Compare · 4 funds side by side · dividends reinvested

HAPI, DFAC, VOO and SPY

HAPIHarbor×DFACDimensional×VOOVanguard×SPYSPDR×

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Story of the four · Growth5Y$10,000 five years agoDividends reinvested · all four on one scale$17,416VOO · best of the four

Story of the four · IncomeMost incomeVOO · 1.08% · $108 a year on $10k

Story of the four · RiskSmallest drop

HAPI, DFAC, VOO and SPY, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

Vanguard S&P 500 ETFLow-Cost Core · S&P 5000.03%1.08%+10.9%+13.1%+21.5%+11.7%−8.9%13.7%$1.00T2.0

Dimensional - US Core Equity 2 ETFUS Stock Styles · Large cap0.21%0.88%+13.7%+16.9%+20.5%+10.8%−8.5%13.0%$87.4B2.4

Harbor Human Capital Factor US Large Cap ETF (HAPI)US Stock Styles · Large cap0.35%0.79%+10.1%+13.1%+21.3%[…]−8.1%12.9%$494M2.7

State Street SPDR S&P 500 ETFLow-Cost Core · S&P 5000.09%1.01%+10.8%+13.0%+21.4%+11.7%−8.9%13.8%$792B2.8

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

End-of-day Nov 10, 2026 · returns include dividends · since: HAPI 2022 · DFAC 2005 · VOO 2010 · SPY 1993

Head to Head

Swap sides Versus in desk

Head to Head

YTD

Harbor Human Capital Factor US Large Cap ETF (HAPI) · $494M$11,014

More Ways to See the Pairs

HAPI vs DFAC: Top 5 Holdings

Today

HAPI

27.3%in top 5

DFAC

in top 520.2%

HAPIStockDFAC

6.2%AAPL5.9%

6.1%MSFT5.0%

6.1%AMZN2.7%

4.4%NVDA4.6%

4.5%

Cost, Income and Risk

Fees: HAPI, DFAC, VOO, SPY

Today

0.03%lowest, VOO

FundExpense ratioFee$10k

VOO0.03%$3

SPY0.09%$9

DFAC0.21%$21

HAPI0.35%$35

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

Popular Pairs Near These Four

SPYM vs SPY

YTD

SPDRSPYM

+10.9%

SPYSPDR

+10.8%

+10.9%Year to date+10.8%

1.0%Yield1.0%

$183BAssets$792B

1–0SPYM wins

End-of-day Nov 10, 2026

VOO vs IVV

YTD

VanguardVOO

+10.9%

IVViShares

+10.9%

SCHD vs VIG

YTD

SchwabSCHD

+33.8%

VIGVanguard

+15.1%

HAPI

DFAC

Dimensional - US Core Equity 2 ETF · $87.4B$11,374

$10,000 since Jan 1, dividends reinvested · they hold 41.7% in common

HAPIMeasureDFAC

+10.1%Year to dateJan 1 → Nov 10+13.7%

+13.1%1 yearTotal return+16.9%

+21.3%3 years · per year$10,000 became $17,837 · $17,492+20.5%

[…]5 years · per year$10,000 became […] · $16,689+10.8%

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

0.79%Trailing 12-mo yield$79 · $88 a year on $10k0.88%

−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 10, 2026 · returns include dividends · 3Y and 5Y figures are per-year returns

HAPI vs DFAC Returns, Every Period

1Y

HarborHAPI

+13.1%

past year

DFACDimensional

+16.9%

past year

HAPIDFACFaded: behind in that period

1–2DFAC wins

End-of-day Nov 10, 2026 · dividends in · faded = behind in that period

Stocks vs Core: HAPI vs VOO

YTD

HarborHAPI

+10.1%

VOOVanguard

+10.9%

+10.1%Year to date+10.9%

−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 10, 2026 · smaller drop and lower volatility win

Yields: HAPI, DFAC, VOO, SPY

1Y

1.08%highest, VOO

FundTrailing yieldYield$10k

VOO1.08%$108

SPY1.01%$101

DFAC0.88%$88

HAPI0.79%$79

End-of-day Nov 10, 2026 · trailing 12-month yield

Income After Fees on $10,000

1Y

$105most kept, VOO

VOO$108 − $3 = $105

SPY$101 − $9 = $92

DFAC$88 − $21 = $67

HAPI$79 − $35 = $44

KeptFee

End-of-day Nov 10, 2026 · yield in dollars minus the fee

Overlap: HAPI, DFAC, VOO, SPY

Today

93.0%most shared, VOO and SPY

HAPIDFACVOOSPY

HAPI—41.7%49.5%50.6%

DFAC41.7%—67.3%68.8%

VOO49.5%67.3%—93.0%

SPY50.6%68.8%93.0%—

End-of-day Nov 10, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 4 ETFs

1Y

+16.9%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

SPYWorst drop−8.9%13.8% vol

End-of-day Nov 10, 2026 · up and left is better

Paid More vs Made More

YTD

VOODFAC

+10.9%Year to date+13.7%

1.1%Yield0.9%

+13.1%Past year+16.9%

0.03%Fee0.21%

2–2level

End-of-day Nov 10, 2026

Year to date

+10.9%

1.1%Yield1.1%

$1.00TAssets$872B

0–0level

End-of-day Nov 10, 2026

+33.8%Year to date+15.1%

2.9%Yield1.5%

$123BAssets$109B

2–0SCHD wins

End-of-day Nov 10, 2026

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HAPI, DFAC, VOO and SPY

Head to Head

More Ways to See the Pairs

Cost, Income and Risk

Popular Pairs Near These Four