Compare · 3 funds side by side · dividends reinvested

HAPI, VUG and VTI

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

02 / 04

HAPI, VUG 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%$689B1.5

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%$503M1.9

Vanguard Morningstar Growth ETFUS Stock Styles · Growth0.03%0.40%+6.3%+3.4%+25.4%+11.4%−16.1%18.2%$233B2.4

Rank among the three1st → 3rdFee, 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 · VTI 2001

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$17,257

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

HAPIMeasureVTI

+12.3%Year to dateJan 1 → Nov 4+13.4%

+13.6%1 yearTotal return+13.5%

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

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

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

0.77%Trailing 12-mo yield$77 · $105 a year on $10k1.05%

−8.1%Worst dropSmaller is better−8.9%

12.2%VolatilityLower is calmer13.1%

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

3–4VTI 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 VTI: Top 5 Holdings

Today

HAPI

27.0%in top 5

VTI

in top 525.0%

HAPIStockVTI

5.1%NVDA7.1%

5.9%AAPL6.6%

5.9%MSFT5.2%

5.7%AMZN3.3%

4.4%METAnot top 5

not top 5GOOGL2.8%

Held in common46.2%

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

HAPI vs VTI Returns, Every Period

HarborHAPI

+13.6%

past year

VTIVanguard

+13.5%

past year

HAPIVTIFaded: behind in that period

1–2VTI wins

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

Stocks vs Core: HAPI vs VTI

YTD

HarborHAPI

+12.3%

VTIVanguard

+13.4%

+12.3%Year to date+13.4%

−8.1%Worst drop · 1Y−8.9%

12.2%Volatility · 1Y13.1%

0.8%Yield1.0%

$503MAssets$689B

2–2level

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

Cost, Income and Risk

Fees: HAPI, VUG, VTI

Today

0.03%lowest, VUG

FundExpense ratioFee$10k

VUG0.03%$3

VTI0.03%$3

HAPI0.35%$35

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

Yields: HAPI, VUG, VTI

1.05%highest, VTI

FundTrailing yieldYield$10k

VTI1.05%$105

HAPI0.77%$77

VUG0.40%$40

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

VUG$40 − $3 = $37

KeptFee

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

Overlap: HAPI, VUG, VTI

Today

52.8%most shared, VUG and VTI

HAPIVUGVTI

HAPI—43.7%46.2%

VUG43.7%—52.8%

VTI46.2%52.8%—

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

Return vs Bumpiness: 3 ETFs

+13.6%HAPI, at 12.2% volatility

HAPIWorst drop−8.1%12.2% vol

VTIWorst drop−8.9%13.1% vol

VUGWorst drop−16.1%18.2% 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 Three

VTI vs ITOT

YTD

VanguardVTI

+13.4%

ITOTiShares

+13.3%

+13.4%Year to date+13.3%

1.0%Yield1.0%

$689BAssets$97.0B

1–0VTI 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