Compare · 3 funds side by side · dividends reinvested

HAPI, DFAC and SPY

Story of the three · Growth3Y$10,000 three years agoDividends reinvested · all three on one scale$18,039SPY · best of the three

02 / 04

HAPI, DFAC and SPY, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

Dimensional - US Core Equity 2 ETFUS Stock Styles · Large cap0.21%0.90%+11.4%+13.8%+21.0%+10.6%−8.5%12.9%$85.6B1.9

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%$778B1.9

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%$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 6, 2026 · returns include dividends · since: HAPI 2022 · DFAC 2005 · SPY 1993

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$16,525

$10,000 five years ago, dividends reinvested · they hold 42.0% in common

HAPIMeasureDFAC

+8.0%Year to dateJan 1 → Nov 6+11.4%

+9.9%1 yearTotal return+13.8%

+21.7%3 years · per year$10,000 became $18,006 · $17,722+21.0%

[…]5 years · per year$10,000 became […] · $16,525+10.6%

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

0.80%Trailing 12-mo yield$80 · $90 a year on $10k0.90%

−8.1%Worst dropSmaller is better−8.5%

12.7%VolatilityLower is calmer12.9%

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

3–4DFAC wins

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 DFAC: Top 5 Holdings

Today

HAPI

27.4%in top 5

DFAC

in top 520.4%

HAPIStockDFAC

6.2%AAPL5.9%

6.2%MSFT5.0%

6.0%AMZN2.7%

4.6%NVDA4.8%

4.4%META1.9%

Held in common42.0%

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

HAPI vs DFAC Returns, Every Period

HarborHAPI

+9.9%

past year

DFACDimensional

+13.8%

past year

HAPIDFACFaded: behind in that period

1–2DFAC wins

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%

$483MAssets$778B

2–2level

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

Cost, Income and Risk

Fees: HAPI, DFAC, SPY

Today

0.09%lowest, SPY

FundExpense ratioFee$10k

SPY0.09%$9

DFAC0.21%$21

HAPI0.35%$35

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

Yields: HAPI, DFAC, SPY

1.03%highest, SPY

FundTrailing yieldYield$10k

SPY1.03%$103

DFAC0.90%$90

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

DFAC$90 − $21 = $69

HAPI$80 − $35 = $45

KeptFee

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

Overlap: HAPI, DFAC, SPY

Today

69.0%most shared, DFAC and SPY

HAPIDFACSPY

HAPI—42.0%50.8%

DFAC42.0%—69.0%

SPY50.8%69.0%—

End-of-day Nov 6, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 3 ETFs

+13.8%DFAC, at 12.9% volatility

HAPIWorst drop−8.1%12.7% vol

DFACWorst drop−8.5%12.9% 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

SPYDFAC

+8.7%Year to date+11.4%

1.0%Yield0.9%

+9.7%Past year+13.8%

0.09%Fee0.21%

2–2level

End-of-day Nov 6, 2026

Popular Pairs Near These Three

SPYM vs SPY

YTD

SPDRSPYM

+8.8%

SPYSPDR

+8.7%

+8.8%Year to date+8.7%

1.1%Yield1.0%

$178BAssets$778B

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%

$40.7BAssets$45.2B

1–1level

End-of-day Nov 6, 2026