Compare · 4 funds side by side · dividends reinvested

HAPI, DFAC, QQQ and VTI

HAPIHarbor×DFACDimensional×QQQInvesco×VTIVanguard×

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 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%+17.7%+21.2%+11.0%−8.5%13.1%$85.6B2.1

Vanguard Morningstar Total Stock Market ETFLow-Cost Core · Total US market0.03%1.06%+11.6%+13.9%+21.8%+10.8%−8.9%13.9%$689B2.3

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 · VTI 2001

Head to Head

Swap sides Versus in desk

Head to Head

Invesco QQQ Trust, Series 1 · $446B$18,068

QQQ

HAPI

Harbor Human Capital Factor US Large Cap ETF (HAPI) · $483M[…]

$10,000 five years ago, dividends reinvested · they hold 41.8% in common

QQQMeasureHAPI

+11.0%Year to dateJan 1 → Nov 9+10.6%

+11.6%1 yearTotal return+13.6%

+23.9%3 years · per year$10,000 became $19,011 · $18,105+21.9%

+12.6%5 years · per year$10,000 became $18,068 · […][…]

0.18%Expense ratio$18 · $35 a year on $10k · lower is better0.35%

0.46%Trailing 12-mo yield$46 · $78 a year on $10k0.78%

−14.8%Worst dropSmaller is better−8.1%

21.5%VolatilityLower is calmer12.9%

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

3–4HAPI wins

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

More Ways to See the Pairs

QQQ vs HAPI: Top 5 Holdings

Today

QQQ

31.4%in top 5

HAPI

in top 527.5%

QQQStockHAPI

8.5%AAPL6.2%

7.7%NVDA4.7%

6.7%MSFT6.1%

4.8%AMZN6.0%

not top 5META4.4%

3.7%MUnot top 5

Held in common41.8%

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

QQQ vs HAPI Returns, Every Period

InvescoQQQ

+11.6%

past year

HAPIHarbor

+13.6%

past year

QQQHAPIFaded: behind in that period

2–1QQQ wins

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

QQQ vs VTI

YTD

InvescoQQQ

+11.0%

VTIVanguard

+11.6%

+11.0%Year to date+11.6%

−14.8%Worst drop · 1Y−8.9%

21.5%Volatility · 1Y13.9%

0.5%Yield1.1%

$446BAssets$689B

4–0VTI wins

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

Cost, Income and Risk

Fees: HAPI, DFAC, QQQ, VTI

Today

0.03%lowest, VTI

FundExpense ratioFee$10k

VTI0.03%$3

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, VTI

1.06%highest, VTI

FundTrailing yieldYield$10k

VTI1.06%$106

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

$103most kept, VTI

VTI$106 − $3 = $103

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, VTI

Today

72.7%most shared, DFAC and VTI

HAPIDFACQQQVTI

HAPI—41.9%41.8%46.1%

DFAC41.9%—34.7%72.7%

QQQ41.8%34.7%—49.9%

VTI46.1%72.7%49.9%—

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

VTIWorst drop−8.9%13.9% 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

VTIDFAC

+11.6%Year to date+14.1%

1.1%Yield0.9%

+13.9%Past year+17.7%

0.03%Fee0.21%

2–2level

End-of-day Nov 9, 2026

Popular Pairs Near These Four

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

VTI vs ITOT

YTD

VanguardVTI

+11.6%

ITOTiShares

+11.5%

+11.6%Year to date+11.5%

1.1%Yield1.0%

$689BAssets$93.2B

2–0VTI wins

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