Compare · 4 funds side by side · dividends reinvested

HAPI, DFAC, VOO and VTV

HAPIHarbor×DFACDimensional×VOOVanguard×VTVVanguard×

Story of the four · Growth5Y$10,000 five years agoDividends reinvested · all four on one scale$17,626VTV · best of the four

02 / 04

HAPI, DFAC, VOO and VTV, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

Vanguard Morningstar Value ETFUS Stock Styles · Value0.03%1.86%+19.0%+24.0%+21.3%+12.0%−6.4%10.7%$184B1.3

Vanguard S&P 500 ETFLow-Cost Core · S&P 5000.03%1.10%+8.4%+9.8%+22.1%+11.4%−8.9%13.5%$1.00T2.6

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%$89.2B2.9

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%$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 5, 2026 · returns include dividends · since: HAPI 2022 · DFAC 2005 · VOO 2010 · VTV 2004

Head to Head

Swap sides Versus in desk

Head to Head

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

DFAC

VOO

Vanguard S&P 500 ETF · $1.00T$17,156

$10,000 five years ago, dividends reinvested · they hold 67.8% in common

DFACMeasureVOO

+11.2%Year to dateJan 1 → Nov 5+8.4%

+14.3%1 yearTotal return+9.8%

+21.2%3 years · per year$10,000 became $17,812 · $18,224+22.1%

+10.6%5 years · per year$10,000 became $16,526 · $17,156+11.4%

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

0.90%Trailing 12-mo yield$90 · $110 a year on $10k1.10%

−8.5%Worst dropSmaller is better−8.9%

12.9%VolatilityLower is calmer13.5%

DFACVOO 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 VOO: Top 5 Holdings

Today

DFAC

20.5%in top 5

VOO

in top 528.3%

DFACStockVOO

5.1%NVDA8.4%

5.8%AAPL7.4%

5.0%MSFT5.8%

2.7%AMZN3.7%

not top 5GOOGL3.1%

1.9%METAnot top 5

Held in common67.8%

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

DFAC vs VOO Returns, Every Period

DimensionalDFAC

+10.6%

5 years, per year

VOOVanguard

+11.4%

5 years, per year

DFACVOOFaded: behind in that period

2–2Level

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

DFAC vs VTV

YTD

DimensionalDFAC

+11.2%

VTVVanguard

+19.0%

+11.2%Year to date+19.0%

−8.5%Worst drop · 1Y−6.4%

12.9%Volatility · 1Y10.7%

0.9%Yield1.9%

$89.2BAssets$184B

4–0VTV wins

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

Cost, Income and Risk

Fees: HAPI, DFAC, VOO, VTV

Today

0.03%lowest, VOO

FundExpense ratioFee$10k

VOO0.03%$3

VTV0.03%$3

DFAC0.21%$21

HAPI0.35%$35

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

Yields: HAPI, DFAC, VOO, VTV

1.86%highest, VTV

FundTrailing yieldYield$10k

VTV1.86%$186

VOO1.10%$110

DFAC0.90%$90

HAPI0.80%$80

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

Income After Fees on $10,000

$183most kept, VTV

VTV$186 − $3 = $183

VOO$110 − $3 = $107

DFAC$90 − $21 = $69

HAPI$80 − $35 = $45

KeptFee

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

Overlap: HAPI, DFAC, VOO, VTV

Today

67.8%most shared, DFAC and VOO

HAPIDFACVOOVTV

HAPI—41.9%49.9%35.3%

DFAC41.9%—67.8%37.7%

VOO49.9%67.8%—41.1%

VTV35.3%37.7%41.1%—

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

Return vs Bumpiness: 4 ETFs

+24.0%VTV, at 10.7% volatility

VTVWorst drop−6.4%10.7% vol

HAPIWorst drop−8.1%12.8% vol

DFACWorst drop−8.5%12.9% vol

VOOWorst drop−8.9%13.5% vol

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

Paid More vs Made More

YTD

VTVDFAC

+19.0%Year to date+11.2%

1.9%Yield0.9%

+24.0%Past year+14.3%

0.03%Fee0.21%

4–0VTV wins

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

VTV vs SCHV

YTD

VanguardVTV

+19.0%

SCHVSchwab

+16.6%

+19.0%Year to date+16.6%

1.9%Yield1.8%

$184BAssets$15.9B

2–0VTV wins

End-of-day Nov 5, 2026

VOO vs IVV

YTD

VanguardVOO

+8.4%

IVViShares

+8.4%

+8.4%Year to date+8.4%

1.1%Yield1.1%

$1.00TAssets$887B

0–0level

End-of-day Nov 5, 2026