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$17,118SPY · 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%+11.4%+13.8%+21.0%+10.6%−8.5%12.9%$85.7B2.1

State Street SPDR S&P 500 ETFLow-Cost Core · S&P 5000.09%1.03%+8.7%+9.7%+21.7%+11.3%−8.9%13.6%$819B2.1

Harbor Human Capital Factor US Large Cap ETF (HAPI)US Stock Styles · Large cap0.35%0.80%+8.0%+9.9%+21.7%[…]−8.1%12.7%$503M2.4

Vanguard Morningstar Growth ETFUS Stock Styles · Growth0.03%0.42%+1.4%+0.2%+22.6%+10.0%−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 6, 2026 · returns include dividends · since: HAPI 2022 · DFAC 2005 · SPY 1993 · VUG 2004

Head to Head

Swap sides Versus in desk

Head to Head

State Street SPDR S&P 500 ETF · $819B$17,118

SPY

DFAC

Dimensional - US Core Equity 2 ETF · $85.7B$16,525

$10,000 five years ago, dividends reinvested · they hold 69.0% in common

SPYMeasureDFAC

+8.7%Year to dateJan 1 → Nov 6+11.4%

+9.7%1 yearTotal return+13.8%

+21.7%3 years · per year$10,000 became $18,039 · $17,722+21.0%

+11.3%5 years · per year$10,000 became $17,118 · $16,525+10.6%

0.09%Expense ratio$9 · $21 a year on $10k · lower is better0.21%

1.03%Trailing 12-mo yield$103 · $90 a year on $10k0.90%

−8.9%Worst dropSmaller is better−8.5%

13.6%VolatilityLower is calmer12.9%

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

4–4Level

End-of-day Nov 6, 2026 · returns include dividends · 3Y and 5Y figures are per-year returns

More Ways to See the Pairs

SPY vs DFAC: Top 5 Holdings

Today

SPY

27.8%in top 5

DFAC

in top 520.4%

SPYStockDFAC

7.9%AAPL5.9%

6.9%NVDA4.8%

6.3%MSFT5.0%

4.0%AMZN2.7%

2.6%GOOGLnot top 5

not top 5META1.9%

Held in common69.0%

End-of-day Nov 6, 2026 · share of each fund

SPY vs DFAC Returns, Every Period

SPDRSPY

+11.3%

5 years, per year

DFACDimensional

+10.6%

5 years, per year

SPYDFACFaded: behind in that period

2–2Level

End-of-day Nov 6, 2026 · dividends in · faded = behind in that period

Core vs Stocks: SPY vs DFAC

YTD

SPDRSPY

+8.7%

DFACDimensional

+11.4%

+8.7%Year to date+11.4%

−8.9%Worst drop · 1Y−8.5%

13.6%Volatility · 1Y12.9%

1.0%Yield0.9%

$819BAssets$85.7B

3–1DFAC wins

End-of-day Nov 6, 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 6, 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

VUG0.42%$42

End-of-day Nov 6, 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$42 − $3 = $39

KeptFee

End-of-day Nov 6, 2026 · yield in dollars minus the fee

Overlap: HAPI, DFAC, SPY, VUG

Today

69.0%most shared, DFAC and SPY

HAPIDFACSPYVUG

HAPI—42.0%50.8%43.6%

DFAC42.0%—69.0%35.7%

SPY50.8%69.0%—54.8%

VUG43.6%35.7%54.8%—

End-of-day Nov 6, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 4 ETFs

+13.8%DFAC, at 12.9% volatility

HAPIWorst drop−8.1%12.7% 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 6, 2026 · up and left is better

Paid More vs Made More

YTD

SPYDFAC

+8.7%Year to date+11.4%

1.0%Yield0.9%

+9.7%Past year+13.8%

0.09%Fee0.21%

2–2level

End-of-day Nov 6, 2026

Popular Pairs Near These Four

SPYM vs SPY

YTD

SPDRSPYM

+8.8%

SPYSPDR

+8.7%

+8.8%Year to date+8.7%

1.1%Yield1.0%

$182BAssets$819B

2–0SPYM wins

End-of-day Nov 6, 2026

VUG vs SCHG

YTD

VanguardVUG

+1.4%

SCHGSchwab

+1.9%

+1.4%Year to date+1.9%

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

$233BAssets$59.1B

1–1level

End-of-day Nov 6, 2026

SCHD vs VIG

YTD

SchwabSCHD

+31.4%

VIGVanguard

+12.1%

+31.4%Year to date+12.1%

3.0%Yield1.5%

$120BAssets$109B

2–0SCHD wins

End-of-day Nov 6, 2026