Compare · 3 funds side by side · dividends reinvested

HAPI, QQQ and VTI

Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$18,763QQQ · best of the three

02 / 04

HAPI, QQQ and VTI, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

Vanguard Morningstar Total Stock Market ETFLow-Cost Core · Total US market0.03%1.05%+13.4%+13.5%+24.0%+11.5%−8.9%13.1%$689B1.6

Harbor Human Capital Factor US Large Cap ETF (HAPI)US Stock Styles · Large cap0.35%0.77%+12.3%+13.6%+23.9%[…]−8.1%12.2%$503M2.0

Invesco QQQ Trust, Series 1Low-Cost Core · Nasdaq-1000.18%0.45%+13.0%+10.0%+26.3%+13.4%−11.7%20.3%$465B2.3

Rank among the three1st → 3rdFee, drop and volatility: lower ranks higherAvg rank: mean of the 8 ranks · 1 is best

End-of-day Nov 4, 2026 · returns include dividends · since: HAPI 2022 · QQQ 1999 · VTI 2001

Head to Head

Swap sides Versus in desk

Head to Head

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

HAPI

VTI

Vanguard Morningstar Total Stock Market ETF · $689B$17,257

$10,000 five years ago, dividends reinvested · they hold 46.2% in common

HAPIMeasureVTI

+12.3%Year to dateJan 1 → Nov 4+13.4%

+13.6%1 yearTotal return+13.5%

+23.9%3 years · per year$10,000 became $19,002 · $19,059+24.0%

[…]5 years · per year$10,000 became […] · $17,257+11.5%

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

0.77%Trailing 12-mo yield$77 · $105 a year on $10k1.05%

−8.1%Worst dropSmaller is better−8.9%

12.2%VolatilityLower is calmer13.1%

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

3–4VTI wins

End-of-day Nov 4, 2026 · returns include dividends · 3Y and 5Y figures are per-year returns

More Ways to See the Pairs

HAPI vs VTI: Top 5 Holdings

Today

HAPI

27.0%in top 5

VTI

in top 525.0%

HAPIStockVTI

5.1%NVDA7.1%

5.9%AAPL6.6%

5.9%MSFT5.2%

5.7%AMZN3.3%

4.4%METAnot top 5

not top 5GOOGL2.8%

Held in common46.2%

End-of-day Nov 4, 2026 · share of each fund

HAPI vs VTI Returns, Every Period

HarborHAPI

+13.6%

past year

VTIVanguard

+13.5%

past year

HAPIVTIFaded: behind in that period

1–2VTI wins

End-of-day Nov 4, 2026 · dividends in · faded = behind in that period

Stocks vs Core: HAPI vs VTI

YTD

HarborHAPI

+12.3%

VTIVanguard

+13.4%

+12.3%Year to date+13.4%

−8.1%Worst drop · 1Y−8.9%

12.2%Volatility · 1Y13.1%

0.8%Yield1.0%

$503MAssets$689B

2–2level

End-of-day Nov 4, 2026 · smaller drop and lower volatility win

Cost, Income and Risk

Fees: HAPI, QQQ, VTI

Today

0.03%lowest, VTI

FundExpense ratioFee$10k

VTI0.03%$3

QQQ0.18%$18

HAPI0.35%$35

End-of-day Nov 4, 2026 · fee on $10,000 a year

Yields: HAPI, QQQ, VTI

1.05%highest, VTI

FundTrailing yieldYield$10k

VTI1.05%$105

HAPI0.77%$77

QQQ0.45%$45

End-of-day Nov 4, 2026 · trailing 12-month yield

Income After Fees on $10,000

$102most kept, VTI

VTI$105 − $3 = $102

HAPI$77 − $35 = $42

QQQ$45 − $18 = $27

KeptFee

End-of-day Nov 4, 2026 · yield in dollars minus the fee

Overlap: HAPI, QQQ, VTI

Today

49.8%most shared, QQQ and VTI

HAPIQQQVTI

HAPI—41.2%46.2%

QQQ41.2%—49.8%

VTI46.2%49.8%—

End-of-day Nov 4, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 3 ETFs

+13.6%HAPI, at 12.2% volatility

HAPIWorst drop−8.1%12.2% vol

VTIWorst drop−8.9%13.1% vol

QQQWorst drop−11.7%20.3% vol

End-of-day Nov 4, 2026 · up and left is better

Paid More vs Made More

YTD

VTIQQQ

+13.4%Year to date+13.0%

1.0%Yield0.4%

+13.5%Past year+10.0%

0.03%Fee0.18%

4–0VTI wins

End-of-day Nov 4, 2026

Popular Pairs Near These Three

QQQM vs QQQ

YTD

InvescoQQQM

+13.1%

QQQInvesco

+13.0%

+13.1%Year to date+13.0%

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

$106BAssets$465B

2–0QQQM wins

End-of-day Nov 4, 2026

VTI vs ITOT

YTD

VanguardVTI

+13.4%

ITOTiShares

+13.3%

+13.4%Year to date+13.3%

1.0%Yield1.0%

$689BAssets$97.0B

1–0VTI wins

End-of-day Nov 4, 2026

TQQQ vs QQQ

YTD

ProSharesTQQQ

+18.8%

QQQInvesco

+13.0%

+18.8%Year to date+13.0%

0.94% · $94Fee · on $10k a year0.18% · $18

$33.2BAssets$465B

1–1level

End-of-day Nov 4, 2026