Compare · 2 funds side by side · dividends reinvested

HAPI and VTI

Story of the two · Growth5Y$10,000 five years agoDividends reinvested · both on one scale$17,257VTI · best of the two

02 / 04

HAPI and VTI, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

Vanguard Morningstar Total Stock Market ETFLow-Cost Core · Total US market0.03%1.05%+13.4%+13.5%+24.0%+11.5%−8.9%13.1%$689B1.4

Harbor Human Capital Factor US Large Cap ETF (HAPI)US Stock Styles · Large cap0.35%0.77%+12.3%+13.6%+23.9%[…]−8.1%12.2%$491M1.6

Rank among the two1st → 2ndFee, drop and volatility: lower ranks higherAvg rank: mean of the 8 ranks · 1 is best

End-of-day Nov 4, 2026 · returns include dividends · since: HAPI 2022 · VTI 2001

Head to Head

Swap sides Versus in desk

Head to Head

Vanguard Morningstar Total Stock Market ETF · $689B$17,257

VTI

HAPI

Harbor Human Capital Factor US Large Cap ETF (HAPI) · $491M[…]

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

VTIMeasureHAPI

+13.4%Year to dateJan 1 → Nov 4+12.3%

+13.5%1 yearTotal return+13.6%

+24.0%3 years · per year$10,000 became $19,059 · $19,002+23.9%

+11.5%5 years · per year$10,000 became $17,257 · […][…]

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

1.05%Trailing 12-mo yield$105 · $77 a year on $10k0.77%

−8.9%Worst dropSmaller is better−8.1%

13.1%VolatilityLower is calmer12.2%

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

4–3VTI wins

End-of-day Nov 4, 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 527.0%

VTIStockHAPI

7.1%NVDA5.1%

6.6%AAPL5.9%

5.2%MSFT5.9%

3.3%AMZN5.7%

not top 5META4.4%

2.8%GOOGLnot top 5

Held in common46.2%

End-of-day Nov 4, 2026 · share of each fund

VTI vs HAPI Returns, Every Period

VanguardVTI

+13.5%

past year

HAPIHarbor

+13.6%

past year

VTIHAPIFaded: behind in that period

2–1VTI wins

End-of-day Nov 4, 2026 · dividends in · faded = behind in that period

Core vs Stocks: VTI vs HAPI

YTD

VanguardVTI

+13.4%

HAPIHarbor

+12.3%

+13.4%Year to date+12.3%

−8.9%Worst drop · 1Y−8.1%

13.1%Volatility · 1Y12.2%

1.0%Yield0.8%

$689BAssets$491M

2–2level

End-of-day Nov 4, 2026 · smaller drop and lower volatility win

Cost, Income and Risk

Fees: HAPI, VTI

Today

0.03%lowest, VTI

FundExpense ratioFee$10k

VTI0.03%$3

HAPI0.35%$35

End-of-day Nov 4, 2026 · fee on $10,000 a year

Yields: HAPI, VTI

1.05%highest, VTI

FundTrailing yieldYield$10k

VTI1.05%$105

HAPI0.77%$77

End-of-day Nov 4, 2026 · trailing 12-month yield

Income After Fees on $10,000

$102most kept, VTI

VTI$105 − $3 = $102

HAPI$77 − $35 = $42

KeptFee

End-of-day Nov 4, 2026 · yield in dollars minus the fee

Overlap: HAPI, VTI

Today

46.2%most shared, HAPI and VTI

HAPIVTI

HAPI—46.2%

VTI46.2%—

End-of-day Nov 4, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 2 ETFs

+13.6%HAPI, at 12.2% volatility

HAPIWorst drop−8.1%12.2% vol

VTIWorst drop−8.9%13.1% vol

End-of-day Nov 4, 2026 · up and left is better

Paid More vs Made More

YTD

VTIHAPI

+13.4%Year to date+12.3%

1.0%Yield0.8%

+13.5%Past year+13.6%

0.03%Fee0.35%

3–1VTI wins

End-of-day Nov 4, 2026

Popular Pairs Near These Two

VTI vs ITOT

YTD

VanguardVTI

+13.4%

ITOTiShares

+13.3%

+13.4%Year to date+13.3%

1.0%Yield1.0%

$689BAssets$95.4B

1–0VTI wins

End-of-day Nov 4, 2026

SCHD vs VIG

YTD

SchwabSCHD

+35.3%

VIGVanguard

+16.4%

+35.3%Year to date+16.4%

2.9%Yield1.4%

$121BAssets$109B

2–0SCHD wins

End-of-day Nov 4, 2026

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+8.5%

JEPIJ.P. Morgan

+8.8%

+8.5%Year to date+8.8%

12.2%Yield7.8%

$41.8BAssets$46.0B

1–1level

End-of-day Nov 4, 2026