Compare · 4 funds side by side · dividends reinvested

HAPI, DFAC, SPY and IWF

HAPIHarbor×DFACDimensional×SPYSPDR×IWFiShares×

Story of the four · Growth5Y$10,000 five years agoDividends reinvested · all four on one scale$18,060SPY · best of the four

02 / 04

HAPI, DFAC, SPY and IWF, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

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

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%$89.2B2.0

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%$503M2.3

iShares Russell 1000 Growth ETFUS Stock Styles · Growth0.18%0.37%−0.1%−3.0%+22.3%+10.6%−15.6%18.3%$121B3.6

Rank among the four1st → 4thFee, 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 · IWF 2000

Head to Head

Swap sides Versus in desk

Head to Head

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

DFAC

SPY

State Street SPDR S&P 500 ETF · $805B$18,060

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

DFACMeasureSPY

+15.8%Year to dateJan 1 → Nov 4+13.3%

+17.7%1 yearTotal return+13.4%

+23.2%3 years · per year$10,000 became $18,682 · $19,132+24.1%

+11.7%5 years · per year$10,000 became $17,417 · $18,060+12.6%

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

0.87%Trailing 12-mo yield$87 · $99 a year on $10k0.99%

−8.5%Worst dropSmaller is better−8.9%

12.3%VolatilityLower is calmer12.9%

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

4–4Level

End-of-day Nov 4, 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

20.1%in top 5

SPY

in top 527.3%

DFACStockSPY

5.3%NVDA7.7%

5.6%AAPL7.4%

4.8%MSFT5.9%

2.6%AMZN3.8%

not top 5GOOGL2.5%

1.9%METAnot top 5

Held in common68.9%

End-of-day Nov 4, 2026 · share of each fund

DFAC vs SPY Returns, Every Period

DimensionalDFAC

+11.7%

5 years, per year

SPYSPDR

+12.6%

5 years, per year

DFACSPYFaded: behind in that period

2–2Level

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

Stocks vs Core: DFAC vs SPY

YTD

DimensionalDFAC

+15.8%

SPYSPDR

+13.3%

+15.8%Year to date+13.3%

−8.5%Worst drop · 1Y−8.9%

12.3%Volatility · 1Y12.9%

0.9%Yield1.0%

$89.2BAssets$805B

3–1DFAC wins

End-of-day Nov 4, 2026 · smaller drop and lower volatility win

Cost, Income and Risk

Fees: HAPI, DFAC, SPY, IWF

Today

0.09%lowest, SPY

FundExpense ratioFee$10k

SPY0.09%$9

IWF0.18%$18

DFAC0.21%$21

HAPI0.35%$35

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

Yields: HAPI, DFAC, SPY, IWF

0.99%highest, SPY

FundTrailing yieldYield$10k

SPY0.99%$99

DFAC0.87%$87

HAPI0.77%$77

IWF0.37%$37

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

IWF$37 − $18 = $19

KeptFee

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

Overlap: HAPI, DFAC, SPY, IWF

Today

68.9%most shared, DFAC and SPY

HAPIDFACSPYIWF

HAPI—41.5%50.2%43.6%

DFAC41.5%—68.9%40.8%

SPY50.2%68.9%—56.5%

IWF43.6%40.8%56.5%—

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

Return vs Bumpiness: 4 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

IWFWorst drop−15.6%18.3% 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 Four

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

VUG vs SCHG

YTD

VanguardVUG

+6.3%

SCHGSchwab

+6.8%

+6.3%Year to date+6.8%

0.03% · $3Fee · on $10k a year0.04% · $4

$233BAssets$62.5B

1–1level

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