Compare · 3 funds side by side · dividends reinvested

HAPI, SPY and IWF

Story of the three · Growth1Y$10,000 one year agoDividends reinvested · all three on one scale$11,365HAPI · best of the three

02 / 04

HAPI, SPY and IWF, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

State Street SPDR S&P 500 ETFLow-Cost Core · S&P 5000.09%1.01%+11.2%+13.5%+21.9%+11.8%−8.9%13.7%$778B1.4

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%$483M1.7

iShares Russell 1000 Growth ETFUS Stock Styles · Growth0.18%0.38%−2.5%−2.2%+19.8%+9.7%−14.6%19.5%$118B2.8

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 · SPY 1993 · IWF 2000

Head to Head

Swap sides Versus in desk

Head to Head

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

HAPI

SPY

State Street SPDR S&P 500 ETF · $778B$17,493

$10,000 five years ago, dividends reinvested · they hold 50.7% in common

HAPIMeasureSPY

+10.6%Year to dateJan 1 → Nov 9+11.2%

+13.6%1 yearTotal return+13.5%

+21.9%3 years · per year$10,000 became $18,105 · $18,118+21.9%

[…]5 years · per year$10,000 became […] · $17,493+11.8%

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

0.78%Trailing 12-mo yield$78 · $101 a year on $10k1.01%

−8.1%Worst dropSmaller is better−8.9%

12.9%VolatilityLower is calmer13.7%

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

3–3Level

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 SPY: Top 5 Holdings

Today

HAPI

27.5%in top 5

SPY

in top 527.8%

HAPIStockSPY

6.2%AAPL7.9%

4.7%NVDA7.1%

6.1%MSFT6.2%

6.0%AMZN4.0%

4.4%METAnot top 5

not top 5GOOGL2.6%

Held in common50.7%

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

HAPI vs SPY Returns, Every Period

HarborHAPI

+13.6%

past year

SPYSPDR

+13.5%

past year

HAPISPYFaded: behind in that period

1–1Level

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

Stocks vs Core: HAPI vs SPY

YTD

HarborHAPI

+10.6%

SPYSPDR

+11.2%

+10.6%Year to date+11.2%

−8.1%Worst drop · 1Y−8.9%

12.9%Volatility · 1Y13.7%

0.8%Yield1.0%

$483MAssets$778B

2–2level

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

Cost, Income and Risk

Fees: HAPI, SPY, IWF

Today

0.09%lowest, SPY

FundExpense ratioFee$10k

SPY0.09%$9

IWF0.18%$18

HAPI0.35%$35

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

Yields: HAPI, SPY, IWF

1.01%highest, SPY

FundTrailing yieldYield$10k

SPY1.01%$101

HAPI0.78%$78

IWF0.38%$38

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

Income After Fees on $10,000

$92most kept, SPY

SPY$101 − $9 = $92

HAPI$78 − $35 = $43

IWF$38 − $18 = $20

KeptFee

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

Overlap: HAPI, SPY, IWF

Today

55.9%most shared, SPY and IWF

HAPISPYIWF

HAPI—50.7%44.0%

SPY50.7%—55.9%

IWF44.0%55.9%—

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

Return vs Bumpiness: 3 ETFs

+13.6%HAPI, at 12.9% volatility

HAPIWorst drop−8.1%12.9% vol

SPYWorst drop−8.9%13.7% vol

IWFWorst drop−14.6%19.5% vol

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

Paid More vs Made More

YTD

SPYHAPI

+11.2%Year to date+10.6%

1.0%Yield0.8%

+13.5%Past year+13.6%

0.09%Fee0.35%

3–1SPY wins

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

VUG vs SCHG

YTD

VanguardVUG

+4.2%

SCHGSchwab

+4.8%

+4.2%Year to date+4.8%

0.03% · $3Fee · on $10k a year0.04% · $4

$233BAssets$61.4B

1–1level

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