Compare · 4 funds side by side · dividends reinvested

HAPI, QQQ, SPY and VUG

HAPIHarbor×QQQInvesco×SPYSPDR×VUGVanguard×

Story of the four · Growth5Y$10,000 five years agoDividends reinvested · all four on one scale$17,509QQQ · best of the four

02 / 04

HAPI, QQQ, SPY and VUG, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

State Street SPDR S&P 500 ETFLow-Cost Core · S&P 5000.09%1.03%+8.7%+9.7%+21.7%+11.3%−8.9%13.6%$819B1.9

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%$484M2.1

Invesco QQQ Trust, Series 1Low-Cost Core · Nasdaq-1000.18%0.47%+7.2%+5.8%+23.2%+11.9%−14.8%21.3%$469B2.6

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 · QQQ 1999 · SPY 1993 · VUG 2004

Head to Head

Swap sides Versus in desk

Head to Head

Harbor Human Capital Factor US Large Cap ETF (HAPI) · $484M[…]

HAPI

QQQ

Invesco QQQ Trust, Series 1 · $469B$17,509

$10,000 five years ago, dividends reinvested · they hold 41.9% in common

HAPIMeasureQQQ

+8.0%Year to dateJan 1 → Nov 6+7.2%

+9.9%1 yearTotal return+5.8%

+21.7%3 years · per year$10,000 became $18,006 · $18,694+23.2%

[…]5 years · per year$10,000 became […] · $17,509+11.9%

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

0.80%Trailing 12-mo yield$80 · $47 a year on $10k0.47%

−8.1%Worst dropSmaller is better−14.8%

12.7%VolatilityLower is calmer21.3%

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

5–2HAPI wins

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

More Ways to See the Pairs

HAPI vs QQQ: Top 5 Holdings

Today

HAPI

27.4%in top 5

QQQ

in top 531.6%

HAPIStockQQQ

6.2%AAPL8.7%

4.6%NVDA7.6%

6.2%MSFT6.9%

6.0%AMZN4.9%

4.4%METAnot top 5

not top 5MU3.5%

Held in common41.9%

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

HAPI vs QQQ Returns, Every Period

HarborHAPI

+9.9%

past year

QQQInvesco

+5.8%

past year

HAPIQQQFaded: behind in that period

2–1HAPI wins

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

Stocks vs Core: HAPI vs SPY

YTD

HarborHAPI

+8.0%

SPYSPDR

+8.7%

+8.0%Year to date+8.7%

−8.1%Worst drop · 1Y−8.9%

12.7%Volatility · 1Y13.6%

0.8%Yield1.0%

$484MAssets$819B

2–2level

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

Cost, Income and Risk

Fees: HAPI, QQQ, SPY, VUG

Today

0.03%lowest, VUG

FundExpense ratioFee$10k

VUG0.03%$3

SPY0.09%$9

QQQ0.18%$18

HAPI0.35%$35

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

Yields: HAPI, QQQ, SPY, VUG

1.03%highest, SPY

FundTrailing yieldYield$10k

SPY1.03%$103

HAPI0.80%$80

QQQ0.47%$47

VUG0.42%$42

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

Income After Fees on $10,000

$94most kept, SPY

SPY$103 − $9 = $94

HAPI$80 − $35 = $45

VUG$42 − $3 = $39

QQQ$47 − $18 = $29

KeptFee

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

Overlap: HAPI, QQQ, SPY, VUG

Today

61.3%most shared, QQQ and VUG

HAPIQQQSPYVUG

HAPI—41.9%50.8%43.6%

QQQ41.9%—52.1%61.3%

SPY50.8%52.1%—54.8%

VUG43.6%61.3%54.8%—

End-of-day Nov 6, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 4 ETFs

+9.9%HAPI, at 12.7% volatility

HAPIWorst drop−8.1%12.7% vol

SPYWorst drop−8.9%13.6% vol

VUGWorst drop−15.1%19.0% vol

QQQWorst drop−14.8%21.3% vol

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

Paid More vs Made More

YTD

SPYHAPI

+8.7%Year to date+8.0%

1.0%Yield0.8%

+9.7%Past year+9.9%

0.09%Fee0.35%

3–1SPY wins

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

QQQM vs QQQ

YTD

InvescoQQQM

+7.2%

QQQInvesco

+7.2%

+7.2%Year to date+7.2%

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

$107BAssets$469B

1–0QQQM 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$59.7B

1–1level

End-of-day Nov 6, 2026