Compare · 4 funds side by side · dividends reinvested

HAPI, SPY, VO and IVV

HAPIHarbor×SPYSPDR×VOVanguard×IVViShares×

Story of the four · Growth5Y$10,000 five years agoDividends reinvested · all four on one scale$17,151IVV · best of the four

02 / 04

HAPI, SPY, VO and IVV, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

Vanguard Morningstar Mid-Cap ETFUS Stock Styles · Mid cap0.03%1.39%+10.7%+12.4%+18.9%+6.4%−8.2%12.9%$103B1.9

iShares Core S&P 500 ETFLow-Cost Core · S&P 5000.03%1.14%+8.4%+9.7%+22.1%+11.4%−8.9%13.6%$887B2.3

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%$503M2.6

State Street SPDR S&P 500 ETFLow-Cost Core · S&P 5000.09%1.03%+8.3%+9.7%+22.0%+11.3%−8.9%13.6%$805B3.0

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 · SPY 1993 · VO 2004 · IVV 2000

Head to Head

Swap sides Versus in desk

Head to Head

iShares Core S&P 500 ETF · $887B$17,151

IVV

HAPI

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

$10,000 five years ago, dividends reinvested · they hold 50.6% in common

IVVMeasureHAPI

+8.4%Year to dateJan 1 → Nov 5+8.2%

+9.7%1 yearTotal return+10.5%

+22.1%3 years · per year$10,000 became $18,221 · $18,219+22.1%

+11.4%5 years · per year$10,000 became $17,151 · […][…]

0.03%Expense ratio$3 · $35 a year on $10k · lower is better0.35%

1.14%Trailing 12-mo yield$114 · $80 a year on $10k0.80%

−8.9%Worst dropSmaller is better−8.1%

13.6%VolatilityLower is calmer12.8%

IVVHAPI 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

IVV vs HAPI: Top 5 Holdings

Today

IVV

27.7%in top 5

HAPI

in top 527.4%

IVVStockHAPI

7.7%AAPL6.1%

7.3%NVDA4.9%

6.2%MSFT6.2%

3.9%AMZN5.9%

not top 5META4.4%

2.6%GOOGLnot top 5

Held in common50.6%

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

IVV vs HAPI Returns, Every Period

iSharesIVV

+9.7%

past year

HAPIHarbor

+10.5%

past year

IVVHAPIFaded: behind in that period

1–1Level

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

Core vs Stocks: IVV vs VO

YTD

iSharesIVV

+8.4%

VOVanguard

+10.7%

+8.4%Year to date+10.7%

−8.9%Worst drop · 1Y−8.2%

13.6%Volatility · 1Y12.9%

1.1%Yield1.4%

$887BAssets$103B

4–0VO wins

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

Cost, Income and Risk

Fees: HAPI, SPY, VO, IVV

Today

0.03%lowest, VO

FundExpense ratioFee$10k

VO0.03%$3

IVV0.03%$3

SPY0.09%$9

HAPI0.35%$35

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

Yields: HAPI, SPY, VO, IVV

1.39%highest, VO

FundTrailing yieldYield$10k

VO1.39%$139

IVV1.14%$114

SPY1.03%$103

HAPI0.80%$80

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

Income After Fees on $10,000

$136most kept, VO

VO$139 − $3 = $136

IVV$114 − $3 = $111

SPY$103 − $9 = $94

HAPI$80 − $35 = $45

KeptFee

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

Overlap: HAPI, SPY, VO, IVV

Today

99.9%most shared, SPY and IVV

HAPISPYVOIVV

HAPI—50.6%13.5%50.6%

SPY50.6%—16.0%99.9%

VO13.5%16.0%—16.0%

IVV50.6%99.9%16.0%—

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

Return vs Bumpiness: 4 ETFs

+12.4%VO, at 12.9% volatility

HAPIWorst drop−8.1%12.8% vol

VOWorst drop−8.2%12.9% vol

SPYWorst drop−8.9%13.6% vol

IVVWorst drop−8.9%13.6% vol

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

Paid More vs Made More

YTD

VOIVV

+10.7%Year to date+8.4%

1.4%Yield1.1%

+12.4%Past year+9.7%

0.03%Fee0.03%

3–0VO 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

VOO vs IVV

YTD

VanguardVOO

+8.4%

IVViShares

+8.4%

+8.4%Year to date+8.4%

1.1%Yield1.1%

$1.00TAssets$887B

0–0level

End-of-day Nov 5, 2026

SCHD vs VIG

YTD

SchwabSCHD

+32.3%

VIGVanguard

+12.5%

+32.3%Year to date+12.5%

3.0%Yield1.5%

$123BAssets$109B

2–0SCHD wins

End-of-day Nov 5, 2026