Compare · 4 funds side by side · dividends reinvested

HAPI, VOO, VO and VTI

HAPIHarbor×VOOVanguard×VOVanguard×VTIVanguard×

Story of the four · Growth5Y$10,000 five years agoDividends reinvested · all four on one scale$17,156VOO · best of the four

02 / 04

HAPI, VOO, VO and VTI, 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

Vanguard S&P 500 ETFLow-Cost Core · S&P 5000.03%1.10%+8.4%+9.8%+22.1%+11.4%−8.9%13.5%$1.00T2.3

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

Vanguard Morningstar Total Stock Market ETFLow-Cost Core · Total US market0.03%1.10%+8.4%+9.9%+21.9%+10.3%−8.9%13.7%$689B2.8

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 · VOO 2010 · VO 2004 · VTI 2001

Head to Head

Swap sides Versus in desk

Head to Head

Vanguard S&P 500 ETF · $1.00T$17,156

VOO

HAPI

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

$10,000 five years ago, dividends reinvested · they hold 49.9% in common

VOOMeasureHAPI

+8.4%Year to dateJan 1 → Nov 5+8.2%

+9.8%1 yearTotal return+10.5%

+22.1%3 years · per year$10,000 became $18,224 · $18,219+22.1%

+11.4%5 years · per year$10,000 became $17,156 · […][…]

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

1.10%Trailing 12-mo yield$110 · $80 a year on $10k0.80%

−8.9%Worst dropSmaller is better−8.1%

13.5%VolatilityLower is calmer12.8%

VOOHAPI 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

VOO vs HAPI: Top 5 Holdings

Today

VOO

28.3%in top 5

HAPI

in top 527.4%

VOOStockHAPI

8.4%NVDA4.9%

7.4%AAPL6.1%

5.8%MSFT6.2%

3.7%AMZN5.9%

not top 5META4.4%

3.1%GOOGLnot top 5

Held in common49.9%

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

VOO vs HAPI Returns, Every Period

VanguardVOO

+9.8%

past year

HAPIHarbor

+10.5%

past year

VOOHAPIFaded: behind in that period

1–1Level

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

Core vs Stocks: VOO vs VO

YTD

VanguardVOO

+8.4%

VOVanguard

+10.7%

+8.4%Year to date+10.7%

−8.9%Worst drop · 1Y−8.2%

13.5%Volatility · 1Y12.9%

1.1%Yield1.4%

$1.00TAssets$103B

4–0VO wins

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

Cost, Income and Risk

Fees: HAPI, VOO, VO, VTI

Today

0.03%lowest, VOO

FundExpense ratioFee$10k

VOO0.03%$3

VO0.03%$3

VTI0.03%$3

HAPI0.35%$35

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

Yields: HAPI, VOO, VO, VTI

1.39%highest, VO

FundTrailing yieldYield$10k

VO1.39%$139

VOO1.10%$110

VTI1.10%$110

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

VOO$110 − $3 = $107

VTI$110 − $3 = $107

HAPI$80 − $35 = $45

KeptFee

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

Overlap: HAPI, VOO, VO, VTI

Today

89.0%most shared, VOO and VTI

HAPIVOOVOVTI

HAPI—49.9%13.5%46.2%

VOO49.9%—15.4%89.0%

VO13.5%15.4%—15.0%

VTI46.2%89.0%15.0%—

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

VOOWorst drop−8.9%13.5% vol

VTIWorst drop−8.9%13.7% vol

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

Paid More vs Made More

YTD

VOVTI

+10.7%Year to date+8.4%

1.4%Yield1.1%

+12.4%Past year+9.9%

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$819B

2–0SPYM wins

End-of-day Nov 5, 2026

VTI vs ITOT

YTD

VanguardVTI

+8.4%

ITOTiShares

+8.4%

+8.4%Year to date+8.4%

1.1%Yield1.1%

$689BAssets$92.8B

0–0level

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$850B

0–0level

End-of-day Nov 5, 2026