Compare · 4 funds side by side · dividends reinvested

HAPI, VTI, SPY and IJR

HAPIHarbor×VTIVanguard×SPYSPDR×IJRiShares×

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Story of the four · Growth5Y$10,000 five years agoDividends reinvested · all four on one scale$17,358SPY · best of the four

Story of the four · IncomeMost incomeIJR · 1.21% · $121 a year on $10k

Story of the four · RiskSmallest drop

HAPI, VTI, SPY and IJR, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

Vanguard Morningstar Total Stock Market ETFLow-Cost Core · Total US market0.03%1.07%+11.2%+13.2%+21.2%+10.6%−8.9%13.9%$689B2.3

State Street SPDR S&P 500 ETFLow-Cost Core · S&P 5000.09%1.01%+10.8%+13.0%+21.4%+11.7%−8.9%13.8%$792B2.4

iShares Core S&P Small-Cap ETFUS Stock Styles · Small cap0.06%1.21%+18.5%+21.3%+16.2%+5.7%−9.7%16.3%$106B2.5

Harbor Human Capital Factor US Large Cap ETF (HAPI)US Stock Styles · Large cap0.35%0.79%+10.1%+13.1%+21.3%[…]−8.1%12.9%$494M2.7

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

End-of-day Nov 10, 2026 · returns include dividends · since: HAPI 2022 · VTI 2001 · SPY 1993 · IJR 2000

Head to Head

Swap sides Versus in desk

Head to Head

5Y

Harbor Human Capital Factor US Large Cap ETF (HAPI) · $494M[…]

HAPI

More Ways to See the Pairs

HAPI vs SPY: Top 5 Holdings

Today

HAPI

27.3%in top 5

SPY

in top 527.3%

HAPIStockSPY

6.2%AAPL7.9%

4.4%NVDA6.6%

6.1%MSFT6.2%

6.1%AMZN4.0%

4.5%

Cost, Income and Risk

Fees: HAPI, VTI, SPY, IJR

Today

0.03%lowest, VTI

FundExpense ratioFee$10k

VTI0.03%$3

IJR0.06%$6

SPY0.09%$9

HAPI0.35%$35

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

Popular Pairs Near These Four

SPYM vs SPY

YTD

SPDRSPYM

+10.9%

SPYSPDR

+10.8%

+10.9%Year to date+10.8%

1.0%Yield1.0%

$183BAssets$792B

1–0SPYM wins

End-of-day Nov 10, 2026

VTI vs ITOT

YTD

VanguardVTI

+11.2%

ITOTiShares

+11.0%

SCHD vs VIG

YTD

SchwabSCHD

+33.8%

VIGVanguard

+15.1%

SPY

State Street SPDR S&P 500 ETF · $792B$17,358

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

HAPIMeasureSPY

+10.1%Year to dateJan 1 → Nov 10+10.8%

+13.1%1 yearTotal return+13.0%

+21.3%3 years · per year$10,000 became $17,837 · $17,888+21.4%

[…]5 years · per year$10,000 became […] · $17,358+11.7%

0.35%Expense ratio$35 · $9 a year on $10k · lower is better0.09%

0.79%Trailing 12-mo yield$79 · $101 a year on $10k1.01%

−8.1%Worst dropSmaller is better−8.9%

12.9%VolatilityLower is calmer13.8%

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

3–4SPY wins

End-of-day Nov 10, 2026 · returns include dividends · 3Y and 5Y figures are per-year returns

HAPI vs SPY Returns, Every Period

1Y

HarborHAPI

+13.1%

past year

SPYSPDR

+13.0%

past year

HAPISPYFaded: behind in that period

1–2SPY wins

End-of-day Nov 10, 2026 · dividends in · faded = behind in that period

HAPI vs IJR

YTD

HarborHAPI

+10.1%

IJRiShares

+18.5%

+10.1%Year to date+18.5%

−8.1%Worst drop · 1Y−9.7%

12.9%Volatility · 1Y16.3%

0.8%Yield1.2%

$494MAssets$106B

2–2level

End-of-day Nov 10, 2026 · smaller drop and lower volatility win

Yields: HAPI, VTI, SPY, IJR

1Y

1.21%highest, IJR

FundTrailing yieldYield$10k

IJR1.21%$121

VTI1.07%$107

SPY1.01%$101

HAPI0.79%$79

End-of-day Nov 10, 2026 · trailing 12-month yield

Income After Fees on $10,000

1Y

$115most kept, IJR

IJR$121 − $6 = $115

VTI$107 − $3 = $104

SPY$101 − $9 = $92

HAPI$79 − $35 = $44

KeptFee

End-of-day Nov 10, 2026 · yield in dollars minus the fee

Overlap: HAPI, VTI, SPY, IJR

Today

86.1%most shared, VTI and SPY

HAPIVTISPYIJR

HAPI—45.8%50.6%0.1%

VTI45.8%—86.1%2.2%

SPY50.6%86.1%—0.0%

IJR0.1%2.2%0.0%—

End-of-day Nov 10, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 4 ETFs

1Y

+21.3%IJR, at 16.3% volatility

HAPIWorst drop−8.1%12.9% vol

SPYWorst drop−8.9%13.8% vol

VTIWorst drop−8.9%13.9% vol

IJRWorst drop−9.7%16.3% vol

End-of-day Nov 10, 2026 · up and left is better

Paid More vs Made More

YTD

IJRVTI

+18.5%Year to date+11.2%

1.2%Yield1.1%

+21.3%Past year+13.2%

0.06%Fee0.03%

3–1IJR wins

End-of-day Nov 10, 2026

+11.2%Year to date+11.0%

1.1%Yield1.0%

$689BAssets$95.3B

2–0VTI wins

End-of-day Nov 10, 2026

+33.8%Year to date+15.1%

2.9%Yield1.5%

$123BAssets$109B

2–0SCHD wins

End-of-day Nov 10, 2026

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HAPI, VTI, SPY and IJR

Head to Head

More Ways to See the Pairs

Cost, Income and Risk

Popular Pairs Near These Four