Compare · 4 funds side by side · dividends reinvested

QQQ, HAPI, SPY and VOO

QQQInvesco×HAPIHarbor×SPYSPDR×VOOVanguard×

Story of the four · Growth5Y$10,000 five years agoDividends reinvested · all four on one scale$17,352QQQ · best of the four

02 / 04

QQQ, HAPI, SPY and VOO, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

Vanguard S&P 500 ETFLow-Cost Core · S&P 5000.03%1.10%+8.4%+9.8%+22.1%+11.4%−8.9%13.5%$1.00T1.8

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%$503M2.3

State Street SPDR S&P 500 ETFLow-Cost Core · S&P 5000.09%1.03%+8.3%+9.7%+22.0%+11.3%−8.9%13.6%$805B2.6

Invesco QQQ Trust, Series 1Low-Cost Core · Nasdaq-1000.18%0.48%+5.7%+5.0%+23.3%+11.7%−14.8%21.3%$465B3.1

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: QQQ 1999 · HAPI 2022 · SPY 1993 · VOO 2010

Head to Head

Swap sides Versus in desk

Head to Head

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

HAPI

SPY

State Street SPDR S&P 500 ETF · $805B$17,099

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

HAPIMeasureSPY

+8.2%Year to dateJan 1 → Nov 5+8.3%

+10.5%1 yearTotal return+9.7%

+22.1%3 years · per year$10,000 became $18,219 · $18,174+22.0%

[…]5 years · per year$10,000 became […] · $17,099+11.3%

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

0.80%Trailing 12-mo yield$80 · $103 a year on $10k1.03%

−8.1%Worst dropSmaller is better−8.9%

12.8%VolatilityLower is calmer13.6%

HAPISPY 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 SPY: Top 5 Holdings

Today

HAPI

27.4%in top 5

SPY

in top 527.7%

HAPIStockSPY

6.1%AAPL7.7%

4.9%NVDA7.3%

6.2%MSFT6.2%

5.9%AMZN3.9%

4.4%METAnot top 5

not top 5GOOGL2.6%

Held in common50.6%

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

HAPI vs SPY Returns, Every Period

HarborHAPI

+10.5%

past year

SPYSPDR

+9.7%

past year

HAPISPYFaded: behind in that period

2–1HAPI wins

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

Stocks vs Core: HAPI vs VOO

YTD

HarborHAPI

+8.2%

VOOVanguard

+8.4%

+8.2%Year to date+8.4%

−8.1%Worst drop · 1Y−8.9%

12.8%Volatility · 1Y13.5%

0.8%Yield1.1%

$503MAssets$1.00T

2–2level

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

Cost, Income and Risk

Fees: QQQ, HAPI, SPY, VOO

Today

0.03%lowest, VOO

FundExpense ratioFee$10k

VOO0.03%$3

SPY0.09%$9

QQQ0.18%$18

HAPI0.35%$35

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

Yields: QQQ, HAPI, SPY, VOO

1.10%highest, VOO

FundTrailing yieldYield$10k

VOO1.10%$110

SPY1.03%$103

HAPI0.80%$80

QQQ0.48%$48

End-of-day Nov 5, 2026 · trailing 12-month yield

Income After Fees on $10,000

$107most kept, VOO

VOO$110 − $3 = $107

SPY$103 − $9 = $94

HAPI$80 − $35 = $45

QQQ$48 − $18 = $30

KeptFee

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

Overlap: QQQ, HAPI, SPY, VOO

Today

93.5%most shared, SPY and VOO

QQQHAPISPYVOO

QQQ—41.6%52.8%55.0%

HAPI41.6%—50.6%49.9%

SPY52.8%50.6%—93.5%

VOO55.0%49.9%93.5%—

End-of-day Nov 5, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 4 ETFs

+10.5%HAPI, at 12.8% volatility

HAPIWorst drop−8.1%12.8% vol

VOOWorst drop−8.9%13.5% vol

SPYWorst drop−8.9%13.6% vol

QQQWorst drop−14.8%21.3% vol

End-of-day Nov 5, 2026 · up and left is better

Paid More vs Made More

YTD

VOOSPY

+8.4%Year to date+8.3%

1.1%Yield1.0%

+9.8%Past year+9.7%

0.03%Fee0.09%

4–0VOO 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

QQQM vs QQQ

YTD

InvescoQQQM

+5.9%

QQQInvesco

+5.7%

+5.9%Year to date+5.7%

0.15% · $15Fee · on $10k a year0.18% · $18

$106BAssets$465B

2–0QQQM wins

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