Compare · 4 funds side by side · dividends reinvested

HAPI, SPY, VTV and QQQ

HAPIHarbor×SPYSPDR×VTVVanguard×QQQInvesco×

Story of the four · Growth5Y$10,000 five years agoDividends reinvested · all four on one scale$18,068QQQ · best of the four

02 / 04

HAPI, SPY, VTV and QQQ, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

Vanguard Morningstar Value ETFUS Stock Styles · Value0.03%1.83%+20.9%+25.4%+21.0%+12.3%−6.4%10.8%$184B1.5

State Street SPDR S&P 500 ETFLow-Cost Core · S&P 5000.09%1.01%+11.2%+13.5%+21.9%+11.8%−8.9%13.7%$778B2.5

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%$483M2.9

Invesco QQQ Trust, Series 1Low-Cost Core · Nasdaq-1000.18%0.46%+11.0%+11.6%+23.9%+12.6%−14.8%21.5%$446B3.0

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

End-of-day Nov 9, 2026 · returns include dividends · since: HAPI 2022 · SPY 1993 · VTV 2004 · QQQ 1999

Head to Head

Swap sides Versus in desk

Head to Head

Invesco QQQ Trust, Series 1 · $446B$18,068

QQQ

HAPI

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

$10,000 five years ago, dividends reinvested · they hold 41.8% in common

QQQMeasureHAPI

+11.0%Year to dateJan 1 → Nov 9+10.6%

+11.6%1 yearTotal return+13.6%

+23.9%3 years · per year$10,000 became $19,011 · $18,105+21.9%

+12.6%5 years · per year$10,000 became $18,068 · […][…]

0.18%Expense ratio$18 · $35 a year on $10k · lower is better0.35%

0.46%Trailing 12-mo yield$46 · $78 a year on $10k0.78%

−14.8%Worst dropSmaller is better−8.1%

21.5%VolatilityLower is calmer12.9%

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

3–4HAPI wins

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

More Ways to See the Pairs

QQQ vs HAPI: Top 5 Holdings

Today

QQQ

31.4%in top 5

HAPI

in top 527.5%

QQQStockHAPI

8.5%AAPL6.2%

7.7%NVDA4.7%

6.7%MSFT6.1%

4.8%AMZN6.0%

not top 5META4.4%

3.7%MUnot top 5

Held in common41.8%

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

QQQ vs HAPI Returns, Every Period

InvescoQQQ

+11.6%

past year

HAPIHarbor

+13.6%

past year

QQQHAPIFaded: behind in that period

2–1QQQ wins

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

Core vs Stocks: QQQ vs VTV

YTD

InvescoQQQ

+11.0%

VTVVanguard

+20.9%

+11.0%Year to date+20.9%

−14.8%Worst drop · 1Y−6.4%

21.5%Volatility · 1Y10.8%

0.5%Yield1.8%

$446BAssets$184B

4–0VTV wins

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

Cost, Income and Risk

Fees: HAPI, SPY, VTV, QQQ

Today

0.03%lowest, VTV

FundExpense ratioFee$10k

VTV0.03%$3

SPY0.09%$9

QQQ0.18%$18

HAPI0.35%$35

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

Yields: HAPI, SPY, VTV, QQQ

1.83%highest, VTV

FundTrailing yieldYield$10k

VTV1.83%$183

SPY1.01%$101

HAPI0.78%$78

QQQ0.46%$46

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

Income After Fees on $10,000

$180most kept, VTV

VTV$183 − $3 = $180

SPY$101 − $9 = $92

HAPI$78 − $35 = $43

QQQ$46 − $18 = $28

KeptFee

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

Overlap: HAPI, SPY, VTV, QQQ

Today

52.4%most shared, SPY and QQQ

HAPISPYVTVQQQ

HAPI—50.7%35.5%41.8%

SPY50.7%—43.7%52.4%

VTV35.5%43.7%—17.7%

QQQ41.8%52.4%17.7%—

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

Return vs Bumpiness: 4 ETFs

+25.4%VTV, at 10.8% volatility

VTVWorst drop−6.4%10.8% vol

HAPIWorst drop−8.1%12.9% vol

SPYWorst drop−8.9%13.7% vol

QQQWorst drop−14.8%21.5% vol

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

Paid More vs Made More

YTD

VTVSPY

+20.9%Year to date+11.2%

1.8%Yield1.0%

+25.4%Past year+13.5%

0.03%Fee0.09%

4–0VTV wins

End-of-day Nov 9, 2026

Popular Pairs Near These Four

SPYM vs SPY

YTD

SPDRSPYM

+11.3%

SPYSPDR

+11.2%

+11.3%Year to date+11.2%

1.0%Yield1.0%

$179BAssets$778B

1–0SPYM wins

End-of-day Nov 9, 2026

QQQM vs QQQ

YTD

InvescoQQQM

+10.9%

QQQInvesco

+11.0%

+10.9%Year to date+11.0%

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

$103BAssets$446B

1–1level

End-of-day Nov 9, 2026

VTV vs SCHV

YTD

VanguardVTV

+20.9%

SCHVSchwab

+18.7%

+20.9%Year to date+18.7%

1.8%Yield1.8%

$184BAssets$15.4B

1–0VTV wins

End-of-day Nov 9, 2026