Compare · 3 funds side by side · dividends reinvested

HAPI, DFAC and VTI

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Story of the three · Growth3Y$10,000 three years agoDividends reinvested · all three on one scale$17,911VTI · best of the three

Story of the three · IncomeMost incomeVTI · 1.06% · $106 a year on $10k

Story of the three · RiskSmallest drop

HAPI, DFAC and VTI, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

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%$88.3B1.8

Vanguard Morningstar Total Stock Market ETFLow-Cost Core · Total US market0.03%1.06%+12.1%+12.2%+21.4%+10.6%−8.9%13.9%$689B1.9

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%$497M2.3

Rank among the three1st → 3rdFee, 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 · VTI 2001

Head to Head

Swap sides Versus in desk

Head to Head

5Y

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

HAPI

VTI

Vanguard Morningstar Total Stock Market ETF · $689B$16,543

$10,000 five years ago, dividends reinvested · they hold 45.8% in common

More Ways to See the Pairs

HAPI vs VTI: Top 5 Holdings

Today

HAPI

26.8%in top 5

VTI

in top 525.0%

HAPIStockVTI

not top 5NVDA7.1%

6.2%AAPL6.6%

6.0%AMZN3.3%

5.8%MSFT5.2%

4.4%META

Cost, Income and Risk

Fees: HAPI, DFAC, VTI

Today

0.03%lowest, VTI

FundExpense ratioFee$10k

VTI0.03%$3

DFAC0.21%$21

HAPI0.35%$35

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

Yields: HAPI, DFAC, VTI

Popular Pairs Near These Three

VTI vs ITOT

YTD

VanguardVTI

+12.1%

ITOTiShares

+11.9%

+12.1%Year to date+11.9%

1.1%Yield1.0%

$689BAssets$96.5B

2–0VTI wins

End-of-day Nov 12, 2026

SCHD vs VIG

YTD

SchwabSCHD

+34.2%

VIGVanguard

+16.0%

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+7.8%

JEPIJ.P. Morgan

+8.3%

HAPI

Measure

VTI

+10.6%Year to dateJan 1 → Nov 12+12.1%

+11.5%1 yearTotal return+12.2%

+21.2%3 years · per year$10,000 became $17,822 · $17,911+21.4%

[…]5 years · per year$10,000 became […] · $16,542+10.6%

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

0.78%Trailing 12-mo yield$78 · $106 a year on $10k1.06%

−8.1%Worst dropSmaller is better−8.9%

12.9%VolatilityLower is calmer13.9%

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

2–5VTI wins

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

not top 5

4.3%GOOGL2.8%

Held in common45.8%

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

HAPI vs VTI Returns, Every Period

1Y

HarborHAPI

+11.5%

past year

VTIVanguard

+12.2%

past year

HAPIVTIFaded: behind in that period

0–3VTI wins

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

Stocks vs Core: HAPI vs VTI

YTD

HarborHAPI

+10.6%

VTIVanguard

+12.1%

+10.6%Year to date+12.1%

−8.1%Worst drop · 1Y−8.9%

12.9%Volatility · 1Y13.9%

0.8%Yield1.1%

$497MAssets$689B

2–2level

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

1Y

1.06%highest, VTI

FundTrailing yieldYield$10k

VTI1.06%$106

DFAC0.88%$88

HAPI0.78%$78

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

Income After Fees on $10,000

1Y

$103most kept, VTI

VTI$106 − $3 = $103

DFAC$88 − $21 = $67

HAPI$78 − $35 = $43

KeptFee

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

Overlap: HAPI, DFAC, VTI

Today

72.7%most shared, DFAC and VTI

HAPIDFACVTI

HAPI—41.4%45.8%

DFAC41.4%—72.7%

VTI45.8%72.7%—

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

Return vs Bumpiness: 3 ETFs

1Y

+15.4%DFAC, at 13.1% volatility

HAPIWorst drop−8.1%12.9% vol

DFACWorst drop−8.5%13.1% vol

VTIWorst drop−8.9%13.9% vol

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

Paid More vs Made More

YTD

VTIDFAC

+12.1%Year to date+14.1%

1.1%Yield0.9%

+12.2%Past year+15.4%

0.03%Fee0.21%

2–2level

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

+7.8%Year to date+8.3%

12.2%Yield7.9%

$41.8BAssets$46.8B

1–1level

End-of-day Nov 12, 2026

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HAPI, DFAC and VTI

Head to Head

More Ways to See the Pairs

Cost, Income and Risk

Popular Pairs Near These Three