Compare · 3 funds side by side · dividends reinvested

HAPI, DFAC and VOO

Story of the three · Growth1Y$10,000 one year agoDividends reinvested · all three on one scale$11,771DFAC · best of the three

02 / 04

HAPI, DFAC and VOO, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

Dimensional - US Core Equity 2 ETFUS Stock Styles · Large cap0.21%0.88%+14.1%+17.7%+21.2%+11.0%−8.5%13.1%$85.6B1.9

Vanguard S&P 500 ETFLow-Cost Core · S&P 5000.03%1.07%+11.3%+13.6%+22.0%+11.9%−8.9%13.7%$1.00T1.9

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 · DFAC 2005 · VOO 2010

Head to Head

Swap sides Versus in desk

Head to Head

Harbor Human Capital Factor US Large Cap ETF (HAPI) · $483M[…]

HAPI

DFAC

Dimensional - US Core Equity 2 ETF · $85.6B$16,820

$10,000 five years ago, dividends reinvested · they hold 41.9% in common

HAPIMeasureDFAC

+10.6%Year to dateJan 1 → Nov 9+14.1%

+13.6%1 yearTotal return+17.7%

+21.9%3 years · per year$10,000 became $18,105 · $17,787+21.2%

[…]5 years · per year$10,000 became […] · $16,820+11.0%

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

0.78%Trailing 12-mo yield$78 · $88 a year on $10k0.88%

−8.1%Worst dropSmaller is better−8.5%

12.9%VolatilityLower is calmer13.1%

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

3–4DFAC 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 DFAC: Top 5 Holdings

Today

HAPI

27.5%in top 5

DFAC

in top 520.4%

HAPIStockDFAC

6.2%AAPL5.9%

6.1%MSFT5.0%

6.0%AMZN2.7%

4.7%NVDA4.9%

4.4%META1.9%

Held in common41.9%

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

HAPI vs DFAC Returns, Every Period

HarborHAPI

+13.6%

past year

DFACDimensional

+17.7%

past year

HAPIDFACFaded: behind in that period

1–2DFAC wins

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

Stocks vs Core: HAPI vs VOO

YTD

HarborHAPI

+10.6%

VOOVanguard

+11.3%

+10.6%Year to date+11.3%

−8.1%Worst drop · 1Y−8.9%

12.9%Volatility · 1Y13.7%

0.8%Yield1.1%

$483MAssets$1.00T

2–2level

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

Cost, Income and Risk

Fees: HAPI, DFAC, VOO

Today

0.03%lowest, VOO

FundExpense ratioFee$10k

VOO0.03%$3

DFAC0.21%$21

HAPI0.35%$35

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

Yields: HAPI, DFAC, VOO

1.07%highest, VOO

FundTrailing yieldYield$10k

VOO1.07%$107

DFAC0.88%$88

HAPI0.78%$78

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

Income After Fees on $10,000

$104most kept, VOO

VOO$107 − $3 = $104

DFAC$88 − $21 = $67

HAPI$78 − $35 = $43

KeptFee

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

Overlap: HAPI, DFAC, VOO

Today

67.4%most shared, DFAC and VOO

HAPIDFACVOO

HAPI—41.9%49.8%

DFAC41.9%—67.4%

VOO49.8%67.4%—

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

Return vs Bumpiness: 3 ETFs

+17.7%DFAC, at 13.1% volatility

HAPIWorst drop−8.1%12.9% vol

DFACWorst drop−8.5%13.1% vol

VOOWorst drop−8.9%13.7% vol

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

Paid More vs Made More

YTD

VOODFAC

+11.3%Year to date+14.1%

1.1%Yield0.9%

+13.6%Past year+17.7%

0.03%Fee0.21%

2–2level

End-of-day Nov 9, 2026

Popular Pairs Near These Three

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

VOO vs IVV

YTD

VanguardVOO

+11.3%

IVViShares

+11.3%

+11.3%Year to date+11.3%

1.1%Yield1.1%

$1.00TAssets$853B

0–0level

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%

$120BAssets$109B

2–0SCHD wins

End-of-day Nov 9, 2026