Compare · 4 funds side by side · dividends reinvested

HAPI, IWF, VTI and IJR

HAPIHarbor×IWFiShares×VTIVanguard×IJRiShares×

Story of the four · Growth5Y$10,000 five years agoDividends reinvested · all four on one scale$16,697VTI · best of the four

02 / 04

HAPI, IWF, VTI and IJR, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

Vanguard Morningstar Total Stock Market ETFLow-Cost Core · Total US market0.03%1.06%+11.6%+13.9%+21.8%+10.8%−8.9%13.9%$689B1.8

iShares Core S&P Small-Cap ETFUS Stock Styles · Small cap0.06%1.21%+18.9%+22.8%+17.4%+5.8%−9.7%16.4%$104B2.3

Harbor Human Capital Factor US Large Cap ETF (HAPI)US Stock Styles · Large cap0.35%0.78%+10.6%+13.6%+21.9%[…]−8.1%12.9%$483M2.3

iShares Russell 1000 Growth ETFUS Stock Styles · Growth0.18%0.38%−2.5%−2.2%+19.8%+9.7%−14.6%19.5%$115B3.5

Rank among the four1st → 4thFee, drop and volatility: lower ranks higherAvg rank: mean of the 8 ranks · 1 is best

End-of-day Nov 9, 2026 · returns include dividends · since: HAPI 2022 · IWF 2000 · VTI 2001 · IJR 2000

Head to Head

Swap sides Versus in desk

Head to Head

Harbor Human Capital Factor US Large Cap ETF (HAPI) · $483M[…]

HAPI

IWF

iShares Russell 1000 Growth ETF · $115B$15,892

$10,000 five years ago, dividends reinvested · they hold 44.0% in common

HAPIMeasureIWF

+10.6%Year to dateJan 1 → Nov 9−2.5%

+13.6%1 yearTotal return−2.2%

+21.9%3 years · per year$10,000 became $18,105 · $17,207+19.8%

[…]5 years · per year$10,000 became […] · $15,892+9.7%

0.35%Expense ratio$35 · $18 a year on $10k · lower is better0.18%

0.78%Trailing 12-mo yield$78 · $38 a year on $10k0.38%

−8.1%Worst dropSmaller is better−14.6%

12.9%VolatilityLower is calmer19.5%

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

6–1HAPI wins

End-of-day Nov 9, 2026 · returns include dividends · 3Y and 5Y figures are per-year returns

More Ways to See the Pairs

HAPI vs IWF: Top 5 Holdings

Today

HAPI

27.5%in top 5

IWF

in top 539.7%

HAPIStockIWF

4.7%NVDA14.3%

6.2%AAPL8.8%

6.1%MSFT6.5%

6.0%AMZNnot top 5

not top 5GOOGL5.5%

not top 5AVGO4.5%

4.4%METAnot top 5

Held in common44.0%

End-of-day Nov 9, 2026 · share of each fund

HAPI vs IWF Returns, Every Period

HarborHAPI

+13.6%

past year

IWFiShares

−2.2%

past year

HAPIIWFFaded: behind in that period

3–0HAPI wins

End-of-day Nov 9, 2026 · dividends in · faded = behind in that period

HAPI vs IJR

YTD

HarborHAPI

+10.6%

IJRiShares

+18.9%

+10.6%Year to date+18.9%

−8.1%Worst drop · 1Y−9.7%

12.9%Volatility · 1Y16.4%

0.8%Yield1.2%

$483MAssets$104B

2–2level

End-of-day Nov 9, 2026 · smaller drop and lower volatility win

Cost, Income and Risk

Fees: HAPI, IWF, VTI, IJR

Today

0.03%lowest, VTI

FundExpense ratioFee$10k

VTI0.03%$3

IJR0.06%$6

IWF0.18%$18

HAPI0.35%$35

End-of-day Nov 9, 2026 · fee on $10,000 a year

Yields: HAPI, IWF, VTI, IJR

1.21%highest, IJR

FundTrailing yieldYield$10k

IJR1.21%$121

VTI1.06%$106

HAPI0.78%$78

IWF0.38%$38

End-of-day Nov 9, 2026 · trailing 12-month yield

Income After Fees on $10,000

$115most kept, IJR

IJR$121 − $6 = $115

VTI$106 − $3 = $103

HAPI$78 − $35 = $43

IWF$38 − $18 = $20

KeptFee

End-of-day Nov 9, 2026 · yield in dollars minus the fee

Overlap: HAPI, IWF, VTI, IJR

Today

55.8%most shared, IWF and VTI

HAPIIWFVTIIJR

HAPI—44.0%46.1%0.1%

IWF44.0%—55.8%0.1%

VTI46.1%55.8%—2.2%

IJR0.1%0.1%2.2%—

End-of-day Nov 9, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 4 ETFs

+22.8%IJR, at 16.4% volatility

HAPIWorst drop−8.1%12.9% vol

VTIWorst drop−8.9%13.9% vol

IJRWorst drop−9.7%16.4% vol

IWFWorst drop−14.6%19.5% vol

End-of-day Nov 9, 2026 · up and left is better

Paid More vs Made More

YTD

IJRVTI

+18.9%Year to date+11.6%

1.2%Yield1.1%

+22.8%Past year+13.9%

0.06%Fee0.03%

3–1IJR wins

End-of-day Nov 9, 2026

Popular Pairs Near These Four

VTI vs ITOT

YTD

VanguardVTI

+11.6%

ITOTiShares

+11.5%

+11.6%Year to date+11.5%

1.1%Yield1.0%

$689BAssets$93.2B

2–0VTI wins

End-of-day Nov 9, 2026

VUG vs SCHG

YTD

VanguardVUG

+4.2%

SCHGSchwab

+4.8%

+4.2%Year to date+4.8%

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

$233BAssets$59.7B

1–1level

End-of-day Nov 9, 2026

SCHD vs VIG

YTD

SchwabSCHD

+33.2%

VIGVanguard

+14.8%

+33.2%Year to date+14.8%

3.0%Yield1.5%

$120BAssets$109B

2–0SCHD wins

End-of-day Nov 9, 2026