Compare · 4 funds side by side · dividends reinvested

SPY, HAPI, IWF and VTI

SPYSPDR×HAPIHarbor×IWFiShares×VTIVanguard×

Story of the four · Growth5Y$10,000 five years agoDividends reinvested · all four on one scale$17,493SPY · best of the four

02 / 04

SPY, HAPI, IWF and VTI, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

State Street SPDR S&P 500 ETFLow-Cost Core · S&P 5000.09%1.01%+11.2%+13.5%+21.9%+11.8%−8.9%13.7%$778B1.9

Vanguard Morningstar Total Stock Market ETFLow-Cost Core · Total US market0.03%1.06%+11.6%+13.9%+21.8%+10.8%−8.9%13.9%$689B1.9

Harbor Human Capital Factor US Large Cap ETF (HAPI)US Stock Styles · Large cap0.35%0.78%+10.6%+13.6%+21.9%[…]−8.1%12.9%$483M2.3

iShares Russell 1000 Growth ETFUS Stock Styles · Growth0.18%0.38%−2.5%−2.2%+19.8%+9.7%−14.6%19.5%$115B3.8

Rank among the four1st → 4thFee, drop and volatility: lower ranks higherAvg rank: mean of the 8 ranks · 1 is best

End-of-day Nov 9, 2026 · returns include dividends · since: SPY 1993 · HAPI 2022 · IWF 2000 · VTI 2001

Head to Head

Swap sides Versus in desk

Head to Head

Vanguard Morningstar Total Stock Market ETF · $689B$16,697

VTI

HAPI

Harbor Human Capital Factor US Large Cap ETF (HAPI) · $483M[…]

$10,000 five years ago, dividends reinvested · they hold 46.1% in common

VTIMeasureHAPI

+11.6%Year to dateJan 1 → Nov 9+10.6%

+13.9%1 yearTotal return+13.6%

+21.8%3 years · per year$10,000 became $18,090 · $18,105+21.9%

+10.8%5 years · per year$10,000 became $16,697 · […][…]

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

1.06%Trailing 12-mo yield$106 · $78 a year on $10k0.78%

−8.9%Worst dropSmaller is better−8.1%

13.9%VolatilityLower is calmer12.9%

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

4–3VTI wins

End-of-day Nov 9, 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 527.5%

VTIStockHAPI

7.1%NVDA4.7%

6.6%AAPL6.2%

5.2%MSFT6.1%

3.3%AMZN6.0%

not top 5META4.4%

2.8%GOOGLnot top 5

Held in common46.1%

End-of-day Nov 9, 2026 · share of each fund

VTI vs HAPI Returns, Every Period

VanguardVTI

+13.9%

past year

HAPIHarbor

+13.6%

past year

VTIHAPIFaded: behind in that period

2–1VTI wins

End-of-day Nov 9, 2026 · dividends in · faded = behind in that period

VTI vs SPY

YTD

VanguardVTI

+11.6%

SPYSPDR

+11.2%

+11.6%Year to date+11.2%

−8.9%Worst drop · 1Y−8.9%

13.9%Volatility · 1Y13.7%

1.1%Yield1.0%

$689BAssets$778B

2–1VTI wins

End-of-day Nov 9, 2026 · smaller drop and lower volatility win

Cost, Income and Risk

Fees: SPY, HAPI, IWF, VTI

Today

0.03%lowest, VTI

FundExpense ratioFee$10k

VTI0.03%$3

SPY0.09%$9

IWF0.18%$18

HAPI0.35%$35

End-of-day Nov 9, 2026 · fee on $10,000 a year

Yields: SPY, HAPI, IWF, VTI

1.06%highest, VTI

FundTrailing yieldYield$10k

VTI1.06%$106

SPY1.01%$101

HAPI0.78%$78

IWF0.38%$38

End-of-day Nov 9, 2026 · trailing 12-month yield

Income After Fees on $10,000

$103most kept, VTI

VTI$106 − $3 = $103

SPY$101 − $9 = $92

HAPI$78 − $35 = $43

IWF$38 − $18 = $20

KeptFee

End-of-day Nov 9, 2026 · yield in dollars minus the fee

Overlap: SPY, HAPI, IWF, VTI

Today

86.0%most shared, SPY and VTI

SPYHAPIIWFVTI

SPY—50.7%55.9%86.0%

HAPI50.7%—44.0%46.1%

IWF55.9%44.0%—55.8%

VTI86.0%46.1%55.8%—

End-of-day Nov 9, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 4 ETFs

+13.9%VTI, at 13.9% volatility

HAPIWorst drop−8.1%12.9% vol

SPYWorst drop−8.9%13.7% vol

VTIWorst drop−8.9%13.9% vol

IWFWorst drop−14.6%19.5% vol

End-of-day Nov 9, 2026 · up and left is better

Paid More vs Made More

YTD

VTISPY

+11.6%Year to date+11.2%

1.1%Yield1.0%

+13.9%Past year+13.5%

0.03%Fee0.09%

4–0VTI wins

End-of-day Nov 9, 2026

Popular Pairs Near These Four

SPYM vs SPY

YTD

SPDRSPYM

+11.3%

SPYSPDR

+11.2%

+11.3%Year to date+11.2%

1.0%Yield1.0%

$179BAssets$778B

1–0SPYM wins

End-of-day Nov 9, 2026

VTI vs ITOT

YTD

VanguardVTI

+11.6%

ITOTiShares

+11.5%

+11.6%Year to date+11.5%

1.1%Yield1.0%

$689BAssets$93.2B

2–0VTI wins

End-of-day Nov 9, 2026

VUG vs SCHG

YTD

VanguardVUG

+4.2%

SCHGSchwab

+4.8%

+4.2%Year to date+4.8%

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

$233BAssets$59.7B

1–1level

End-of-day Nov 9, 2026