Compare · 4 funds side by side · dividends reinvested

HAPI, VTI, IWF and VUG

HAPIHarbor×VTIVanguard×IWFiShares×VUGVanguard×

Story of the four · Growth5Y$10,000 five years agoDividends reinvested · all four on one scale$16,332VTI · best of the four

02 / 04

HAPI, VTI, IWF and VUG, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

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%$689B1.6

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%$503M1.9

Vanguard Morningstar Growth ETFUS Stock Styles · Growth0.03%0.43%+0.5%−0.6%+22.8%+9.9%−15.1%19.0%$233B2.5

iShares Russell 1000 Growth ETFUS Stock Styles · Growth0.18%0.39%−6.5%−7.6%+19.5%+8.9%−14.6%19.3%$121B3.6

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 · VTI 2001 · IWF 2000 · VUG 2004

Head to Head

Swap sides Versus in desk

Head to Head

Vanguard Morningstar Total Stock Market ETF · $689B$16,332

VTI

HAPI

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

$10,000 five years ago, dividends reinvested · they hold 46.2% in common

VTIMeasureHAPI

+8.4%Year to dateJan 1 → Nov 5+8.2%

+9.9%1 yearTotal return+10.5%

+21.9%3 years · per year$10,000 became $18,113 · $18,219+22.1%

+10.3%5 years · per year$10,000 became $16,332 · […][…]

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%

13.7%VolatilityLower is calmer12.8%

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

3–4HAPI wins

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

More Ways to See the Pairs

VTI vs HAPI: Top 5 Holdings

Today

VTI

25.0%in top 5

HAPI

in top 527.4%

VTIStockHAPI

7.1%NVDA4.9%

6.6%AAPL6.1%

5.2%MSFT6.2%

3.3%AMZN5.9%

not top 5META4.4%

2.8%GOOGLnot top 5

Held in common46.2%

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

VTI vs HAPI Returns, Every Period

VanguardVTI

+9.9%

past year

HAPIHarbor

+10.5%

past year

VTIHAPIFaded: behind in that period

1–2HAPI wins

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

Core vs Stocks: VTI vs HAPI

YTD

VanguardVTI

+8.4%

HAPIHarbor

+8.2%

+8.4%Year to date+8.2%

−8.9%Worst drop · 1Y−8.1%

13.7%Volatility · 1Y12.8%

1.1%Yield0.8%

$689BAssets$503M

2–2level

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

Cost, Income and Risk

Fees: HAPI, VTI, IWF, VUG

Today

0.03%lowest, VTI

FundExpense ratioFee$10k

VTI0.03%$3

VUG0.03%$3

IWF0.18%$18

HAPI0.35%$35

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

Yields: HAPI, VTI, IWF, VUG

1.10%highest, VTI

FundTrailing yieldYield$10k

VTI1.10%$110

HAPI0.80%$80

VUG0.43%$43

IWF0.39%$39

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

Income After Fees on $10,000

$107most kept, VTI

VTI$110 − $3 = $107

HAPI$80 − $35 = $45

VUG$43 − $3 = $40

IWF$39 − $18 = $21

KeptFee

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

Overlap: HAPI, VTI, IWF, VUG

Today

78.0%most shared, IWF and VUG

HAPIVTIIWFVUG

HAPI—46.2%43.8%43.9%

VTI46.2%—55.7%52.8%

IWF43.8%55.7%—78.0%

VUG43.9%52.8%78.0%—

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

Return vs Bumpiness: 4 ETFs

+10.5%HAPI, at 12.8% volatility

HAPIWorst drop−8.1%12.8% vol

VTIWorst drop−8.9%13.7% vol

VUGWorst drop−15.1%19.0% vol

IWFWorst drop−14.6%19.3% vol

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

Paid More vs Made More

YTD

VTIHAPI

+8.4%Year to date+8.2%

1.1%Yield0.8%

+9.9%Past year+10.5%

0.03%Fee0.35%

3–1VTI wins

End-of-day Nov 5, 2026

Popular Pairs Near These Four

VTI vs ITOT

YTD

VanguardVTI

+8.4%

ITOTiShares

+8.4%

+8.4%Year to date+8.4%

1.1%Yield1.1%

$689BAssets$97.0B

0–0level

End-of-day Nov 5, 2026

VUG vs SCHG

YTD

VanguardVUG

+0.5%

SCHGSchwab

+0.9%

+0.5%Year to date+0.9%

0.03% · $3Fee · on $10k a year0.04% · $4

$233BAssets$62.5B

1–1level

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