Compare · 4 funds side by side · dividends reinvested

HAPI, VTI, VO and IVV

HAPIHarbor×VTIVanguard×VOVanguard×IVViShares×

Story of the four · Growth5Y$10,000 five years agoDividends reinvested · all four on one scale$17,151IVV · best of the four

02 / 04

HAPI, VTI, VO and IVV, 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

iShares Core S&P 500 ETFLow-Cost Core · S&P 5000.03%1.14%+8.4%+9.7%+22.1%+11.4%−8.9%13.6%$887B2.3

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 · VTI 2001 · VO 2004 · IVV 2000

Head to Head

Swap sides Versus in desk

Head to Head

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

HAPI

VTI

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

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

HAPIMeasureVTI

+8.2%Year to dateJan 1 → Nov 5+8.4%

+10.5%1 yearTotal return+9.9%

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

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

0.35%Expense ratio$35 · $3 a year on $10k · lower is better0.03%

0.80%Trailing 12-mo yield$80 · $110 a year on $10k1.10%

−8.1%Worst dropSmaller is better−8.9%

12.8%VolatilityLower is calmer13.7%

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

4–3HAPI wins

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

More Ways to See the Pairs

HAPI vs VTI: Top 5 Holdings

Today

HAPI

27.4%in top 5

VTI

in top 525.0%

HAPIStockVTI

4.9%NVDA7.1%

6.1%AAPL6.6%

6.2%MSFT5.2%

5.9%AMZN3.3%

4.4%METAnot top 5

not top 5GOOGL2.8%

Held in common46.2%

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

HAPI vs VTI Returns, Every Period

HarborHAPI

+10.5%

past year

VTIVanguard

+9.9%

past year

HAPIVTIFaded: behind in that period

2–1HAPI wins

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

HAPI vs VO

YTD

HarborHAPI

+8.2%

VOVanguard

+10.7%

+8.2%Year to date+10.7%

−8.1%Worst drop · 1Y−8.2%

12.8%Volatility · 1Y12.9%

0.8%Yield1.4%

$503MAssets$103B

2–2level

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

Cost, Income and Risk

Fees: HAPI, VTI, VO, IVV

Today

0.03%lowest, VTI

FundExpense ratioFee$10k

VTI0.03%$3

VO0.03%$3

IVV0.03%$3

HAPI0.35%$35

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

Yields: HAPI, VTI, VO, IVV

1.39%highest, VO

FundTrailing yieldYield$10k

VO1.39%$139

IVV1.14%$114

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

IVV$114 − $3 = $111

VTI$110 − $3 = $107

HAPI$80 − $35 = $45

KeptFee

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

Overlap: HAPI, VTI, VO, IVV

Today

86.5%most shared, VTI and IVV

HAPIVTIVOIVV

HAPI—46.2%13.5%50.6%

VTI46.2%—15.0%86.5%

VO13.5%15.0%—16.0%

IVV50.6%86.5%16.0%—

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

IVVWorst drop−8.9%13.6% 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$805B

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$97.0B

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$887B

0–0level

End-of-day Nov 5, 2026