Compare · 4 funds side by side · dividends reinvested

HAPI, DFAC, QQQ and SPY

HAPIHarbor×DFACDimensional×QQQInvesco×SPYSPDR×

Story of the four · Growth5Y$10,000 five years agoDividends reinvested · all four on one scale$18,068QQQ · best of the four

02 / 04

HAPI, DFAC, QQQ and SPY, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

State Street SPDR S&P 500 ETFLow-Cost Core · S&P 5000.09%1.01%+11.2%+13.5%+21.9%+11.8%−8.9%13.7%$778B2.1

Dimensional - US Core Equity 2 ETFUS Stock Styles · Large cap0.21%0.88%+14.1%+17.7%+21.2%+11.0%−8.5%13.1%$85.6B2.3

Harbor Human Capital Factor US Large Cap ETF (HAPI)US Stock Styles · Large cap0.35%0.78%+10.6%+13.6%+21.9%[…]−8.1%12.9%$483M2.6

Invesco QQQ Trust, Series 1Low-Cost Core · Nasdaq-1000.18%0.46%+11.0%+11.6%+23.9%+12.6%−14.8%21.5%$446B2.9

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

End-of-day Nov 9, 2026 · returns include dividends · since: HAPI 2022 · DFAC 2005 · QQQ 1999 · SPY 1993

Head to Head

Swap sides Versus in desk

Head to Head

Dimensional - US Core Equity 2 ETF · $85.6B$16,820

DFAC

SPY

State Street SPDR S&P 500 ETF · $778B$17,493

$10,000 five years ago, dividends reinvested · they hold 68.9% in common

DFACMeasureSPY

+14.1%Year to dateJan 1 → Nov 9+11.2%

+17.7%1 yearTotal return+13.5%

+21.2%3 years · per year$10,000 became $17,787 · $18,118+21.9%

+11.0%5 years · per year$10,000 became $16,820 · $17,493+11.8%

0.21%Expense ratio$21 · $9 a year on $10k · lower is better0.09%

0.88%Trailing 12-mo yield$88 · $101 a year on $10k1.01%

−8.5%Worst dropSmaller is better−8.9%

13.1%VolatilityLower is calmer13.7%

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

4–4Level

End-of-day Nov 9, 2026 · returns include dividends · 3Y and 5Y figures are per-year returns

More Ways to See the Pairs

DFAC vs SPY: Top 5 Holdings

Today

DFAC

20.4%in top 5

SPY

in top 527.8%

DFACStockSPY

5.9%AAPL7.9%

4.9%NVDA7.1%

5.0%MSFT6.2%

2.7%AMZN4.0%

not top 5GOOGL2.6%

1.9%METAnot top 5

Held in common68.9%

End-of-day Nov 9, 2026 · share of each fund

DFAC vs SPY Returns, Every Period

DimensionalDFAC

+11.0%

5 years, per year

SPYSPDR

+11.8%

5 years, per year

DFACSPYFaded: behind in that period

2–2Level

End-of-day Nov 9, 2026 · dividends in · faded = behind in that period

Stocks vs Core: DFAC vs SPY

YTD

DimensionalDFAC

+14.1%

SPYSPDR

+11.2%

+14.1%Year to date+11.2%

−8.5%Worst drop · 1Y−8.9%

13.1%Volatility · 1Y13.7%

0.9%Yield1.0%

$85.6BAssets$778B

3–1DFAC wins

End-of-day Nov 9, 2026 · smaller drop and lower volatility win

Cost, Income and Risk

Fees: HAPI, DFAC, QQQ, SPY

Today

0.09%lowest, SPY

FundExpense ratioFee$10k

SPY0.09%$9

QQQ0.18%$18

DFAC0.21%$21

HAPI0.35%$35

End-of-day Nov 9, 2026 · fee on $10,000 a year

Yields: HAPI, DFAC, QQQ, SPY

1.01%highest, SPY

FundTrailing yieldYield$10k

SPY1.01%$101

DFAC0.88%$88

HAPI0.78%$78

QQQ0.46%$46

End-of-day Nov 9, 2026 · trailing 12-month yield

Income After Fees on $10,000

$92most kept, SPY

SPY$101 − $9 = $92

DFAC$88 − $21 = $67

HAPI$78 − $35 = $43

QQQ$46 − $18 = $28

KeptFee

End-of-day Nov 9, 2026 · yield in dollars minus the fee

Overlap: HAPI, DFAC, QQQ, SPY

Today

68.9%most shared, DFAC and SPY

HAPIDFACQQQSPY

HAPI—41.9%41.8%50.7%

DFAC41.9%—34.7%68.9%

QQQ41.8%34.7%—52.4%

SPY50.7%68.9%52.4%—

End-of-day Nov 9, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 4 ETFs

+17.7%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

QQQWorst drop−14.8%21.5% vol

End-of-day Nov 9, 2026 · up and left is better

Paid More vs Made More

YTD

SPYDFAC

+11.2%Year to date+14.1%

1.0%Yield0.9%

+13.5%Past year+17.7%

0.09%Fee0.21%

2–2level

End-of-day Nov 9, 2026

Popular Pairs Near These Four

SPYM vs SPY

YTD

SPDRSPYM

+11.3%

SPYSPDR

+11.2%

+11.3%Year to date+11.2%

1.0%Yield1.0%

$179BAssets$778B

1–0SPYM wins

End-of-day Nov 9, 2026

QQQM vs QQQ

YTD

InvescoQQQM

+10.9%

QQQInvesco

+11.0%

+10.9%Year to date+11.0%

0.15% · $15Fee · on $10k a year0.18% · $18

$103BAssets$446B

1–1level

End-of-day Nov 9, 2026

TQQQ vs QQQ

YTD

ProSharesTQQQ

+9.9%

QQQInvesco

+11.0%

+9.9%Year to date+11.0%

0.94% · $94Fee · on $10k a year0.18% · $18

$29.1BAssets$446B

2–0QQQ wins

End-of-day Nov 9, 2026