Compare · 4 funds side by side · dividends reinvested

HAPI, DFAC, VOO and VTI

HAPIHarbor×DFACDimensional×VOOVanguard×VTIVanguard×

Story of the four · Growth5Y$10,000 five years agoDividends reinvested · all four on one scale$17,177VOO · best of the four

02 / 04

HAPI, DFAC, VOO and VTI, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

Vanguard S&P 500 ETFLow-Cost Core · S&P 5000.03%1.10%+8.7%+9.8%+21.8%+11.4%−8.9%13.5%$1.00T2.1

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%$85.7B2.3

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%$503M2.6

Vanguard Morningstar Total Stock Market ETFLow-Cost Core · Total US market0.03%1.09%+8.9%+9.9%+21.7%+10.4%−8.9%13.7%$689B2.8

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 · VOO 2010 · VTI 2001

Head to Head

Swap sides Versus in desk

Head to Head

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

DFAC

VTI

Vanguard Morningstar Total Stock Market ETF · $689B$16,375

$10,000 five years ago, dividends reinvested · they hold 72.6% in common

DFACMeasureVTI

+11.4%Year to dateJan 1 → Nov 6+8.9%

+13.8%1 yearTotal return+9.9%

+21.0%3 years · per year$10,000 became $17,722 · $18,004+21.7%

+10.6%5 years · per year$10,000 became $16,525 · $16,375+10.4%

0.21%Expense ratio$21 · $3 a year on $10k · lower is better0.03%

0.90%Trailing 12-mo yield$90 · $109 a year on $10k1.09%

−8.5%Worst dropSmaller is better−8.9%

12.9%VolatilityLower is calmer13.7%

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

5–3DFAC wins

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

More Ways to See the Pairs

DFAC vs VTI: Top 5 Holdings

Today

DFAC

20.4%in top 5

VTI

in top 525.0%

DFACStockVTI

4.8%NVDA7.1%

5.9%AAPL6.6%

5.0%MSFT5.2%

2.7%AMZN3.3%

not top 5GOOGL2.8%

1.9%METAnot top 5

Held in common72.6%

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

DFAC vs VTI Returns, Every Period

DimensionalDFAC

+10.6%

5 years, per year

VTIVanguard

+10.4%

5 years, per year

DFACVTIFaded: behind in that period

3–1DFAC wins

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

Stocks vs Core: DFAC vs VOO

YTD

DimensionalDFAC

+11.4%

VOOVanguard

+8.7%

+11.4%Year to date+8.7%

−8.5%Worst drop · 1Y−8.9%

12.9%Volatility · 1Y13.5%

0.9%Yield1.1%

$85.7BAssets$1.00T

3–1DFAC wins

End-of-day Nov 6, 2026 · smaller drop and lower volatility win

Cost, Income and Risk

Fees: HAPI, DFAC, VOO, VTI

Today

0.03%lowest, VOO

FundExpense ratioFee$10k

VOO0.03%$3

VTI0.03%$3

DFAC0.21%$21

HAPI0.35%$35

End-of-day Nov 6, 2026 · fee on $10,000 a year

Yields: HAPI, DFAC, VOO, VTI

1.10%highest, VOO

FundTrailing yieldYield$10k

VOO1.10%$110

VTI1.09%$109

DFAC0.90%$90

HAPI0.80%$80

End-of-day Nov 6, 2026 · trailing 12-month yield

Income After Fees on $10,000

$107most kept, VOO

VOO$110 − $3 = $107

VTI$109 − $3 = $106

DFAC$90 − $21 = $69

HAPI$80 − $35 = $45

KeptFee

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

Overlap: HAPI, DFAC, VOO, VTI

Today

89.0%most shared, VOO and VTI

HAPIDFACVOOVTI

HAPI—42.0%49.7%46.0%

DFAC42.0%—67.3%72.6%

VOO49.7%67.3%—89.0%

VTI46.0%72.6%89.0%—

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

VOOWorst drop−8.9%13.5% vol

VTIWorst drop−8.9%13.7% vol

End-of-day Nov 6, 2026 · up and left is better

Paid More vs Made More

YTD

VOODFAC

+8.7%Year to date+11.4%

1.1%Yield0.9%

+9.8%Past year+13.8%

0.03%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

VTI vs ITOT

YTD

VanguardVTI

+8.9%

ITOTiShares

+8.8%

+8.9%Year to date+8.8%

1.1%Yield1.0%

$689BAssets$92.8B

2–0VTI wins

End-of-day Nov 6, 2026

VOO vs IVV

YTD

VanguardVOO

+8.7%

IVViShares

+8.7%

+8.7%Year to date+8.7%

1.1%Yield1.1%

$1.00TAssets$850B

0–0level

End-of-day Nov 6, 2026