Compare · 4 funds side by side · dividends reinvested

SPY, HAPI, VUG and QQQ

SPYSPDR×HAPIHarbor×VUGVanguard×QQQInvesco×

Story of the four · Growth5Y$10,000 five years agoDividends reinvested · all four on one scale$18,068QQQ · best of the four

02 / 04

SPY, HAPI, VUG and QQQ, 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%$778B1.8

Harbor Human Capital Factor US Large Cap ETF (HAPI)US Stock Styles · Large cap0.35%0.78%+10.4%+13.5%+21.8%[…]−8.1%12.9%$483M2.4

Invesco QQQ Trust, Series 1Low-Cost Core · Nasdaq-1000.18%0.46%+11.0%+11.6%+23.9%+12.6%−14.8%21.5%$446B2.5

Vanguard Morningstar Growth ETFUS Stock Styles · Growth0.03%0.41%+4.2%+4.7%+22.9%+10.6%−15.1%19.1%$233B3.1

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

End-of-day Nov 9, 2026 · returns include dividends · since: SPY 1993 · HAPI 2022 · VUG 2004 · QQQ 1999

Head to Head

Swap sides Versus in desk

Head to Head

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

HAPI

QQQ

Invesco QQQ Trust, Series 1 · $446B$18,068

$10,000 five years ago, dividends reinvested · they hold 42.0% in common

HAPIMeasureQQQ

+10.4%Year to dateJan 1 → Nov 9+11.0%

+13.5%1 yearTotal return+11.6%

+21.8%3 years · per year$10,000 became $18,077 · $19,011+23.9%

[…]5 years · per year$10,000 became […] · $18,068+12.6%

0.35%Expense ratio$35 · $18 a year on $10k · lower is better0.18%

0.78%Trailing 12-mo yield$78 · $46 a year on $10k0.46%

−8.1%Worst dropSmaller is better−14.8%

12.9%VolatilityLower is calmer21.5%

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

4–3HAPI wins

End-of-day Nov 9, 2026 · returns include dividends · 3Y and 5Y figures are per-year returns

More Ways to See the Pairs

HAPI vs QQQ: Top 5 Holdings

Today

HAPI

27.5%in top 5

QQQ

in top 531.6%

HAPIStockQQQ

6.2%AAPL8.7%

4.7%NVDA7.6%

6.1%MSFT6.9%

6.0%AMZN4.9%

4.4%METAnot top 5

not top 5MU3.5%

Held in common42.0%

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

HAPI vs QQQ Returns, Every Period

HarborHAPI

+13.5%

past year

QQQInvesco

+11.6%

past year

HAPIQQQFaded: behind in that period

1–2QQQ wins

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

Stocks vs Core: HAPI vs SPY

YTD

HarborHAPI

+10.4%

SPYSPDR

+11.2%

+10.4%Year to date+11.2%

−8.1%Worst drop · 1Y−8.9%

12.9%Volatility · 1Y13.7%

0.8%Yield1.0%

$483MAssets$778B

2–2level

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

Cost, Income and Risk

Fees: SPY, HAPI, VUG, QQQ

Today

0.03%lowest, VUG

FundExpense ratioFee$10k

VUG0.03%$3

SPY0.09%$9

QQQ0.18%$18

HAPI0.35%$35

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

Yields: SPY, HAPI, VUG, QQQ

1.01%highest, SPY

FundTrailing yieldYield$10k

SPY1.01%$101

HAPI0.78%$78

QQQ0.46%$46

VUG0.41%$41

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

Income After Fees on $10,000

$92most kept, SPY

SPY$101 − $9 = $92

HAPI$78 − $35 = $43

VUG$41 − $3 = $38

QQQ$46 − $18 = $28

KeptFee

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

Overlap: SPY, HAPI, VUG, QQQ

Today

61.3%most shared, VUG and QQQ

SPYHAPIVUGQQQ

SPY—50.9%54.8%52.1%

HAPI50.9%—43.8%42.0%

VUG54.8%43.8%—61.3%

QQQ52.1%42.0%61.3%—

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

Return vs Bumpiness: 4 ETFs

+13.5%SPY, at 13.7% volatility

HAPIWorst drop−8.1%12.9% vol

SPYWorst drop−8.9%13.7% vol

VUGWorst drop−15.1%19.1% vol

QQQWorst drop−14.8%21.5% vol

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

Paid More vs Made More

YTD

SPYQQQ

+11.2%Year to date+11.0%

1.0%Yield0.5%

+13.5%Past year+11.6%

0.09%Fee0.18%

4–0SPY 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

QQQM vs QQQ

YTD

InvescoQQQM

+10.9%

QQQInvesco

+11.0%

+10.9%Year to date+11.0%

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

$103BAssets$446B

1–1level

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