Compare · 4 funds side by side · dividends reinvested

SPY, HAPI, IWF and VUG

SPYSPDR×HAPIHarbor×IWFiShares×VUGVanguard×

Story of the four · Growth5Y$10,000 five years agoDividends reinvested · all four on one scale$17,118SPY · best of the four

02 / 04

SPY, HAPI, IWF and VUG, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

State Street SPDR S&P 500 ETFLow-Cost Core · S&P 5000.09%1.03%+8.7%+9.7%+21.7%+11.3%−8.9%13.6%$819B1.6

Harbor Human Capital Factor US Large Cap ETF (HAPI)US Stock Styles · Large cap0.35%0.80%+8.0%+9.9%+21.7%[…]−8.1%12.7%$503M2.0

Vanguard Morningstar Growth ETFUS Stock Styles · Growth0.03%0.42%+1.4%+0.2%+22.6%+10.0%−15.1%19.0%$233B2.5

iShares Russell 1000 Growth ETFUS Stock Styles · Growth0.18%0.39%−5.3%−6.5%+19.4%+9.1%−14.6%19.4%$113B3.6

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

End-of-day Nov 6, 2026 · returns include dividends · since: SPY 1993 · HAPI 2022 · IWF 2000 · VUG 2004

Head to Head

Swap sides Versus in desk

Head to Head

Vanguard Morningstar Growth ETF · $233B$16,124

VUG

HAPI

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

$10,000 five years ago, dividends reinvested · they hold 43.6% in common

VUGMeasureHAPI

+1.4%Year to dateJan 1 → Nov 6+8.0%

+0.2%1 yearTotal return+9.9%

+22.6%3 years · per year$10,000 became $18,415 · $18,006+21.7%

+10.0%5 years · per year$10,000 became $16,124 · […][…]

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

0.42%Trailing 12-mo yield$42 · $80 a year on $10k0.80%

−15.1%Worst dropSmaller is better−8.1%

19.0%VolatilityLower is calmer12.7%

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

2–5HAPI wins

End-of-day Nov 6, 2026 · returns include dividends · 3Y and 5Y figures are per-year returns

More Ways to See the Pairs

VUG vs HAPI: Top 5 Holdings

Today

VUG

45.2%in top 5

HAPI

in top 527.4%

VUGStockHAPI

13.5%NVDA4.6%

12.5%AAPL6.2%

9.7%MSFT6.2%

not top 5AMZN6.0%

5.2%GOOGLnot top 5

not top 5META4.4%

4.3%AVGOnot top 5

Held in common43.6%

End-of-day Nov 6, 2026 · share of each fund

VUG vs HAPI Returns, Every Period

VanguardVUG

+0.2%

past year

HAPIHarbor

+9.9%

past year

VUGHAPIFaded: behind in that period

1–2HAPI wins

End-of-day Nov 6, 2026 · dividends in · faded = behind in that period

Stocks vs Core: VUG vs SPY

YTD

VanguardVUG

+1.4%

SPYSPDR

+8.7%

+1.4%Year to date+8.7%

−15.1%Worst drop · 1Y−8.9%

19.0%Volatility · 1Y13.6%

0.4%Yield1.0%

$233BAssets$819B

4–0SPY wins

End-of-day Nov 6, 2026 · smaller drop and lower volatility win

Cost, Income and Risk

Fees: SPY, HAPI, IWF, VUG

Today

0.03%lowest, VUG

FundExpense ratioFee$10k

VUG0.03%$3

SPY0.09%$9

IWF0.18%$18

HAPI0.35%$35

End-of-day Nov 6, 2026 · fee on $10,000 a year

Yields: SPY, HAPI, IWF, VUG

1.03%highest, SPY

FundTrailing yieldYield$10k

SPY1.03%$103

HAPI0.80%$80

VUG0.42%$42

IWF0.39%$39

End-of-day Nov 6, 2026 · trailing 12-month yield

Income After Fees on $10,000

$94most kept, SPY

SPY$103 − $9 = $94

HAPI$80 − $35 = $45

VUG$42 − $3 = $39

IWF$39 − $18 = $21

KeptFee

End-of-day Nov 6, 2026 · yield in dollars minus the fee

Overlap: SPY, HAPI, IWF, VUG

Today

78.0%most shared, IWF and VUG

SPYHAPIIWFVUG

SPY—50.8%55.7%54.8%

HAPI50.8%—44.0%43.6%

IWF55.7%44.0%—78.0%

VUG54.8%43.6%78.0%—

End-of-day Nov 6, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 4 ETFs

+9.9%HAPI, at 12.7% volatility

HAPIWorst drop−8.1%12.7% vol

SPYWorst drop−8.9%13.6% vol

VUGWorst drop−15.1%19.0% vol

IWFWorst drop−14.6%19.4% vol

End-of-day Nov 6, 2026 · up and left is better

Paid More vs Made More

YTD

SPYHAPI

+8.7%Year to date+8.0%

1.0%Yield0.8%

+9.7%Past year+9.9%

0.09%Fee0.35%

3–1SPY wins

End-of-day Nov 6, 2026

Popular Pairs Near These Four

SPYM vs SPY

YTD

SPDRSPYM

+8.8%

SPYSPDR

+8.7%

+8.8%Year to date+8.7%

1.1%Yield1.0%

$182BAssets$819B

2–0SPYM wins

End-of-day Nov 6, 2026

VUG vs SCHG

YTD

VanguardVUG

+1.4%

SCHGSchwab

+1.9%

+1.4%Year to date+1.9%

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

$233BAssets$59.1B

1–1level

End-of-day Nov 6, 2026

SCHD vs VIG

YTD

SchwabSCHD

+31.4%

VIGVanguard

+12.1%

+31.4%Year to date+12.1%

3.0%Yield1.5%

$120BAssets$109B

2–0SCHD wins

End-of-day Nov 6, 2026