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$19,132SPY · 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%0.87%+15.8%+17.7%+23.2%+11.7%−8.5%12.3%$89.2B1.9

State Street SPDR S&P 500 ETFLow-Cost Core · S&P 5000.09%0.99%+13.3%+13.4%+24.1%+12.6%−8.9%12.9%$805B1.9

Harbor Human Capital Factor US Large Cap ETF (HAPI)US Stock Styles · Large cap0.35%0.77%+12.3%+13.6%+23.9%[…]−8.1%12.2%$503M2.1

Rank among the three1st → 3rdFee, drop and volatility: lower ranks higherAvg rank: mean of the 8 ranks · 1 is best

End-of-day Nov 4, 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) · $503M[…]

HAPI

DFAC

Dimensional - US Core Equity 2 ETF · $89.2B$17,417

$10,000 five years ago, dividends reinvested · they hold 41.5% in common

HAPIMeasureDFAC

+12.3%Year to dateJan 1 → Nov 4+15.8%

+13.6%1 yearTotal return+17.7%

+23.9%3 years · per year$10,000 became $19,002 · $18,682+23.2%

[…]5 years · per year$10,000 became […] · $17,417+11.7%

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

0.77%Trailing 12-mo yield$77 · $87 a year on $10k0.87%

−8.1%Worst dropSmaller is better−8.5%

12.2%VolatilityLower is calmer12.3%

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

3–4DFAC wins

End-of-day Nov 4, 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

27.0%in top 5

DFAC

in top 520.1%

HAPIStockDFAC

5.9%MSFT4.8%

5.9%AAPL5.6%

5.7%AMZN2.6%

5.1%NVDA5.3%

4.4%META1.9%

Held in common41.5%

End-of-day Nov 4, 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 4, 2026 · dividends in · faded = behind in that period

Stocks vs Core: HAPI vs SPY

YTD

HarborHAPI

+12.3%

SPYSPDR

+13.3%

+12.3%Year to date+13.3%

−8.1%Worst drop · 1Y−8.9%

12.2%Volatility · 1Y12.9%

0.8%Yield1.0%

$503MAssets$805B

2–2level

End-of-day Nov 4, 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 4, 2026 · fee on $10,000 a year

Yields: HAPI, DFAC, SPY

0.99%highest, SPY

FundTrailing yieldYield$10k

SPY0.99%$99

DFAC0.87%$87

HAPI0.77%$77

End-of-day Nov 4, 2026 · trailing 12-month yield

Income After Fees on $10,000

$90most kept, SPY

SPY$99 − $9 = $90

DFAC$87 − $21 = $66

HAPI$77 − $35 = $42

KeptFee

End-of-day Nov 4, 2026 · yield in dollars minus the fee

Overlap: HAPI, DFAC, SPY

Today

68.9%most shared, DFAC and SPY

HAPIDFACSPY

HAPI—41.5%50.2%

DFAC41.5%—68.9%

SPY50.2%68.9%—

End-of-day Nov 4, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 3 ETFs

+17.7%DFAC, at 12.3% volatility

HAPIWorst drop−8.1%12.2% vol

DFACWorst drop−8.5%12.3% vol

SPYWorst drop−8.9%12.9% vol

End-of-day Nov 4, 2026 · up and left is better

Paid More vs Made More

YTD

SPYDFAC

+13.3%Year to date+15.8%

1.0%Yield0.9%

+13.4%Past year+17.7%

0.09%Fee0.21%

2–2level

End-of-day Nov 4, 2026

Popular Pairs Near These Three

SPYM vs SPY

YTD

SPDRSPYM

+13.4%

SPYSPDR

+13.3%

+13.4%Year to date+13.3%

1.0%Yield1.0%

$182BAssets$805B

1–0SPYM wins

End-of-day Nov 4, 2026

SCHD vs VIG

YTD

SchwabSCHD

+35.3%

VIGVanguard

+16.4%

+35.3%Year to date+16.4%

2.9%Yield1.4%

$123BAssets$109B

2–0SCHD wins

End-of-day Nov 4, 2026

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+8.5%

JEPIJ.P. Morgan

+8.8%

+8.5%Year to date+8.8%

12.2%Yield7.8%

$42.1BAssets$46.1B

1–1level

End-of-day Nov 4, 2026