Compare · 4 funds side by side · dividends reinvested

HAPI, VUG, SPY and IWF

HAPIHarbor×VUGVanguard×SPYSPDR×IWFiShares×

Story of the four · Growth5Y$10,000 five years agoDividends reinvested · all four on one scale$18,060SPY · best of the four

02 / 04

HAPI, VUG, SPY and IWF, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

State Street SPDR S&P 500 ETFLow-Cost Core · S&P 5000.09%0.99%+13.3%+13.4%+24.1%+12.6%−8.9%12.9%$805B1.6

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%$503M2.0

Vanguard Morningstar Growth ETFUS Stock Styles · Growth0.03%0.40%+6.3%+3.4%+25.4%+11.4%−16.1%18.2%$233B2.5

iShares Russell 1000 Growth ETFUS Stock Styles · Growth0.18%0.37%−0.1%−3.0%+22.3%+10.6%−15.6%18.3%$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 4, 2026 · returns include dividends · since: HAPI 2022 · VUG 2004 · SPY 1993 · IWF 2000

Head to Head

Swap sides Versus in desk

Head to Head

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

HAPI

VUG

Vanguard Morningstar Growth ETF · $233B$17,153

$10,000 five years ago, dividends reinvested · they hold 43.7% in common

HAPIMeasureVUG

+12.3%Year to dateJan 1 → Nov 4+6.3%

+13.6%1 yearTotal return+3.4%

+23.9%3 years · per year$10,000 became $19,002 · $19,712+25.4%

[…]5 years · per year$10,000 became […] · $17,153+11.4%

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

0.77%Trailing 12-mo yield$77 · $40 a year on $10k0.40%

−8.1%Worst dropSmaller is better−16.1%

12.2%VolatilityLower is calmer18.2%

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

5–2HAPI wins

End-of-day Nov 4, 2026 · returns include dividends · 3Y and 5Y figures are per-year returns

More Ways to See the Pairs

HAPI vs VUG: Top 5 Holdings

Today

HAPI

27.0%in top 5

VUG

in top 545.2%

HAPIStockVUG

5.1%NVDA13.5%

5.9%AAPL12.5%

5.9%MSFT9.7%

5.7%AMZNnot top 5

not top 5GOOGL5.2%

4.4%METAnot top 5

not top 5AVGO4.3%

Held in common43.7%

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

HAPI vs VUG Returns, Every Period

HarborHAPI

+13.6%

past year

VUGVanguard

+3.4%

past year

HAPIVUGFaded: behind in that period

2–1HAPI wins

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

Stocks vs Core: HAPI vs SPY

YTD

HarborHAPI

+12.3%

SPYSPDR

+13.3%

+12.3%Year to date+13.3%

−8.1%Worst drop · 1Y−8.9%

12.2%Volatility · 1Y12.9%

0.8%Yield1.0%

$503MAssets$805B

2–2level

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

Cost, Income and Risk

Fees: HAPI, VUG, SPY, IWF

Today

0.03%lowest, VUG

FundExpense ratioFee$10k

VUG0.03%$3

SPY0.09%$9

IWF0.18%$18

HAPI0.35%$35

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

Yields: HAPI, VUG, SPY, IWF

0.99%highest, SPY

FundTrailing yieldYield$10k

SPY0.99%$99

HAPI0.77%$77

VUG0.40%$40

IWF0.37%$37

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

Income After Fees on $10,000

$90most kept, SPY

SPY$99 − $9 = $90

HAPI$77 − $35 = $42

VUG$40 − $3 = $37

IWF$37 − $18 = $19

KeptFee

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

Overlap: HAPI, VUG, SPY, IWF

Today

77.4%most shared, VUG and IWF

HAPIVUGSPYIWF

HAPI—43.7%50.2%43.6%

VUG43.7%—55.4%77.4%

SPY50.2%55.4%—56.5%

IWF43.6%77.4%56.5%—

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

Return vs Bumpiness: 4 ETFs

+13.6%HAPI, at 12.2% volatility

HAPIWorst drop−8.1%12.2% vol

SPYWorst drop−8.9%12.9% vol

VUGWorst drop−16.1%18.2% vol

IWFWorst drop−15.6%18.3% vol

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

Paid More vs Made More

YTD

SPYHAPI

+13.3%Year to date+12.3%

1.0%Yield0.8%

+13.4%Past year+13.6%

0.09%Fee0.35%

3–1SPY wins

End-of-day Nov 4, 2026

Popular Pairs Near These Four

SPYM vs SPY

YTD

SPDRSPYM

+13.4%

SPYSPDR

+13.3%

+13.4%Year to date+13.3%

1.0%Yield1.0%

$182BAssets$805B

1–0SPYM wins

End-of-day Nov 4, 2026

VUG vs SCHG

YTD

VanguardVUG

+6.3%

SCHGSchwab

+6.8%

+6.3%Year to date+6.8%

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

$233BAssets$62.5B

1–1level

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%

$123BAssets$109B

2–0SCHD wins

End-of-day Nov 4, 2026