Compare · 4 funds side by side · dividends reinvested

HAPI, DFAC, SPY and VUG

HAPIHarbor×DFACDimensional×SPYSPDR×VUGVanguard×

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Story of the four · Growth3Y$10,000 three years agoDividends reinvested · all four on one scale$18,215VUG · best of the four

Story of the four · IncomeMost incomeSPY · 1.00% · $100 a year on $10k

Story of the four · RiskSmallest drop

HAPI, DFAC, SPY and VUG, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

State Street SPDR S&P 500 ETFLow-Cost Core · S&P 5000.09%1.00%+11.9%+12.0%+21.6%+11.6%−8.9%13.7%$793B2.0

Dimensional - US Core Equity 2 ETFUS Stock Styles · Large cap0.21%0.88%+14.1%+15.4%+20.7%+10.6%−8.5%13.1%$88.3B2.1

Harbor Human Capital Factor US Large Cap ETF (HAPI)US Stock Styles · Large cap0.35%0.78%+10.6%+11.5%+21.2%[…]−8.1%12.9%$497M2.6

Vanguard Morningstar Growth ETFUS Stock Styles · Growth0.03%0.41%+4.9%+3.5%+22.1%+10.3%−15.1%19.1%$233B3.1

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

End-of-day Nov 12, 2026 · returns include dividends · since: HAPI 2022 · DFAC 2005 · SPY 1993 · VUG 2004

Head to Head

Swap sides Versus in desk

Head to Head

5Y

Harbor Human Capital Factor US Large Cap ETF (HAPI) · $497M[…]

More Ways to See the Pairs

HAPI vs VUG: Top 5 Holdings

Today

HAPI

26.8%in top 5

VUG

in top 545.2%

HAPIStockVUG

not top 5NVDA13.5%

6.2%AAPL12.5%

5.8%MSFT9.7%

6.0%AMZNnot top 5

4.3%GOOGL

Cost, Income and Risk

Fees: HAPI, DFAC, SPY, VUG

Today

0.03%lowest, VUG

FundExpense ratioFee$10k

VUG0.03%$3

SPY0.09%$9

DFAC0.21%$21

HAPI0.35%$35

End-of-day Nov 12, 2026 · fee on $10,000 a year

Popular Pairs Near These Four

SPYM vs SPY

YTD

SPDRSPYM

+12.0%

SPYSPDR

+11.9%

+12.0%Year to date+11.9%

1.0%Yield1.0%

$183BAssets$793B

1–0SPYM wins

End-of-day Nov 12, 2026

VUG vs SCHG

YTD

VanguardVUG

+4.9%

SCHGSchwab

+5.6%

SCHD vs VIG

YTD

SchwabSCHD

+34.2%

VIGVanguard

+16.0%

HAPI

VUG

Vanguard Morningstar Growth ETF · $233B$16,326

$10,000 five years ago, dividends reinvested · they hold 43.3% in common

HAPIMeasureVUG

+10.6%Year to dateJan 1 → Nov 12+4.9%

+11.5%1 yearTotal return+3.5%

+21.2%3 years · per year$10,000 became $17,822 · $18,215+22.1%

[…]5 years · per year$10,000 became […] · $16,326+10.3%

0.35%Expense ratio$35 · $3 a year on $10k · lower is better0.03%

0.78%Trailing 12-mo yield$78 · $41 a year on $10k0.41%

−8.1%Worst dropSmaller is better−15.1%

12.9%VolatilityLower is calmer19.1%

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

5–2HAPI wins

End-of-day Nov 12, 2026 · returns include dividends · 3Y and 5Y figures are per-year returns

5.2%

4.4%METAnot top 5

not top 5AVGO4.3%

Held in common43.3%

End-of-day Nov 12, 2026 · share of each fund

HAPI vs VUG Returns, Every Period

1Y

HarborHAPI

+11.5%

past year

VUGVanguard

+3.5%

past year

HAPIVUGFaded: behind in that period

2–1HAPI wins

End-of-day Nov 12, 2026 · dividends in · faded = behind in that period

Stocks vs Core: HAPI vs SPY

YTD

HarborHAPI

+10.6%

SPYSPDR

+11.9%

+10.6%Year to date+11.9%

−8.1%Worst drop · 1Y−8.9%

12.9%Volatility · 1Y13.7%

0.8%Yield1.0%

$497MAssets$793B

2–2level

End-of-day Nov 12, 2026 · smaller drop and lower volatility win

Yields: HAPI, DFAC, SPY, VUG

1Y

1.00%highest, SPY

FundTrailing yieldYield$10k

SPY1.00%$100

DFAC0.88%$88

HAPI0.78%$78

VUG0.41%$41

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

Income After Fees on $10,000

1Y

$91most kept, SPY

SPY$100 − $9 = $91

DFAC$88 − $21 = $67

HAPI$78 − $35 = $43

VUG$41 − $3 = $38

KeptFee

End-of-day Nov 12, 2026 · yield in dollars minus the fee

Overlap: HAPI, DFAC, SPY, VUG

Today

68.8%most shared, DFAC and SPY

HAPIDFACSPYVUG

HAPI—41.4%50.1%43.3%

DFAC41.4%—68.8%35.8%

SPY50.1%68.8%—55.2%

VUG43.3%35.8%55.2%—

End-of-day Nov 12, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 4 ETFs

1Y

+15.4%DFAC, at 13.1% volatility

HAPIWorst drop−8.1%12.9% vol

DFACWorst drop−8.5%13.1% vol

SPYWorst drop−8.9%13.7% vol

VUGWorst drop−15.1%19.1% vol

End-of-day Nov 12, 2026 · up and left is better

Paid More vs Made More

YTD

SPYDFAC

+11.9%Year to date+14.1%

1.0%Yield0.9%

+12.0%Past year+15.4%

0.09%Fee0.21%

2–2level

End-of-day Nov 12, 2026

+4.9%Year to date+5.6%

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

$233BAssets$61.0B

1–1level

End-of-day Nov 12, 2026

+34.2%Year to date+16.0%

2.9%Yield1.4%

$123BAssets$109B

2–0SCHD wins

End-of-day Nov 12, 2026

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HAPI, DFAC, SPY and VUG

Head to Head

More Ways to See the Pairs

Cost, Income and Risk

Popular Pairs Near These Four