Compare · 4 funds side by side · dividends reinvested

VTI, HAPI, SPY and IWF

VTIVanguard×HAPIHarbor×SPYSPDR×IWFiShares×

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

02 / 04

VTI, HAPI, SPY and IWF, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

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

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

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%$118B3.8

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: VTI 2001 · HAPI 2022 · SPY 1993 · IWF 2000

Head to Head

Swap sides Versus in desk

Head to Head

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

HAPI

SPY

State Street SPDR S&P 500 ETF · $778B$17,493

$10,000 five years ago, dividends reinvested · they hold 50.7% in common

HAPIMeasureSPY

+10.6%Year to dateJan 1 → Nov 9+11.2%

+13.6%1 yearTotal return+13.5%

+21.9%3 years · per year$10,000 became $18,105 · $18,118+21.9%

[…]5 years · per year$10,000 became […] · $17,493+11.8%

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

0.78%Trailing 12-mo yield$78 · $101 a year on $10k1.01%

−8.1%Worst dropSmaller is better−8.9%

12.9%VolatilityLower is calmer13.7%

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

3–3Level

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 SPY: Top 5 Holdings

Today

HAPI

27.5%in top 5

SPY

in top 527.8%

HAPIStockSPY

6.2%AAPL7.9%

4.7%NVDA7.1%

6.1%MSFT6.2%

6.0%AMZN4.0%

4.4%METAnot top 5

not top 5GOOGL2.6%

Held in common50.7%

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

HAPI vs SPY Returns, Every Period

HarborHAPI

+13.6%

past year

SPYSPDR

+13.5%

past year

HAPISPYFaded: behind in that period

1–1Level

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

Stocks vs Core: HAPI vs VTI

YTD

HarborHAPI

+10.6%

VTIVanguard

+11.6%

+10.6%Year to date+11.6%

−8.1%Worst drop · 1Y−8.9%

12.9%Volatility · 1Y13.9%

0.8%Yield1.1%

$483MAssets$689B

2–2level

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

Cost, Income and Risk

Fees: VTI, HAPI, SPY, IWF

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: VTI, HAPI, SPY, IWF

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: VTI, HAPI, SPY, IWF

Today

86.0%most shared, VTI and SPY

VTIHAPISPYIWF

VTI—46.1%86.0%55.8%

HAPI46.1%—50.7%44.0%

SPY86.0%50.7%—55.9%

IWF55.8%44.0%55.9%—

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$95.6B

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$61.4B

1–1level

End-of-day Nov 9, 2026