Compare · 4 funds side by side · dividends reinvested

HAPI, SPYM, QQQ and SPY

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, SPYM, QQQ and SPY, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

State Street SPDR Portfolio S&P 500 ETFLow-Cost Core · S&P 5000.02%1.03%+11.3%+13.6%+22.0%+11.9%−8.9%13.7%$179B1.8

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%$483M2.6

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 · SPYM 2005 · QQQ 1999 · SPY 1993

Head to Head

Swap sides Versus in desk

Head to Head

State Street SPDR Portfolio S&P 500 ETF · $179B$17,553

SPYM

HAPI

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

$10,000 five years ago, dividends reinvested · they hold 50.8% in common

SPYMMeasureHAPI

+11.3%Year to dateJan 1 → Nov 9+10.6%

+13.6%1 yearTotal return+13.6%

+22.0%3 years · per year$10,000 became $18,161 · $18,105+21.9%

+11.9%5 years · per year$10,000 became $17,553 · […][…]

0.02%Expense ratio$2 · $35 a year on $10k · lower is better0.35%

1.03%Trailing 12-mo yield$103 · $78 a year on $10k0.78%

−8.9%Worst dropSmaller is better−8.1%

13.7%VolatilityLower is calmer12.9%

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

4–2SPYM wins

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

More Ways to See the Pairs

SPYM vs HAPI: Top 5 Holdings

Today

SPYM

27.8%in top 5

HAPI

in top 527.5%

SPYMStockHAPI

7.9%AAPL6.2%

7.1%NVDA4.7%

6.2%MSFT6.1%

4.0%AMZN6.0%

not top 5META4.4%

2.6%GOOGLnot top 5

Held in common50.8%

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

SPYM vs HAPI Returns, Every Period

SPDRSPYM

+13.6%

past year

HAPIHarbor

+13.6%

past year

SPYMHAPIFaded: behind in that period

2–0SPYM wins

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

SPYM vs SPY

YTD

SPDRSPYM

+11.3%

SPYSPDR

+11.2%

+11.3%Year to date+11.2%

−8.9%Worst drop · 1Y−8.9%

13.7%Volatility · 1Y13.7%

1.0%Yield1.0%

$179BAssets$778B

1–0SPYM wins

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

Cost, Income and Risk

Fees: HAPI, SPYM, QQQ, SPY

Today

0.02%lowest, SPYM

FundExpense ratioFee$10k

SPYM0.02%$2

SPY0.09%$9

QQQ0.18%$18

HAPI0.35%$35

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

Yields: HAPI, SPYM, QQQ, SPY

1.03%highest, SPYM

FundTrailing yieldYield$10k

SPYM1.03%$103

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

$101most kept, SPYM

SPYM$103 − $2 = $101

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, SPYM, QQQ, SPY

Today

99.9%most shared, SPYM and SPY

HAPISPYMQQQSPY

HAPI—50.8%41.8%50.7%

SPYM50.8%—52.4%99.9%

QQQ41.8%52.4%—52.4%

SPY50.7%99.9%52.4%—

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

Return vs Bumpiness: 4 ETFs

+13.6%HAPI, at 12.9% volatility

HAPIWorst drop−8.1%12.9% vol

SPYMWorst drop−8.9%13.7% 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

SPYMSPY

+11.3%Year to date+11.2%

1.0%Yield1.0%

+13.6%Past year+13.5%

0.02%Fee0.09%

3–0SPYM wins

End-of-day Nov 9, 2026

Popular Pairs Near These Four

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

TQQQ vs QQQ

YTD

ProSharesTQQQ

+9.9%

QQQInvesco

+11.0%

+9.9%Year to date+11.0%

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

$29.1BAssets$446B

2–0QQQ wins

End-of-day Nov 9, 2026

SCHD vs VIG

YTD

SchwabSCHD

+33.2%

VIGVanguard

+14.8%

+33.2%Year to date+14.8%

3.0%Yield1.5%

$120BAssets$109B

2–0SCHD wins

End-of-day Nov 9, 2026