmaller is better−8.9%

12.7%VolatilityLower is calmer13.6%

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

3–3Level

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 SPY: Top 5 Holdings

Today

HAPI

27.4%in top 5

SPY

in top 527.8%

HAPIStockSPY

6.2%AAPL7.9%

4.6%NVDA6.9%

6.2%MSFT6.3%

6.0%AMZN4.0%

4.4%METAnot top 5

not top 5GOOGL2.6%

Held in common50.8%

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

HAPI vs SPY Returns, Every Period

HarborHAPI

+9.9%

past year

SPYSPDR

+9.7%

past year

HAPISPYFaded: behind in that period

1–1Level

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

Stocks vs Core: HAPI vs SPY

YTD

HarborHAPI

+8.0%

SPYSPDR

+8.7%

+8.0%Year to date+8.7%

−8.1%Worst drop · 1Y−8.9%

12.7%Volatility · 1Y13.6%

0.8%Yield1.0%

$503MAssets$819B

2–2level

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

Cost, Income and Risk

Fees: HAPI, SPY

Today

0.09%lowest, SPY

FundExpense ratioFee$10k

SPY0.09%$9

HAPI0.35%$35

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

Yields: HAPI, SPY

1.03%highest, SPY

FundTrailing yieldYield$10k

SPY1.03%$103

HAPI0.80%$80

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

Income After Fees on $10,000

$94most kept, SPY

SPY$103 − $9 = $94

HAPI$80 − $35 = $45

KeptFee

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

Overlap: HAPI, SPY

Today

50.8%most shared, HAPI and SPY

HAPISPY

HAPI—50.8%

SPY50.8%—

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

SPYWorst drop−8.9%13.6% vol

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

Paid More vs Made More

YTD

SPYHAPI

+8.7%Year to date+8.0%

1.0%Yield0.8%

+9.7%Past year+9.9%

0.09%Fee0.35%

3–1SPY wins

End-of-day Nov 6, 2026

Popular Pairs Near These Two

SPYM vs SPY

YTD

SPDRSPYM

+8.8%

SPYSPDR

+8.7%

+8.8%Year to date+8.7%

1.1%Yield1.0%

$182BAssets$819B

2–0SPYM 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