Compare · 4 funds side by side · dividends reinvested

HAPI, DFAC, SPY and VUG

HAPIHarbor×DFACDimensional×SPYSPDR×VUGVanguard×

Story of the four · Growth5Y$10,000 five years agoDividends reinvested · all four on one scale$17,099SPY · best of the four

02 / 04

HAPI, DFAC, SPY and VUG, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

Dimensional - US Core Equity 2 ETFUS Stock Styles · Large cap0.21%0.90%+11.2%+14.3%+21.2%+10.6%−8.5%12.9%$89.2B2.1

State Street SPDR S&P 500 ETFLow-Cost Core · S&P 5000.09%1.03%+8.3%+9.7%+22.0%+11.3%−8.9%13.6%$805B2.3

Harbor Human Capital Factor US Large Cap ETF (HAPI)US Stock Styles · Large cap0.35%0.80%+8.2%+10.5%+22.1%[…]−8.1%12.8%$503M2.3

Vanguard Morningstar Growth ETFUS Stock Styles · Growth0.03%0.43%+0.5%−0.6%+22.8%+9.9%−15.1%19.0%$233B3.1

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

End-of-day Nov 5, 2026 · returns include dividends · since: HAPI 2022 · DFAC 2005 · SPY 1993 · VUG 2004

Head to Head

Swap sides Versus in desk

Head to Head

Dimensional - US Core Equity 2 ETF · $89.2B$16,526

DFAC

SPY

State Street SPDR S&P 500 ETF · $805B$17,099

$10,000 five years ago, dividends reinvested · they hold 69.1% in common

DFACMeasureSPY

+11.2%Year to dateJan 1 → Nov 5+8.3%

+14.3%1 yearTotal return+9.7%

+21.2%3 years · per year$10,000 became $17,812 · $18,174+22.0%

+10.6%5 years · per year$10,000 became $16,526 · $17,099+11.3%

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

0.90%Trailing 12-mo yield$90 · $103 a year on $10k1.03%

−8.5%Worst dropSmaller is better−8.9%

12.9%VolatilityLower is calmer13.6%

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

4–4Level

End-of-day Nov 5, 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

20.5%in top 5

SPY

in top 527.7%

DFACStockSPY

5.8%AAPL7.7%

5.1%NVDA7.3%

5.0%MSFT6.2%

2.7%AMZN3.9%

not top 5GOOGL2.6%

1.9%METAnot top 5

Held in common69.1%

End-of-day Nov 5, 2026 · share of each fund

DFAC vs SPY Returns, Every Period

DimensionalDFAC

+10.6%

5 years, per year

SPYSPDR

+11.3%

5 years, per year

DFACSPYFaded: behind in that period

2–2Level

End-of-day Nov 5, 2026 · dividends in · faded = behind in that period

Stocks vs Core: DFAC vs SPY

YTD

DimensionalDFAC

+11.2%

SPYSPDR

+8.3%

+11.2%Year to date+8.3%

−8.5%Worst drop · 1Y−8.9%

12.9%Volatility · 1Y13.6%

0.9%Yield1.0%

$89.2BAssets$805B

3–1DFAC wins

End-of-day Nov 5, 2026 · smaller drop and lower volatility win

Cost, Income and Risk

Fees: HAPI, DFAC, SPY, VUG

Today

0.03%lowest, VUG

FundExpense ratioFee$10k

VUG0.03%$3

SPY0.09%$9

DFAC0.21%$21

HAPI0.35%$35

End-of-day Nov 5, 2026 · fee on $10,000 a year

Yields: HAPI, DFAC, SPY, VUG

1.03%highest, SPY

FundTrailing yieldYield$10k

SPY1.03%$103

DFAC0.90%$90

HAPI0.80%$80

VUG0.43%$43

End-of-day Nov 5, 2026 · trailing 12-month yield

Income After Fees on $10,000

$94most kept, SPY

SPY$103 − $9 = $94

DFAC$90 − $21 = $69

HAPI$80 − $35 = $45

VUG$43 − $3 = $40

KeptFee

End-of-day Nov 5, 2026 · yield in dollars minus the fee

Overlap: HAPI, DFAC, SPY, VUG

Today

69.1%most shared, DFAC and SPY

HAPIDFACSPYVUG

HAPI—41.9%50.6%43.9%

DFAC41.9%—69.1%36.2%

SPY50.6%69.1%—55.4%

VUG43.9%36.2%55.4%—

End-of-day Nov 5, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 4 ETFs

+14.3%DFAC, at 12.9% volatility

HAPIWorst drop−8.1%12.8% vol

DFACWorst drop−8.5%12.9% vol

SPYWorst drop−8.9%13.6% vol

VUGWorst drop−15.1%19.0% vol

End-of-day Nov 5, 2026 · up and left is better

Paid More vs Made More

YTD

SPYDFAC

+8.3%Year to date+11.2%

1.0%Yield0.9%

+9.7%Past year+14.3%

0.09%Fee0.21%

2–2level

End-of-day Nov 5, 2026

Popular Pairs Near These Four

SPYM vs SPY

YTD

SPDRSPYM

+8.4%

SPYSPDR

+8.3%

+8.4%Year to date+8.3%

1.1%Yield1.0%

$182BAssets$805B

2–0SPYM wins

End-of-day Nov 5, 2026

VUG vs SCHG

YTD

VanguardVUG

+0.5%

SCHGSchwab

+0.9%

+0.5%Year to date+0.9%

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

$233BAssets$62.5B

1–1level

End-of-day Nov 5, 2026

SCHD vs VIG

YTD

SchwabSCHD

+32.3%

VIGVanguard

+12.5%

+32.3%Year to date+12.5%

3.0%Yield1.5%

$123BAssets$109B

2–0SCHD wins

End-of-day Nov 5, 2026