Compare · 4 funds side by side · dividends reinvested

HAPI, IWF, VOO and QQQ

HAPIHarbor×IWFiShares×VOOVanguard×QQQInvesco×

Story of the four · Growth5Y$10,000 five years agoDividends reinvested · all four on one scale$17,352QQQ · best of the four

02 / 04

HAPI, IWF, VOO and QQQ, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

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%$1.00T1.6

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%$503M2.0

Invesco QQQ Trust, Series 1Low-Cost Core · Nasdaq-1000.18%0.48%+5.7%+5.0%+23.3%+11.7%−14.8%21.3%$465B2.6

iShares Russell 1000 Growth ETFUS Stock Styles · Growth0.18%0.39%−6.5%−7.6%+19.5%+8.9%−14.6%19.3%$121B3.4

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 · IWF 2000 · VOO 2010 · QQQ 1999

Head to Head

Swap sides Versus in desk

Head to Head

Harbor Human Capital Factor US Large Cap ETF (HAPI) · $503M[…]

HAPI

VOO

Vanguard S&P 500 ETF · $1.00T$17,156

$10,000 five years ago, dividends reinvested · they hold 49.9% in common

HAPIMeasureVOO

+8.2%Year to dateJan 1 → Nov 5+8.4%

+10.5%1 yearTotal return+9.8%

+22.1%3 years · per year$10,000 became $18,219 · $18,224+22.1%

[…]5 years · per year$10,000 became […] · $17,156+11.4%

0.35%Expense ratio$35 · $3 a year on $10k · lower is better0.03%

0.80%Trailing 12-mo yield$80 · $110 a year on $10k1.10%

−8.1%Worst dropSmaller is better−8.9%

12.8%VolatilityLower is calmer13.5%

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

3–3Level

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

More Ways to See the Pairs

HAPI vs VOO: Top 5 Holdings

Today

HAPI

27.4%in top 5

VOO

in top 528.3%

HAPIStockVOO

4.9%NVDA8.4%

6.1%AAPL7.4%

6.2%MSFT5.8%

5.9%AMZN3.7%

4.4%METAnot top 5

not top 5GOOGL3.1%

Held in common49.9%

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

HAPI vs VOO Returns, Every Period

HarborHAPI

+10.5%

past year

VOOVanguard

+9.8%

past year

HAPIVOOFaded: behind in that period

1–1Level

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

Stocks vs Core: HAPI vs VOO

YTD

HarborHAPI

+8.2%

VOOVanguard

+8.4%

+8.2%Year to date+8.4%

−8.1%Worst drop · 1Y−8.9%

12.8%Volatility · 1Y13.5%

0.8%Yield1.1%

$503MAssets$1.00T

2–2level

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

Cost, Income and Risk

Fees: HAPI, IWF, VOO, QQQ

Today

0.03%lowest, VOO

FundExpense ratioFee$10k

VOO0.03%$3

IWF0.18%$18

QQQ0.18%$18

HAPI0.35%$35

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

Yields: HAPI, IWF, VOO, QQQ

1.10%highest, VOO

FundTrailing yieldYield$10k

VOO1.10%$110

HAPI0.80%$80

QQQ0.48%$48

IWF0.39%$39

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

Income After Fees on $10,000

$107most kept, VOO

VOO$110 − $3 = $107

HAPI$80 − $35 = $45

QQQ$48 − $18 = $30

IWF$39 − $18 = $21

KeptFee

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

Overlap: HAPI, IWF, VOO, QQQ

Today

59.2%most shared, IWF and VOO

HAPIIWFVOOQQQ

HAPI—43.8%49.9%41.6%

IWF43.8%—59.2%58.1%

VOO49.9%59.2%—55.0%

QQQ41.6%58.1%55.0%—

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

Return vs Bumpiness: 4 ETFs

+10.5%HAPI, at 12.8% volatility

HAPIWorst drop−8.1%12.8% vol

VOOWorst drop−8.9%13.5% vol

IWFWorst drop−14.6%19.3% vol

QQQWorst drop−14.8%21.3% vol

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

Paid More vs Made More

YTD

VOOHAPI

+8.4%Year to date+8.2%

1.1%Yield0.8%

+9.8%Past year+10.5%

0.03%Fee0.35%

3–1VOO 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

QQQM vs QQQ

YTD

InvescoQQQM

+5.9%

QQQInvesco

+5.7%

+5.9%Year to date+5.7%

0.15% · $15Fee · on $10k a year0.18% · $18

$106BAssets$465B

2–0QQQM wins

End-of-day Nov 5, 2026

VUG vs SCHG

YTD

VanguardVUG

+0.5%

SCHGSchwab

+0.9%

+0.5%Year to date+0.9%

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

$233BAssets$62.5B

1–1level

End-of-day Nov 5, 2026