Compare · 4 funds side by side · dividends reinvested

SPYM, HAPI, VTI and IVV

SPYMSPDR×HAPIHarbor×VTIVanguard×IVViShares×

Story of the four · Growth5Y$10,000 five years agoDividends reinvested · all four on one scale$17,192SPYM · best of the four

02 / 04

SPYM, HAPI, VTI and IVV, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

State Street SPDR Portfolio S&P 500 ETFLow-Cost Core · S&P 5000.02%1.05%+8.8%+9.8%+21.8%+11.4%−8.9%13.6%$182B2.1

iShares Core S&P 500 ETFLow-Cost Core · S&P 5000.03%1.14%+8.7%+9.8%+21.8%+11.4%−8.9%13.6%$853B2.3

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%$484M2.6

Vanguard Morningstar Total Stock Market ETFLow-Cost Core · Total US market0.03%1.09%+8.9%+9.9%+21.7%+10.4%−8.9%13.7%$689B2.8

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

End-of-day Nov 6, 2026 · returns include dividends · since: SPYM 2005 · HAPI 2022 · VTI 2001 · IVV 2000

Head to Head

Swap sides Versus in desk

Head to Head

Harbor Human Capital Factor US Large Cap ETF (HAPI) · $484M[…]

HAPI

VTI

Vanguard Morningstar Total Stock Market ETF · $689B$16,375

$10,000 five years ago, dividends reinvested · they hold 46.0% in common

HAPIMeasureVTI

+8.0%Year to dateJan 1 → Nov 6+8.9%

+9.9%1 yearTotal return+9.9%

+21.7%3 years · per year$10,000 became $18,006 · $18,004+21.7%

[…]5 years · per year$10,000 became […] · $16,375+10.4%

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

0.80%Trailing 12-mo yield$80 · $109 a year on $10k1.09%

−8.1%Worst dropSmaller is better−8.9%

12.7%VolatilityLower is calmer13.7%

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

2–3VTI wins

End-of-day Nov 6, 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

27.4%in top 5

VTI

in top 525.0%

HAPIStockVTI

4.6%NVDA7.1%

6.2%AAPL6.6%

6.2%MSFT5.2%

6.0%AMZN3.3%

4.4%METAnot top 5

not top 5GOOGL2.8%

Held in common46.0%

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

HAPI vs VTI Returns, Every Period

HarborHAPI

+9.9%

past year

VTIVanguard

+9.9%

past year

HAPIVTIFaded: behind in that period

0–1VTI wins

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

Stocks vs Core: HAPI vs IVV

YTD

HarborHAPI

+8.0%

IVViShares

+8.7%

+8.0%Year to date+8.7%

−8.1%Worst drop · 1Y−8.9%

12.7%Volatility · 1Y13.6%

0.8%Yield1.1%

$484MAssets$853B

2–2level

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

Cost, Income and Risk

Fees: SPYM, HAPI, VTI, IVV

Today

0.02%lowest, SPYM

FundExpense ratioFee$10k

SPYM0.02%$2

VTI0.03%$3

IVV0.03%$3

HAPI0.35%$35

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

Yields: SPYM, HAPI, VTI, IVV

1.14%highest, IVV

FundTrailing yieldYield$10k

IVV1.14%$114

VTI1.09%$109

SPYM1.05%$105

HAPI0.80%$80

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

Income After Fees on $10,000

$111most kept, IVV

IVV$114 − $3 = $111

VTI$109 − $3 = $106

SPYM$105 − $2 = $103

HAPI$80 − $35 = $45

KeptFee

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

Overlap: SPYM, HAPI, VTI, IVV

Today

99.9%most shared, SPYM and IVV

SPYMHAPIVTIIVV

SPYM—50.8%85.5%99.9%

HAPI50.8%—46.0%50.8%

VTI85.5%46.0%—85.5%

IVV99.9%50.8%85.5%—

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

SPYMWorst drop−8.9%13.6% vol

IVVWorst drop−8.9%13.6% vol

VTIWorst drop−8.9%13.7% vol

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

Paid More vs Made More

YTD

IVVVTI

+8.7%Year to date+8.9%

1.1%Yield1.1%

+9.8%Past year+9.9%

0.03%Fee0.03%

2–0VTI 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

VTI vs ITOT

YTD

VanguardVTI

+8.9%

ITOTiShares

+8.8%

+8.9%Year to date+8.8%

1.1%Yield1.0%

$689BAssets$93.2B

2–0VTI wins

End-of-day Nov 6, 2026

VOO vs IVV

YTD

VanguardVOO

+8.7%

IVViShares

+8.7%

+8.7%Year to date+8.7%

1.1%Yield1.1%

$1.00TAssets$853B

0–0level

End-of-day Nov 6, 2026