Compare · 4 funds side by side · dividends reinvested

HAPI, DFAC, SPY and VTV

HAPIHarbor×DFACDimensional×SPYSPDR×VTVVanguard×

Story of the four · Growth5Y$10,000 five years agoDividends reinvested · all four on one scale$18,352VTV · best of the four

02 / 04

HAPI, DFAC, SPY and VTV, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

Vanguard Morningstar Value ETFUS Stock Styles · Value0.03%1.80%+22.8%+27.5%+22.9%+12.9%−6.4%10.2%$184B1.4

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%$89.2B2.8

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%$805B2.8

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%$503M3.0

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

End-of-day Nov 4, 2026 · returns include dividends · since: HAPI 2022 · DFAC 2005 · SPY 1993 · VTV 2004

Head to Head

Swap sides Versus in desk

Head to Head

Harbor Human Capital Factor US Large Cap ETF (HAPI) · $503M[…]

HAPI

SPY

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

$10,000 five years ago, dividends reinvested · they hold 50.2% in common

HAPIMeasureSPY

+12.3%Year to dateJan 1 → Nov 4+13.3%

+13.6%1 yearTotal return+13.4%

+23.9%3 years · per year$10,000 became $19,002 · $19,132+24.1%

[…]5 years · per year$10,000 became […] · $18,060+12.6%

0.35%Expense ratio$35 · $9 a year on $10k · lower is better0.09%

0.77%Trailing 12-mo yield$77 · $99 a year on $10k0.99%

−8.1%Worst dropSmaller is better−8.9%

12.2%VolatilityLower is calmer12.9%

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

3–4SPY wins

End-of-day Nov 4, 2026 · returns include dividends · 3Y and 5Y figures are per-year returns

More Ways to See the Pairs

HAPI vs SPY: Top 5 Holdings

Today

HAPI

27.0%in top 5

SPY

in top 527.3%

HAPIStockSPY

5.1%NVDA7.7%

5.9%AAPL7.4%

5.9%MSFT5.9%

5.7%AMZN3.8%

4.4%METAnot top 5

not top 5GOOGL2.5%

Held in common50.2%

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

HAPI vs SPY Returns, Every Period

HarborHAPI

+13.6%

past year

SPYSPDR

+13.4%

past year

HAPISPYFaded: behind in that period

1–2SPY wins

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

HAPI vs VTV

YTD

HarborHAPI

+12.3%

VTVVanguard

+22.8%

+12.3%Year to date+22.8%

−8.1%Worst drop · 1Y−6.4%

12.2%Volatility · 1Y10.2%

0.8%Yield1.8%

$503MAssets$184B

4–0VTV wins

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

Cost, Income and Risk

Fees: HAPI, DFAC, SPY, VTV

Today

0.03%lowest, VTV

FundExpense ratioFee$10k

VTV0.03%$3

SPY0.09%$9

DFAC0.21%$21

HAPI0.35%$35

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

Yields: HAPI, DFAC, SPY, VTV

1.80%highest, VTV

FundTrailing yieldYield$10k

VTV1.80%$180

SPY0.99%$99

DFAC0.87%$87

HAPI0.77%$77

End-of-day Nov 4, 2026 · trailing 12-month yield

Income After Fees on $10,000

$177most kept, VTV

VTV$180 − $3 = $177

SPY$99 − $9 = $90

DFAC$87 − $21 = $66

HAPI$77 − $35 = $42

KeptFee

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

Overlap: HAPI, DFAC, SPY, VTV

Today

68.9%most shared, DFAC and SPY

HAPIDFACSPYVTV

HAPI—41.5%50.2%35.3%

DFAC41.5%—68.9%37.7%

SPY50.2%68.9%—43.5%

VTV35.3%37.7%43.5%—

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

Return vs Bumpiness: 4 ETFs

+27.5%VTV, at 10.2% volatility

VTVWorst drop−6.4%10.2% vol

HAPIWorst drop−8.1%12.2% vol

DFACWorst drop−8.5%12.3% vol

SPYWorst drop−8.9%12.9% vol

End-of-day Nov 4, 2026 · up and left is better

Paid More vs Made More

YTD

VTVDFAC

+22.8%Year to date+15.8%

1.8%Yield0.9%

+27.5%Past year+17.7%

0.03%Fee0.21%

4–0VTV wins

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

VTV vs SCHV

YTD

VanguardVTV

+22.8%

SCHVSchwab

+20.4%

+22.8%Year to date+20.4%

1.8%Yield1.8%

$184BAssets$15.9B

1–0VTV wins

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