Compare · 4 funds side by side · dividends reinvested

HAPI, DFAC, VTI and VUG

HAPIHarbor×DFACDimensional×VTIVanguard×VUGVanguard×

Story of the four · Growth5Y$10,000 five years agoDividends reinvested · all four on one scale$16,525DFAC · best of the four

02 / 04

HAPI, DFAC, VTI 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%$85.7B2.0

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%$689B2.3

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%$503M2.3

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 · VTI 2001 · VUG 2004

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 VTI

YTD

DimensionalDFAC

+11.4%

VTIVanguard

+8.9%

+11.4%Year to date+8.9%

−8.5%Worst drop · 1Y−8.9%

12.9%Volatility · 1Y13.7%

0.9%Yield1.1%

$85.7BAssets$689B

3–1DFAC wins

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

Cost, Income and Risk

Fees: HAPI, DFAC, VTI, VUG

Today

0.03%lowest, VTI

FundExpense ratioFee$10k

VTI0.03%$3

VUG0.03%$3

DFAC0.21%$21

HAPI0.35%$35

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

Yields: HAPI, DFAC, VTI, VUG

1.09%highest, VTI

FundTrailing yieldYield$10k

VTI1.09%$109

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

$106most kept, VTI

VTI$109 − $3 = $106

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, VTI, VUG

Today

72.6%most shared, DFAC and VTI

HAPIDFACVTIVUG

HAPI—42.0%46.0%43.6%

DFAC42.0%—72.6%35.7%

VTI46.0%72.6%—52.8%

VUG43.6%35.7%52.8%—

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

VTIWorst drop−8.9%13.7% 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

VTIDFAC

+8.9%Year to date+11.4%

1.1%Yield0.9%

+9.9%Past year+13.8%

0.03%Fee0.21%

2–2level

End-of-day Nov 6, 2026

Popular Pairs Near These Four

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

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