Compare · 3 funds side by side · dividends reinvested

HAPI, DFAC and SPY

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

02 / 04

HAPI, DFAC and SPY, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

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%$87.6B1.9

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%$798B1.9

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%$491M2.1

Rank among the three1st → 3rdFee, 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

Head to Head

Swap sides Versus in desk

Head to Head

State Street SPDR S&P 500 ETF · $798B$18,060

SPY

HAPI

Harbor Human Capital Factor US Large Cap ETF (HAPI) · $491M[…]

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

SPYMeasureHAPI

+13.3%Year to dateJan 1 → Nov 4+12.3%

+13.4%1 yearTotal return+13.6%

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

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

0.09%Expense ratio$9 · $35 a year on $10k · lower is better0.35%

0.99%Trailing 12-mo yield$99 · $77 a year on $10k0.77%

−8.9%Worst dropSmaller is better−8.1%

12.9%VolatilityLower is calmer12.2%

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

4–3SPY wins

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

More Ways to See the Pairs

SPY vs HAPI: Top 5 Holdings

Today

SPY

27.3%in top 5

HAPI

in top 527.0%

SPYStockHAPI

7.7%NVDA5.1%

7.4%AAPL5.9%

5.9%MSFT5.9%

3.8%AMZN5.7%

not top 5META4.4%

2.5%GOOGLnot top 5

Held in common50.2%

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

SPY vs HAPI Returns, Every Period

SPDRSPY

+13.4%

past year

HAPIHarbor

+13.6%

past year

SPYHAPIFaded: behind in that period

2–1SPY wins

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

Core vs Stocks: SPY vs DFAC

YTD

SPDRSPY

+13.3%

DFACDimensional

+15.8%

+13.3%Year to date+15.8%

−8.9%Worst drop · 1Y−8.5%

12.9%Volatility · 1Y12.3%

1.0%Yield0.9%

$798BAssets$87.6B

3–1DFAC wins

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

Cost, Income and Risk

Fees: HAPI, DFAC, SPY

Today

0.09%lowest, SPY

FundExpense ratioFee$10k

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

0.99%highest, SPY

FundTrailing yieldYield$10k

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

$90most kept, SPY

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

Today

68.9%most shared, DFAC and SPY

HAPIDFACSPY

HAPI—41.5%50.2%

DFAC41.5%—68.9%

SPY50.2%68.9%—

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

Return vs Bumpiness: 3 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

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 Three

SPYM vs SPY

YTD

SPDRSPYM

+13.4%

SPYSPDR

+13.3%

+13.4%Year to date+13.3%

1.0%Yield1.0%

$185BAssets$798B

1–0SPYM 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%

$121BAssets$109B

2–0SCHD wins

End-of-day Nov 4, 2026

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+8.5%

JEPIJ.P. Morgan

+8.8%

+8.5%Year to date+8.8%

12.2%Yield7.8%

$41.8BAssets$46.0B

1–1level

End-of-day Nov 4, 2026