Compare · 4 funds side by side · dividends reinvested

HAPI, SCHD, VO and IJR

HAPIHarbor×SCHDSchwab×VOVanguard×IJRiShares×

Story of the four · Growth5Y$10,000 five years agoDividends reinvested · all four on one scale$16,375SCHD · best of the four

02 / 04

HAPI, SCHD, VO and IJR, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

Schwab U.S. Dividend Equity ETFIncome · Dividend stocks0.06%2.98%+32.3%+38.7%+20.3%+10.4%−6.9%11.7%$120B1.3

Vanguard Morningstar Mid-Cap ETFUS Stock Styles · Mid cap0.03%1.39%+10.7%+12.4%+18.9%+6.4%−8.2%12.9%$103B2.5

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%$503M3.0

iShares Core S&P Small-Cap ETFUS Stock Styles · Small cap0.06%1.24%+15.4%+19.4%+17.4%+5.6%−9.7%16.3%$104B3.0

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 · SCHD 2011 · VO 2004 · IJR 2000

Head to Head

Swap sides Versus in desk

Head to Head

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

HAPI

Vanguard Morningstar Mid-Cap ETF · $103B$13,616

$10,000 five years ago, dividends reinvested · they hold 13.5% in common

HAPIMeasureVO

+8.2%Year to dateJan 1 → Nov 5+10.7%

+10.5%1 yearTotal return+12.4%

+22.1%3 years · per year$10,000 became $18,219 · $16,795+18.9%

[…]5 years · per year$10,000 became […] · $13,616+6.4%

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

0.80%Trailing 12-mo yield$80 · $139 a year on $10k1.39%

−8.1%Worst dropSmaller is better−8.2%

12.8%VolatilityLower is calmer12.9%

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

3–4VO wins

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 VO: Top 5 Holdings

Today

HAPI

27.4%in top 5

in top 55.3%

HAPIStockVO

6.2%MSFTnot top 5

6.1%AAPLnot top 5

5.9%AMZNnot top 5

4.9%NVDAnot top 5

4.4%METAnot top 5

not top 5NET1.1%

not top 5VLO1.1%

not top 5MPC1.1%

not top 5PSX1.0%

not top 5PWR1.0%

Held in common13.5%

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

HAPI vs VO Returns, Every Period

HarborHAPI

+10.5%

past year

VOVanguard

+12.4%

past year

HAPIVOFaded: behind in that period

1–2VO wins

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

Stocks vs Income: HAPI vs SCHD

YTD

HarborHAPI

+8.2%

SCHDSchwab

+32.3%

+8.2%Year to date+32.3%

−8.1%Worst drop · 1Y−6.9%

12.8%Volatility · 1Y11.7%

0.8%Yield3.0%

$503MAssets$120B

4–0SCHD wins

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

Cost, Income and Risk

Fees: HAPI, SCHD, VO, IJR

Today

0.03%lowest, VO

FundExpense ratioFee$10k

VO0.03%$3

SCHD0.06%$6

IJR0.06%$6

HAPI0.35%$35

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

Yields: HAPI, SCHD, VO, IJR

2.98%highest, SCHD

FundTrailing yieldYield$10k

SCHD2.98%$298

VO1.39%$139

IJR1.24%$124

HAPI0.80%$80

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

Income After Fees on $10,000

$292most kept, SCHD

SCHD$298 − $6 = $292

VO$139 − $3 = $136

IJR$124 − $6 = $118

HAPI$80 − $35 = $45

KeptFee

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

Overlap: HAPI, SCHD, VO, IJR

Today

13.5%most shared, HAPI and VO

HAPISCHDVOIJR

HAPI—9.5%13.5%0.1%

SCHD9.5%—6.9%1.2%

VO13.5%6.9%—0.0%

IJR0.1%1.2%0.0%—

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

Return vs Bumpiness: 4 ETFs

+38.7%SCHD, at 11.7% volatility

SCHDWorst drop−6.9%11.7% vol

HAPIWorst drop−8.1%12.8% vol

VOWorst drop−8.2%12.9% vol

IJRWorst drop−9.7%16.3% vol

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

Paid More vs Made More

YTD

SCHDIJR

+32.3%Year to date+15.4%

3.0%Yield1.2%

+38.7%Past year+19.4%

0.06%Fee0.06%

3–0SCHD wins

End-of-day Nov 5, 2026

Popular Pairs Near These Four

SCHD vs VIG

YTD

SchwabSCHD

+32.3%

VIGVanguard

+12.5%

+32.3%Year to date+12.5%

3.0%Yield1.5%

$120BAssets$109B

2–0SCHD wins

End-of-day Nov 5, 2026

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+8.5%

JEPIJ.P. Morgan

+5.2%

+8.5%Year to date+5.2%

12.2%Yield8.1%

$42.6BAssets$46.8B

2–0JEPQ wins

End-of-day Nov 5, 2026

SPYM vs SPY

YTD

SPDRSPYM

+8.4%

SPYSPDR

+8.3%

+8.4%Year to date+8.3%

1.1%Yield1.0%

$182BAssets$819B

2–0SPYM wins

End-of-day Nov 5, 2026