Compare · 4 funds side by side · dividends reinvested

HAPI, DFAC, SPYM and VTI

HAPIHarbor×DFACDimensional×SPYMSPDR×VTIVanguard×

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Story of the four · Growth3Y$10,000 three years agoDividends reinvested · all four on one scale$18,134SPYM · best of the four

Story of the four · IncomeMost incomeVTI · 1.05% · $106 a year on $10k

Story of the four · RiskSmallest drop

HAPI, DFAC, SPYM and VTI, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

State Street SPDR Portfolio S&P 500 ETFLow-Cost Core · S&P 5000.02%1.02%+12.4%+12.8%+21.9%+11.9%−8.9%13.7%$183B2.1

Dimensional - US Core Equity 2 ETFUS Stock Styles · Large cap0.21%0.87%+14.9%+16.5%+21.0%+10.9%−8.5%13.0%$88.3B2.3

Vanguard Morningstar Total Stock Market ETFLow-Cost Core · Total US market0.03%1.05%+12.6%+13.0%+21.7%+10.8%−8.9%13.9%$689B2.5

Harbor Human Capital Factor US Large Cap ETF (HAPI)US Stock Styles · Large cap0.35%0.78%+11.1%+12.3%+21.6%[…]−8.1%12.9%$497M3.0

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

End-of-day Nov 11, 2026 · returns include dividends · since: HAPI 2022 · DFAC 2005 · SPYM 2005 · VTI 2001

Head to Head

Swap sides Versus in desk

Head to Head

5Y

Dimensional - US Core Equity 2 ETF · $88.3B$16,748

More Ways to See the Pairs

DFAC vs HAPI: Top 5 Holdings

Today

DFAC

19.9%in top 5

HAPI

in top 527.2%

DFACStockHAPI

5.9%AAPL6.2%

2.8%AMZN6.2%

4.9%MSFT6.0%

2.0%META4.6%

4.4%

Cost, Income and Risk

Fees: HAPI, DFAC, SPYM, VTI

Today

0.02%lowest, SPYM

FundExpense ratioFee$10k

SPYM0.02%$2

VTI0.03%$3

DFAC0.21%$21

HAPI0.35%$35

End-of-day Nov 11, 2026 · fee on $10,000 a year

Popular Pairs Near These Four

SPYM vs SPY

YTD

SPDRSPYM

+12.4%

SPYSPDR

+12.3%

+12.4%Year to date+12.3%

1.0%Yield1.0%

$183BAssets$793B

1–0SPYM wins

End-of-day Nov 11, 2026

VTI vs ITOT

YTD

VanguardVTI

+12.6%

ITOTiShares

+12.5%

SCHD vs VIG

YTD

SchwabSCHD

+34.6%

VIGVanguard

+16.0%

DFAC

HAPI

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

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

DFACMeasureHAPI

+14.9%Year to dateJan 1 → Nov 11+11.1%

+16.5%1 yearTotal return+12.3%

+21.0%3 years · per year$10,000 became $17,728 · $17,959+21.6%

+10.9%5 years · per year$10,000 became $16,748 · […][…]

0.21%Expense ratio$21 · $35 a year on $10k · lower is better0.35%

0.87%Trailing 12-mo yield$87 · $78 a year on $10k0.78%

−8.5%Worst dropSmaller is better−8.1%

13.0%VolatilityLower is calmer12.9%

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

4–3DFAC wins

End-of-day Nov 11, 2026 · returns include dividends · 3Y and 5Y figures are per-year returns

NVDA

not top 5

not top 5GOOGL4.3%

Held in common41.5%

End-of-day Nov 11, 2026 · share of each fund

DFAC vs HAPI Returns, Every Period

1Y

DimensionalDFAC

+16.5%

past year

HAPIHarbor

+12.3%

past year

DFACHAPIFaded: behind in that period

2–1DFAC wins

End-of-day Nov 11, 2026 · dividends in · faded = behind in that period

Stocks vs Core: DFAC vs VTI

YTD

DimensionalDFAC

+14.9%

VTIVanguard

+12.6%

+14.9%Year to date+12.6%

−8.5%Worst drop · 1Y−8.9%

13.0%Volatility · 1Y13.9%

0.9%Yield1.1%

$88.3BAssets$689B

3–1DFAC wins

End-of-day Nov 11, 2026 · smaller drop and lower volatility win

Yields: HAPI, DFAC, SPYM, VTI

1Y

1.05%highest, VTI

FundTrailing yieldYield$10k

VTI1.05%$106

SPYM1.02%$102

DFAC0.87%$87

HAPI0.78%$78

End-of-day Nov 11, 2026 · trailing 12-month yield

Income After Fees on $10,000

1Y

$103most kept, VTI

VTI$106 − $3 = $103

SPYM$102 − $2 = $100

DFAC$87 − $21 = $66

HAPI$78 − $35 = $43

KeptFee

End-of-day Nov 11, 2026 · yield in dollars minus the fee

Overlap: HAPI, DFAC, SPYM, VTI

Today

85.8%most shared, SPYM and VTI

HAPIDFACSPYMVTI

HAPI—41.5%50.4%45.6%

DFAC41.5%—68.7%72.5%

SPYM50.4%68.7%—85.8%

VTI45.6%72.5%85.8%—

End-of-day Nov 11, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 4 ETFs

1Y

+16.5%DFAC, at 13.0% volatility

HAPIWorst drop−8.1%12.9% vol

DFACWorst drop−8.5%13.0% vol

SPYMWorst drop−8.9%13.7% vol

VTIWorst drop−8.9%13.9% vol

End-of-day Nov 11, 2026 · up and left is better

Paid More vs Made More

YTD

VTIDFAC

+12.6%Year to date+14.9%

1.1%Yield0.9%

+13.0%Past year+16.5%

0.03%Fee0.21%

2–2level

End-of-day Nov 11, 2026

+12.6%Year to date+12.5%

1.1%Yield1.0%

$689BAssets$96.5B

2–0VTI wins

End-of-day Nov 11, 2026

+34.6%Year to date+16.0%

2.9%Yield1.4%

$123BAssets$109B

2–0SCHD wins

End-of-day Nov 11, 2026

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HAPI, DFAC, SPYM and VTI

Head to Head

More Ways to See the Pairs

Cost, Income and Risk

Popular Pairs Near These Four